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  1. L

    What to do with spare cash every month (pension vs savings vs investments)

    Age: 31 Spouse’s/Partner's age: 31 Annual gross income from employment or profession: 82000 Annual gross income of spouse: 70000 Monthly take-home pay: around 4400 (minus 6% pension) Type of employment: full-time private sector In general are you: (a) spending more than you earn, or (b)...
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    How do you decide which exchange to buy from?

    I had a dig around their website and found it under the 'other fees' section! You're right, it's €2.50 per exchange per year (outside of your home exchange i.e. ISE Frankfurt is definitely expensive at €7.50 per trade while NYSE is only €0.50. I'm used to being charged $7.99 per trade in Canada...
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    How do you decide which exchange to buy from?

    Thanks for your reply! I was about to just buy $V on the NYSE because that's where I held it before, but when I saw the option to buy on Frankfurt in Euros, it made me wonder what the advantages/disadvantages were. Thanks for the tip about DeGiro and the fee for open positions...I didn't...
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    How do you decide which exchange to buy from?

    Thanks for your reply. I probably wasn't clear in my post, but I'm now resident and domiciled in Ireland. I've closed off my tax obligations to Canada by selling everything in the 2018 tax year, but would like to buy those same stocks again over here. I used Visa as an example as I now have the...
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    How do you decide which exchange to buy from?

    Hi guys, I've recently moved back to Ireland from Canada and suddenly finding that I need to get up to speed with investment rules/regulations and figure out the most financially efficient way of doing things! I'm hoping the question is straightforward :) I'm sold off my portfolio in Canada...
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    New RTE programme "How to be Good with Money"

    I often have the same thought!! I always wonder how others on similar salaries manage to afford new fancy cars, amazing travel, lavish dinners etc but I suppose the show last night highlights are people might be just piling up debt to afford these lifestyles!
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    Dip into emergency fund to clear credit card?

    That's fair enough and a good point. Personally I'd feel really uncomfortable not having an emergency fund (especially with two young kids). I'd completely understand the logic if that was their only credit card debt and it was holding them back, but they still have so much other debt to pay...
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    Dip into emergency fund to clear credit card?

    I enjoyed the show but found some of the advice a bit strange such as dipping into their emergency fund to pay off credit card debt. Also wouldn't necessarily agree with the 'snowball' method for paying off their debts, but I presume that was just to change their behaviour rather than the option...
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