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I see you have strong views on these points @Purple from your earlier posts. At the risk of arguing semantics... Raising my kids has not been a burden in a negative sense, but it has led to is an opportunity cost far larger than I was aware it would be and that did not have to be as...

This is the conclusion I also came to when the kids were younger. On a lower wage, the cost of childcare is not offset. On a higher wage, extra hours are taxed at a higher rate meaning household net income is the same PLUS you are paying others to raise your kids. And that's without mentioning...

That’s a helpful clarification plus a very useful table, thank you. And it is a great country that recognises contributions from lower paid workers. Living off a lower wage is already tough without the further financial stress of not having a pension in retirement.

Thanks, @Gordon Gekko but could you clarify “covenants from adult children”? Not a term I’m familiar with. The investment risk issue fascinates me. It’s well documented that women prefer safer investment options - and are less financially literate - despite managing household finances more than...

All good points @misemoi and we have applied to take in a student. Once I achieve my new qualification it is absolutely my intention to target a job with proper pay and benefits. I’d also employ a cleaner in a heartbeat but I need to boost my hourly income rate back to what it was pre-kids...

Miscellaneous Comments This harkens to my thread on pensions and the challenge in trying to ‘catch up’ when you’ve been on no/lower pay. But to address the point of the thread, the skill set developed raising children is not immediately obvious as an employable one. (A bit like an Arts degree...

38? I’ve read over €352 for employee contributions but I see below that employer contributions might still count…

Hi everyone, Nominally as a marketing assignment* at Dublin Business School (but also for my own benefit), I'm looking into retirement planning for women. Specifically, mothers/carers who have taken time out or reduced their hours to raise kids or mind a loved one and are now back in the...

Thanks Snowyb. Will keep an eye out on the HIA site then... Cheers!

And it's renewal time already... We went with the Laya Flex 500 for us parents, and chose the Control 300 for the two kids. With the youngest going through FOUR pairs of glasses this year (an active wee boy) that sure came in handy! Renewal is suggested at €2200. Is S still monitoring these threads?

Hi Rory, Your point about the stock exchange platform is entirely why I want to go Self-Directed! I'd ignore the whole PRSA option altogether if we didn't need a product to wrap long term hold high dividend yield shares into without getting whacked with the higher tax rate. (Our Oz pension...

sam.ie do seem a bit good as a general trading account... Could the main "adv" be Irish regulation and euro over USD? Can't find if there are any specific tax advantages...

I'm newly back in Ireland and the husband and I have no pension accounts here worth the mention. (Aussie Superannuation but that's another story.) Looking into Self-Directed PRSAs and quite keen on the Standard Life product BUT they specifically exclude Unit Trusts, OEICs, SICAVs, ETFs, and "any...

Hey Snowyb, You are a legend! Thank you so much for explaining this in such a straightforward way. I'm boggled at being able to have the kids on a different plan, but it makes a good deal of sense and is what we'll be doing. The Laya Flex 500 looks like it'll do the job for us, and I'm happier...

Hi there We've moved back from Australia and took a stab in the dark with health insurance last year - having lost all the years we were covered in Oz because it isn't counted here. But I still don't have my head around what level of cover is needed in Ireland as you don't seem to get choice...

I'm having similar problems having moved here from Australia - even having lived in Ireland before. My jointly-held-with-my-husband Australian policy only "counts" for him. (It's treated here as if I were only a named driver on it, not a joint policy holder.) I can get quotes but they are...