Search results

  1. F

    AIB Online Saver Account

    See this post on the topic: https://askaboutmoney.com/threads/aib-regular-saver-how-does-it-work.233183/#post-1866281
  2. F

    Should we pay more tax to have a better society?

    I've paid north of €1M in taxes over the past 20 years and got very little in return from the state for it. Before that, I lived in Germany for many years and recall that the taxation rates were similar but the services that I received (healthcare, public transport, public infrastructure, pay...
  3. F

    Living separate - Taxation

    You should be able to complete a tax return an elect to be jointly assessed for the year of your separation. This should give you some refund of the tax paid.
  4. F

    Can an employee dictate who the pension provider is?

    If it walks like a duck, quacks like a duck then, guess what, it most likely is a duck ! Equivalent UK products such as the UK version of ARFs have less than 50% of the charges in this country. The Sean Quinn saga tells me that people are uninformed about the charges due to market opacity and...
  5. F

    Can an employee dictate who the pension provider is?

    Because we're a small Island on the very edge of europe and the regulator probably is personal friends with most of the brokers and insurance company executives. It's a state supported cartel that survives due to market opacity, smoke and mirrors & hidden charges all there to screw over the...
  6. F

    Which broadband provider?

    They eventually came back with an offer by text which I accepted. 50% off for 12 month contract so €30 per month for 250MB down fibre broadband.
  7. F

    "Comparing Bitcoin to Ponzi Schemes is unfair...

    Here's what ChatGPT says: " Predicting the future value of Bitcoin or any other cryptocurrency is highly speculative and carries significant risk. The value of Bitcoin is influenced by various factors, including market demand, investor sentiment, regulatory developments, technological...
  8. F

    ARF Distribution and PAYE Process.

    Didnt really help. Here's what ChatGPT says: "To determine the cheapest Irish ARF (Approved Retirement Fund) for a €500,000 investment, including broker commission and trail commission, we need to consider several factors such as management fees, broker commissions, and trail commissions. It's...
  9. F

    ARF Distribution and PAYE Process.

    Maybe I'll ask Chat GPT to do a Key Post on the topic as I agree it's beyond most mortals as the industry does everything to hide charges in terminology and smoke and mirrors. I'll post the results here.
  10. F

    ARF Distribution and PAYE Process.

    Agree but charges are also important given that the difference can make up 1% PA which makes a 4% draw down 25% more expensive for the uneducated pensioner. Sure early encashment, the ability to "bucket" cash fund withdrawals etc., withdrawal breaks are also interesting topics well worth the...
  11. F

    ARF Distribution and PAYE Process.

    Agree it would be difficult Liam, but if we were to limit the Key Post to Passively Managed Global World Equity funds for 70-75%% of the fund and the balance in cash on an execution only basis (including Broker fees/commission) then at least everyone would have an idea of what is the "Best Buy"...
  12. F

    ARF Distribution and PAYE Process.

    Feel free to post the AMC of any ARF to give us all a bit of transparency in this smoke and mirrors cartel like closed market. The AMC should include the Broker/Financial advisor trail commission which is hidden in most cases and not transparent. Can I suggest that some knowledgable member...
  13. F

    "Comparing Bitcoin to Ponzi Schemes is unfair...

    Looks like it may be time to get out before the Ponzi collapses ;):p
  14. F

    Re-Turn Plastic Bottles

    Again this is another solution in search of a problem ! It's not well thought through, a bit daft and if anything will cause more enviromental damage due to unecessary trips to drop off locations. Sometimes I wonder why common sense seems to be an attribute that most of our politicians lack ? I...
  15. F

    AIB query - Debit Card doesn’t always work on my phone…

    Never had an issue with my Aib debit card and Apple Wallet
  16. F

    Which broadband provider?

    Just cancelled with Virgin Media there. Best they were offering were €15 pm off the €60 pm for a 12 month contract (Broadband only 250MB down). The new customer deal at twice the speed is €300 less (than my current plan) so €25 pm plus €100 Gift for All voucher so definitely worth the...
  17. F

    Comreg case against Virgin Media

    Thanks - I cant see any option to cancel online. Says I either need to call 1908 or send a letter to Limerick.
  18. F

    energy credits 3 x €150 between now and April

    When I did this last year Electric Ireland initially refunded me the energy credit after calling them to ask for a refund. Then they tried to bill again and take the energy credit back by direct debit (I blocked the direct debit). I had to call the regulator and ESB Networks to establish which...
  19. F

    Comreg case against Virgin Media

    Just wondering when you cancelled did you sign up after the 30 days using your same name and address ? Was there a 90 day period post cancellation they made you wait before signing up as a new customer ? Did you have to send back your router and get a new one sent to you ?
  20. F

    How to fund a self-build

    Just a thought but could you not get a €500K mortage on your existing Dublin Property and use that to finance the build ?
Back
Top