ireland

I’m still on a 0.8% tracker. Looking at swapping to a fixed rate given the likely increases over the next few months (should have looked sooner I know). Best rate I can see at the min is with current provider at 2.8% for 4 years Just thought I’d get something perspectives before I take the...

Is the Brk.b a good long term investment in Ireland or is it as taxed as the S&P?

So just got my latest Eir bill for broadband and mobile and have noticed the increases which are based on the annual Consumer Price Index (CPI) which was 4.6% plus an additional 3% so 7.6% in total. Signed up on a new customer deal 100mb for €35 and mobile for €10 which is a decent enough...

I currently am sitting on a IBKR port spread of 10% vusa (for the gleaming hope DD is eradicated). 30% JAM, 20% Brk.b, and a small hundred quid in JNJ. Very small portfolio but I'm just testing the waters to see what I like. Sold my stake in FCIT. Wasn't too happy with it for the last 3 months...

So a few years back I bought a few obscure crypto tokens and added them to the exchange's staking platform and kind of forgot about it. Recently I checked up and see that over time I was awarded a few other cryptos as part of the staking reward, which are now worth a small amount. I don't...

Hi I checked all previois posts but couldn't find similar situation. Wondering if anyone was in the same situation.. Post divorce property transfer. I need to get mortgage to buy off my ex (leftover on house mortgage) approx 135 k Is my stamp duty will be 1% of that amount? Or of the full value...

Hey, curious what were the lowest rate everybody has seen in recent years on their mortgage offers by Irish bank? Say in year 201x and onwards. I entered fixed rate in 2021 at about 2.6%. average is around 4.5% now and I felt it could be peaked anytime soon. hence was thinking what's the...

Recently started a job, probably making 40-50k gross per year (depending on hours worked) but obviously less this year because I missed almost 4 months of working. 24 years old working in construction for a smallish company and I'm going to assume they don't have pension plans because of the...

I’m looking to get myself enrolled into a PRSA before this horrendous auto-enrolment scheme kicks in this year (I’m surprised there’s not uproar about how this is being implemented because long term this will make pensions much more costly to the individual as far as I’m concerned) Info about...

Hi guys, I’m about to go sale agreed on a house in Hollystown for €458k. The house is Detached 3 bed 4 bath (2 en-suite). (The con is the location, very far from everything). In the other hand, I have another house in a nice area of Lucan for €455k. The house is semi D, 3 bed 3 bath. The...

Hello folks, I know you lot are by in large very sensible and great for giving out solid advice. But I’m interested to know if anyone here goes with something a little counter intuitive and owns a ‘stupid’, stupid in the sense that it’s not an econbox, it’s not been purchased purely out of...

Hi all. Just wondering if someone could shed some light on something. I’m strongly considering starting a very small business from home selling clothing products. I have a supplier sourced and I know that the type of clothing will be popular with the right audience, in which I’m heavily...

Hi all 👋🏼 So I made a silly mistake last year and got myself a credit card. Made the even sillier mistake of racking up money I can’t afford on it, and I’m aware of how stupid that is. However, I’m in a bit of a fix and looking for some smart advice. I currently have a balance of €2,800 on...

I worked at Burger King for 6 months during my 6th year, but my mom insisted I wait until after my first semester of college to continue working. I attend Trinity College and prefer a job in town or within a bus ride from there. Despite not spending much, I mainly use my money for lunch. While I...

BRKb’s assets are broadly similar to the S&P 500 and the historical performance is quite similar, but as a stock doesn’t have the same downside of Irish ETF taxation. I’m thinking it might therefore be a better option for a long term growth option. Interested in peoples thoughts?

I have RSUs & ESPP through my employer but I know I'm overconcentrated (too many eggs in one basket). I have shares accumulated at different prices over a period of time, some with unrealised gains & unrealised losses. I'm new to investing but after some research I 'think' I understand the...

About to start my last year of college in September and I am contemplating whether to work part time or not through the college year. For context I am fortunate enough that I will not need to work to survive getting by (food, accom etc), but more so for personal enjoyment like going here and...

Just curious what people's thought are. Right now their interest rates are worse than they were (3.6 when we fixed) and there is word that ECB will reduce rates soon but everything is so uncertain, who knows what will happen in 6 months let alone 3 years. Also there are better alternatives out...

Hi, I'm considering what pension account to go with. I've narrowed it down to maybe the Zurich one via LA Brokers (1% fee, 100% allocation it seems) or more likely the self directed Davys PRSA (0.75% fee). Is it allowed to have multiple PRSAs. For Example could I open both the Zurich one and...

So I’ll be looking at a new car in the next few months (single M with parents earning 32kpa gross, 5k loan getting paid off so there will be space for it). The advice I’ve got is to tell lenders “it’s NOT a motor loan.”, basically taking a “personal loan” instead because of supposed lower rates...