Search results

Hi @GSheehy , in the Cornmarket screenshot in the first post here, it says "Cornmarket is paid initial and renewal commission out of the opposite referenced charges for the ongoing administration and marketing of your AVC Scheme. They are not additional charges." Do you mean there might be other...

Does this help: https://www.revenue.ie/en/contact-us/customer-service-contact/public-offices.aspx Or maybe Social Welfare public offices or maybe libraries?

Not T&C's. It'll be 3.03% AER (before DIRT) alright but then you'll either pay 33% DIRT to Revenue (if you're a standard rate taxpayer) or 40% DIRT (if you're a higher rate taxpayer). So, if you're standard rate, it's the same DIRT as EU-based banks.

@Lightning Is it worth noting the lower rate/different DIRT treatment (for higher rate taxpayers) in Best Buys, so that the rates quoted are equivalent? (unless someone corrects my reasoning)

Good catch! I thought it might make some difference them being non-EU but I hadn't thought of checking the DIRT rules. This means that (for a higher rate taxpayer) the pre-DIRT interest rate given (3.03%) is actually equivalent to an EU bank offering a pre-DIRT rate of 2.71%

Sounds good alright. I've two concerns (probably my lack of understanding), since this is a Norway-based bank: 1. Is there a currency risk, or does the fact that it's in Euros mean it's ok? 2. Is there a higher risk to deposits, given that Norway are not in the Eurozone, or even the EU?

Thanks @Freelance - great work! @Dr Strangelove - you are incorrect to trust public wi-fi - it's very high risk for anything important like payments, and Freelance's comment is correct. See here for example: https://www.aura .com/learn/dangers-of-public-wi-fi

@Tomo1998 My tuppence worth... I imagine you're really frustrated - it's no fun applying for jobs and being turned down, and the debt must be a strain. You're doing the right thing looking for advice about your two issues of unemployment and debt. You'll figure this out but you need to keep...

You say "investment trusts" but Berkshire's not an IT

As far as I remember, I had to sign it with pen and physically post it, so I don't *think* you can do it digitally

You can open it freely on another device or browser, or in incognito mode. Like I say, it's not paywalled.

Wrong again - it's not paywalled.

You're right - don't bother reading the article - just read the headline and write the first thing that comes to mind.

You're making the mistake of thinking that the plural of anecdote is data.

Maybe you think the article is just about drink-driving. It's related to enforcement generally. From the article "To the end of last week, 144 people had been killed on the roads, 30 more than the same period last year". That's not a problem that's eradicated.

I've taken a quick look and don't see anything in the domestic banks that's better than this rate for a fixed term of less than a year. Would you mind telling which products you think are comparable, or are they all a year or more?

We really need to increase enforcement: https://www.irishtimes.com/crime-law/2023/10/16/drink-driving-checks-by-garda-have-halved-since-pre-pandemic-levels/ I hope the Garda recruitment measures mentioned in the budget make some kind of difference but we should also be tackling this issue as...

Or (very likely in my experience) because of other vehicles (but without a collision with them). I've lost count of the number of times cars/vans/etc. pull in front of me without looking while I'm cycling (cut me off while turning/drive in cycle lane suddenly/etc.), which could easily cause...

Ok but the original post here mentions an even worse experience with Advanzia, and similar with Bunq. I think the comments are valid but don't just apply to Raisin, which is why I suggested a slight change to the title.

I think your post is fair Freelance. The only thing is - maybe the title could be improved a bit for clarity? Something like "Raisin/Bunq/Advanzia/etc. have useless customer service when things go wrong" (and I know you didn't create the thread/key post so don't know if you can/want to change...