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Above someone said you would give up 30k rent. Have you done the numbers on how much selling and buying would cost you? (Finding one that was not rented). I suppose CGT and stress might make this not a runner.

I think there were suggesting low leverage! Invest €300k cash in two 300k properties and get a loan of 300k at 5 percent. Get 33k gross I.e. (600*8%) - (300*5%). Versus Invest €300k cash in one 300k property with 8 percent yield, get 24k gross.

I think a money makeover post would be a good idea. To give an overview of your total financial position. You are talking about 10 to 20 years investment timelines. I think vast vast majority of your wealth should be in equity over that period of time. You have 120k cash and you are adding 2k...

That makes perfect sense. I think your maths is good. You first post is not crystal clear that you inflated 25k from today to the future retirement years. It can be read as you start at 25k in retirement and then inflate.

They demonstrate a litany of known corporate fraud cases Whether they are pension providers is irrelevant. The point is, corporate fraud is possible, and while significant cases are very rare, it's still a risk.

I'm not a domain expert here, but take a look at https://en.m.wikipedia.org/wiki/List_of_corporate_collapses_and_scandals

Beware if buying US shares, there is a punitive estate tax.

Anything is possible. There are past examples of this. A couple of people inside the company could take fraudulent/illegal actions. We would not know until after the fact. There should be checks and balances, and systems to make it impossible. But insiders can probably workaround them too. I...

My teaser rate runs out soon. I emailed a few weeks ago asking about an extension, and eventually got a reply confirming there is no extension. it will revert to the standard rate, (1.61% I think). I never got an email that others mentioned saying it would be extended. So I'm withdrawing my...

Trade Republic: https://traderepublic.com/en-ie/referral?code=vbgpkjxr

Raisin https://www.raisin.ie/referral/?raf=e4a247645b020666fe8c9192cace63bf421cb738&utm_source=transactional&utm_campaign=mandrill_customer-referral

I wonder is it sales? The natural life cycle along with buoyant prices? Or is it' deliberate non payers' on low trackers who saw not paying as a cheap loan? Or Irish salary increases?

Don't take that bet ! If you are paying up front for that bet, given opportunity cost, even if you: win' the bet, you will have lost, as you will not have not maximised your value! I.e. the other party will pay you from their interest!

My conclusion from that thread: the financial return is the same, but the series of cashflows are different. edit: And unless you are investing the increased cashflow and making more (after tax) from it, than your mortgage rate, you would be better to reduce term!

Have a read of this old post on the topic https://www.askaboutmoney.com/threads/what-return-and-cashflow-improvement-do-i-get-from-pre-paying-10k-on-2-3-20-year-mortgage.210827/

The older I get the more reliase that every life is hard. I'm sorry to read about your stress and declining mental health. I hope you find a solution. I would also advocate for getting regular exercise, using the headspace app to build a 10m per day meditation habbit , therapy and a good sleep...

I think taxation regime is the only reason that would support deferring a change. I think we need need more details on investment tax regime and historic performance before deciding. E.g. if exit tax based and if the fund had tripled in value. The additional return, from the money that would...

I think the are a few major elements here A) active vs passive (I assume summit is active and discount broker is passive). Historically, Statistically, passive is expected to outperform active. B) fees. Everything else equal, lower fees our better. C) taxation regime effect. How long before...

Last month I was nearly denied boarding by ryanair. I didn't pay extra for an assigned seat. The explanation was a last minute swap to a smaller plane due to an issue with original plane meant not all passengers with a ticket could fly. As it turned out enough passengers did not turn up so...

from a Smart Meter Plan to a nightsaver meter plan.