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  1. J

    DC Pension - Question re Switching Funds

    I am not a financial adviser, but if it was me, I'd transfer everything into the 100% equities fund. You are still a long way off retirement.
  2. J

    I think I am tired of being "Green".

    Certainly important, but only half the story. At least as important is the ability to export power when the wind is blowing. Wind power generation is regularly curtailed in Ireland due to the available wind power exceeding the ability of the grid to absorb it (demand less a minimum level of...
  3. J

    Census 2022

    Certainly slow, but it might be just because there are probably a lot of users today. I went on to have a look too. I got some interesting info, certainly more than who I share a birthday with. At the lowest level, the areas are very fine grained. The smallest one that I'm included in has only...
  4. J

    Guidance for youngish, average family planning for future..

    There is no point in keeping that much money on deposit when you have a mortgage. Pay down your mortgage with most of your savings. At the moment, you are effectively borrowing money to put in "non-performing savings accounts"
  5. J

    E&Y: Free public transport would reduce car travel by only 1%

    Cars are not the primary source of transport, at least in Dublin city centre. cite: https://www.nationaltransport.ie/wp-content/uploads/2020/12/Canal-Cordon-Report-2019-V3.pdf More people travel by bus alone than by private car during morning rush hour (7-10 am).
  6. J

    Which tax credit to claim when moving from company director to PAYE

    Thank you again AAAContributer. I'm still struggling with this Are the preliminary tax payment and form 11 in fact separate? You file your form 11 for 2021 and separately to that, you make a preliminary tax payment for 2022. And they don't provide a calculator for this? I was hoping there would...
  7. J

    Which tax credit to claim when moving from company director to PAYE

    Thanks AAAContrubutor, good to know about tax credit. On preliminary tax, I had read that info before. My instinct would be to pay tax now rather than waiting for next year. We know roughly what her income will be for the year, so how do we figure out what to pay? Is it just income tax? What...
  8. J

    Which tax credit to claim when moving from company director to PAYE

    Hi, In Summer 2021, I wound up my limited company and took a PAYE job (I had previously been contracting) I need to submit my form 11 for 2021, and I'm not sure which tax credit I should claim for 2021. I had been claiming Earned Income tax credit prior to this, but as I was both a company...
  9. J

    Installing a stove - looking for recommendations

    The air quality in my area (Dublin 6) is terrible on calm winter days now. Go out for a walk and you come back stinking of smoke, clothes need to be washed. It's like going back to the 80s. While the air quality might be ok in your house, it definitely isn't outside, and I think a big chunk of...
  10. J

    Dilemma - clear mortgage or not?

    I have to say, I wouldn't even hesitate in this situation: pay off both mortgages. If not you're effectively borrowing money (albeit currently at a very good rate, although that will probably not last) to invest in something else. To paraphrase Brendan Burgess, if you were mortgage free and...
  11. J

    Health Insurance Just found out my elderly mother(87) is paying over 500 euro per month to vhi?

    Thanks foe this, sorry, I should have Googled before I posted! That's good to know. I used to work in the area, but left in 2012, my info is out of date!
  12. J

    Health Insurance Just found out my elderly mother(87) is paying over 500 euro per month to vhi?

    Community rating is supposed to ensure that younger people subsidise older people, but it didn't involve payments to VHI When the health insurance market was opened to competition here years ago, it was to be supported by 2 things: Community rating: everybody pays the same for a health...
  13. J

    Shortage of secondhand cars.

    Thanks for the good luck, I've just insured my now 15 year old car. Aviva were looking for €30 extra on the renewal this year, but switched back to Allianz for €105 less than that. A ~20% reduction even with my geriatric jalopy.
  14. J

    Options on parking availability and costs in Maynooth.

    That's fine, you make the choice to provide that parking to your employees at no cost. If you had to create new parking spots from scratch, it would obviously be expensive. In your case, maybe the land required, and construction of parking spots has already been paid for and is sunk cost, but if...
  15. J

    Shortage of secondhand cars.

    Thanks, I also have a 100+ year old house and many insurers won't cover, I don't think it's that big an issue really, just get quotes from the ones that do.. That AA article is 7 years old, things may have changed anyway..
  16. J

    Shortage of secondhand cars.

    I changed from allianz to aviva last year, car is 14 years old.
  17. J

    Revenue has sent you new correspondence... Where?

    This has happened before, notification received but no document. My email is on Gmail and they allow you to put full stops in your email address, e.g. it treats [email protected] and [email protected] as the same. I could see from the notification that I got from revenue that it was for my email...
  18. J

    Trading up - sequence?

    We did this. It's not a "short term" mortgage. It's just a mortgage. If you have the 20% deposit, then you can take a mortgage on the new house, then when you have moved, you can use some of the proceeds of the sale to pay down the new mortgage.
  19. J

    What are my options to access the internet if I live in a remote area?

    I heard this too, I don't know why he thought he needs a fibre connection for this. He would not be hosting his own website, the speed of his connection is irrelevant. He mustn't have spent any time researching this and is probably not serious about setting up an online shop. I'm pretty sure it...
  20. J

    Have I ruined my credit rating? Refused credit card

    Hi Mary, I'd recommend just paying off your credit card from savings. You're going to have to pay it off sometime, and banks will look for credit card statements anyway when assessing you for a mortgage. They may ask you where the money went or what it was used for, but they may ask you that...
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