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@prodigalson8523 I suppose this is precisely my concern.

@prodigalson8523 How did you check if the distribution of per unit time growth over the sampled time period was normal? Can you show this data?

@duke7779 Find an 'execution only' financial adviser when setting up for PRSA. Contribution fees are straight theft.

@artur The amount between €200,001 and €500,000 is taxable at the standard rate of tax (20%). So that's the 299k, not the next 500k. Any amount in excess of €500,000 is taxed under Pay As You Earn (PAYE) at the marginal tax rate (40%). From this point of view, there is probably little or no...

@sbrodhagen For those looking for a garage, just be aware that BER inspections do not seem to take into account insulation beneath floors above the garage. It isn't logged a floor insulation. So almost inevitably in an older house with such an arrangement, you will be looking at insulating...

@brad94 Yes. It could.

@gabbyrose4 "I have X to spend," => "I will look to spend Y," is not how you look for a house. The goal is to spend as little money as possible on the property which satisfies your needs entirely and your wants to as reasonable a degree as possible. Cost out your needs and wants first, then...

@lucsch I have heard this story, too. I have moved an aggregate of over 100k EUR over the last ~7 years using Wise, and never had an issue. Wise don't allow you to use your personal account for business purposes, and obviously the T&C's don't allow illegal activity. You're not going to get...

@sally1996 Mould and damp is a big red cross from me. Every second hand house needs repairs and upgrades, but mould, damp, subsidence, structural cracking, or pests are all thankyou, next.

@kinzie The variable rate still benchmarks where the fixed rates will be. If your model is 'fix again' then you use that number plus some fixed cost.

@sharonarrives Calculate out the total cost of a seven year term under either mortgage and a variety of different variable rate scenarios for the three variable years of you were to pick the 4. Assuming any of those scenarios can happen, choose the term/rate that you can live with. That is...