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Exactly my first thought too Paddy. It would be interesting to see what value of a claim is worth putting through when you consider the excess + recurring increased premiums for future renewals (can't blame the companies though, they need to make a living too...)

I've used currencyfair for currency conversion xfers (but not from Asia) and found them to be reliable and much better value than the banks. I once had to Xfer a big sum, and was really worried about using something other than a bank. I broke it up into several smaller transactions over several...

Hi pineapple, I think you should always bid low to start out. However you have to be realistic, especially if the house is in for example an estate and you can see that the same size house went for twice your offer a few months ago on the ppr. A lot depends on your personal circumstances, if...

Hi Commoncommoner, I'm guessing when you say partner you aren't married as I don't think you could get a mortgage separate to them anyway if you are married? If you had a good relationship with your sibling maybe between the three of you (or two if excl partner), you could come to some sort...

Trying to educate myself on pensions a little bit for myself, spouse and wider family. That is a handy little rule of thumb, thanks Kevin.

Hi guys, A little bit random but I've been reading askaboutmoney for many years now and have found it to be an invaluable resource. Checking the site fairly regularly has really made me much more financially savvy over the years and I just wanted to say thanks to Brendan Burgess and all the...

Sometimes I find this country very hard to understand. I often think that there is just something lacking in modern Irish people/and or Western Europeans in general. Cases like this (+ the forever war in Clontarf) or the Margaret Cash fiasco, although from different ends of the social spectrum...

Buying a house is a big deal, anything out of the ordinary would make me a little wary.

Thanks very much Early Riser, that really clear things up for me.

Thanks Early Riser, that is good to know. Does this look correct: Say I earn 72K ASC: 0-32K = 0% = €0 32k-60k = 10% = €2800 60k-72k = 10.5% = €1260 Total ASC = €4060. So as a % of total income €4060/€72000 = 5.6% for ASC Also protocol mentioned that public sector pay regular cont of 6.5%...

Thanks Protocol, I think it might be much more complicated than I initally assumed.

Hi guys, Maybe this a stupid question but I've recently been offered a job in the PS and am a little confused. I currently have a private pension and in conjunction with my employer contribute 20% per anum (the max tax free for my age). My new job will be pensionable (I've never worked in the...

Thanks for the advice guys, so I guess the general feedback is that the pensions authority err on the side of caution which is understandable. The fund is I believe 100% in equities given the long time to drawdown. Retirement is expensive to fund and feels very remote, I suppose our own...

Hi guys, Posting this query for my spouse. They have recently started a new job and are 30 years old earning €75k. They and their employer are making pension contributions totalling 20% (€15k per anum). If they keep this up for the next 38 years according to the pensions authority...

From an Irish states perspective the answer would be all Irish citizens. Personally I and most people know exactly who our own are without the need to reference a bit of paper. Can't post a link because of my post count but google...

We naturally favour our own (rightfully so). Both groups are illegal and should be deported. Dogooders and fools stopping this will become a costly liability to the state when the population of Africa goes from 1 to 4 billion in this century.

This thread goes to show how important the 2004 referendum was and the danger of fools trying to weaken/remove it.

The government, all major political parties, the media, the universities, the church, big business, and by their votes the Irish public all support this system. We deserve everything we get.

I was thinking the same myself, the budget was a disgrace. FG: pro dole, pro "homeless", pro "single mother", pro borrowing to fund foreign aid, pro mass immigration, pro every trendy liberal bs cause going. All from a supposedly right-wing party, next time I might as well vote for Labour –...

Thanks very much.