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@everydaylily Background in biochemistry and working in the area for 2 years . If your a people person and have a background in science its a super industry and the barrier to entry is very big as you need that science background but also good at sales

@fellipe Antibodies,Elisas, cells etc Mainly research

@lilybee Pharma sales

@fellipe Oh i agree not stabe at all as especially as im in a small company 80-100 employees . But ill always find work in the area as its great margins and lots of companies looking for skills adn knowledge in biochemistry and also sales

@starofthe_0cean its 3% and its fixed for another 4.5 years . I have been told by everyone here to pay the 70 k off it ? im torn now. I think if i can reduce the term ill probably pay the lump sum off

@echodreamer No I could get my savings to that in 2 years as i currently have 72k. so 70 plus the 60 in 2 years . But ye i get you

@echodreamer Surely my savings would be wiped out if i payed the mortgage early? and take me ages to save back up

@blessbrenda No im charging 600 for double and 500 for single room so covers 90 % of it

Hi So context here . Im 26 Y/O earnig around 75k annually and I bought a house last year worth 215k and have a 185 k mortgage on it Currently im using the rent a room scheme rentig 2 rooms covering my mortgage payments of 1250 for a 15year mortgage . So essentially living mortgage/rent free...

@pearlsamuel Yes i get the diversification ut i have a few points back here but this is just a conversation and not trying to argue or anything as i like hearing different opioions you say 50 % of my assets in property is risky yet its an actual fact that 80 % of irish peoples wealth is tied...

@pearlsamuel Yes both mortgages are 15 years and i did this as i knew i could afford the repayments and its sometimes difficult to overpay due to breakage fees when interest rates are lowering but i agree with you here that because my repayments are so large due to the term length it will...

@earnest1018 Ye i vet the tenants alot . Theres a ridiculous demand for accommodation for rooms currently but im quite strict on what i want and will always have a trial period of a few weeks for everyone

@chronoswirl TBF the ARP is a scheme to accommodate Ukrainians that arrive in Ireland I provide 2 singe rooms for 2 people and receive 1600 euro tax free Id be mad not too but i alos provide 3 other double rooms on the rental market

@earnest1018 So ill have 800 tax free on the ARP scheme and the rest of the rooms will be taxed on the first house but then ill avail of the rent a room on the house i just bought plus ARP

@liilas Thanks feel free to message if you need a hand

@kathrynjones Well actually i volunteer for an organisation and provide my two single rooms

@dewayneb Ye plan is to acquire 3-4 properties and then start to pay them all off Should have a great cashflow then to retire off 3 or 4 rental properties May not even need the pension in the end

@blesshakinah I know the area as I’d lived near there for a year in the first house and the house were all council built in the 60s so basically there rock solid so put a bid on the property It’s dated inside so I knew it would not go over asking price I got a surveyor then to check it out...

@vulcanlogician Ah it’s mental It’s the best scheme iv ever seen I just rent a single room in both houses and then once the 2 doubles left over which I can get around 600 each

@asurfpro No I’ll be getting it from one of the houses I’ll be living in Then I can claim ARP for the two house which is 800 each So around 3k for the two