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  1. M

    Stay the Course or Adjust?

    Sounds like you will have to sell existing home because I think you can only borrow 3.5 times salary Say 80k salary borrow 280k Say 180k equity after sell ppr Gives 460k Close enough to the 500k you mentioned. And continue maxing your pension contributions
  2. M

    My experience with installing SEAI grant aided solar PV

    Did you use reputable company? Activ8?
  3. M

    My experience with installing SEAI grant aided solar PV

    Couple questions Your 4.8kw how many square metres? Did you cover entire roof? And, battery, is that often fully charged? ie any wasted electricity?
  4. M

    Invest in a more expensive house

    I think the idea makes perfect sense The only negative I can see is if you do need the money, it might not be ideal having to move house/neighborhood in your retirement
  5. M

    Longest Bull Market in History

    When the idea of bonds was suggested, was that in relation to US corporate bonds? Because with European rates so low it's hard to see any point in investing in European bonds
  6. M

    Ulster €3000 offered after redress appeal

    What was the original refund?
  7. M

    Stay at home parent - pension options/questions

    I don't think there is tax relief if you're not working So it makes more sense to wait until your back in the workforce before resuming contributions
  8. M

    AIB Redress/Compensation Appeal

    I think the back should take responsibility for the sale. If you kept the property what would the future value of the tracker be?
  9. M

    Could the designation of an area as an RPZ be extended beyond three years?

    Extended! https://www.breakingnews.ie/ireland/rent-pressure-zones-to-be-extended-until-2021-to-contain-rising-rents-915056.html
  10. M

    Max pension or overpay mortgage

    If you change career aged 55 will you be able to access your pension? Maybe you can withdraw avc? Or maybe you plan to take your pension at that time and continue working? If not then maybe continue savings. 15 years to go, so enough time to invest in stocks
  11. M

    Paying into a pension for 16 years. Think I need advice

    One year return 7.92% seems okay I suppose what about previous 15 years because series b like recent fund Launched September 2016
  12. M

    Paying into a pension for 16 years. Think I need advice

    When you say How are the funds invested?
  13. M

    Is this enough to retire on?

    But properties will be more expensive in 20 years
  14. M

    Can't see the wood from the trees... please help

    The investments look nicely balanced because they are paying for themselves You're getting 48k per annum income Outgoings 30k when second property paid off Not sure what your tax bill is You have 15k in interest to reduce your tax bill Add repairs, management fees, insurance. All helps to...
  15. M

    Can't see the wood from the trees... please help

    By keeping the properties you are more inflation protected. You're well on the way to paying them down. And if you're retired it's something to do? And your PPR can be paid off by using the holiday home
  16. M

    Cost of fitting a kitchen

    https://www.ikea.com/ie/en/customer-service/services-at-ikea/installation-service/
  17. M

    Assessment of Financial Goals with €2m property and 955k Debt

    Is there an optimum debt that creates tax deduction? It's a question I ask myself Perhaps in retirement when income low the debt can be cleared
  18. M

    Assessment of Financial Goals with €2m property and 955k Debt

    Do you have a good accountant? 20k tax seems about right amount. If you pay down the capital the tax could rise and how would you feel giving the taxman more 20k each year?
  19. M

    Assessment of Financial Goals with €2m property and 955k Debt

    Rental income: 125k Interest: 43k Question: how much time do you allocate weekly or monthly to managing this portfolio? And when you said you only increase rent when tenants move.... Is that policy to keep them happy?
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