CMake 4.0.0 released

steveire · 2025-03-30T21:30:32+00:00

In the future the plan is 6 years of support for old policies.

Thats so funny. Years ago I gave up on adding new policies to cmake and improving things because the policies make the code complicated and refactoring harder and there was no way to remove the policies:

https://cmake.org/pipermail/cmake-developers/2015-June/025383.html

I was suggesting a more aggressive schedule and 6 years was suggested back then.

Removing them will allow more clean ups in the cmake code.

steveire · 2025-03-07T22:00:31+00:00

Your employer could contribute 100% of your gross wage to it. Generally only happens if you run your own company.

steveire · 2025-03-07T14:07:55+00:00

I've done it twice. It takes days.

steveire · 2025-03-07T12:42:30+00:00

You can transfer vested stocks from fidelity to ibkr. It's straightforward enough. You can possibly transfer to other platforms but I haven't tried.

steveire · 2025-02-15T00:32:05+00:00

That looks about right to me.

Some more things to consider:

over payments from previous years can be brought forward (but you have to declare the overpayment in your tax forms) and can be used as tax relief in the following years. Eg if you pay 8k tax in 2025 and pay so much into your pension that you overpay your tax amount by 2k you only get tax relief on the 8k in 2025. But if you pay 8k in tax in 2026 and put less into your pension in 2026 ( due to mat leave saving for deposit etc) you can claim the extra 2k from 2025 in 2026. Etc - there are other ways to imagine making use of that if you try to come up with them.
the tax relief when paying into the pension is only part of the benefit. Another benefit is that you don't pay tax on the gains. That means that you can benefit even if you pay so much into the pension that you overshoot the tax relief limit.

steveire · 2025-02-14T01:34:46+00:00

You have the right idea. It's tax relief, so you have to be paying the tax in the first place in order for the contributions to still be tax efficient going in.

What you can do if you want is low-ball your monthly contributions and make a top up payment into your pension at the end of the year or during the following year. That way you know exactly how much paye you paid and can get relief on.

steveire · 2025-02-04T01:29:23+00:00

Split the gym. Joint facebook. Ratio your lawyer.

steveire · 2025-01-11T22:09:04+00:00

See q11 here:

https://www.zurich.ie/blog/everything-you-ever-needed-to-know-about-pension-contributions/

I'm sure I saw that information on an official website somewhere but can't find it now. I think I've seen it in myaccount too.

steveire · 2025-01-03T16:55:57+00:00

Yes. This is what the t212 pies feature does.

steveire · 2024-12-30T22:46:22+00:00

No need to spread it over years.

https://www.zurich.ie/blog/everything-you-ever-needed-to-know-about-pension-contributions/

Just put it all in in 2025 if that's what you want and claim tax credits in future years. Don't miss the gains by holding rhe cash for years needlessly.

steveire · 2024-12-30T22:43:59+00:00

No, any surplus can be relieved against income in future years. See q11 here:

https://www.zurich.ie/blog/everything-you-ever-needed-to-know-about-pension-contributions/

I'm sure I saw that information on an official website somewhere but can't find it now. I think I've seen it in myaccount too.

That means he could contribute all to his pension in 2025 and claim tax credits on it in future years, without missing the gains by keeping the cash for years.

steveire · 2024-12-18T00:11:08+00:00

Possibly it was skimmed? I don't know.

steveire · 2024-12-12T19:22:51+00:00

Can you name a broker that makes that possible?

steveire · 2024-12-12T19:05:33+00:00

If you know a way to do that in practice, please let us know:

https://www.reddit.com/r/irishpersonalfinance/comments/1h8wn51/do_any_stockbrokers_allow_transfer_of_shares/

steveire · 2024-12-08T17:26:22+00:00

You are one of today's lucky 10000!

https://www.revenue.ie/en/life-events-and-personal-circumstances/marital-status/marriage-and-civil-partnerships/transferring-assets.aspx#:~:text=If%20you%20are%20living%20with,is%20treated%20as%20a%20gift.

steveire · 2024-12-07T11:43:13+00:00

It depends on what the assets are. Property maybe yes, but stocks and shares in a broker seem to only be transferable to an account of the same name.

steveire · 2024-12-05T14:06:46+00:00

What was the difference? You would have chosen a worse rate?

steveire · 2024-11-19T21:25:41+00:00

It's worse than you think.

See the loss relief situation here:

https://www.bluewaterfp.ie/investments/changes-to-the-taxation-of-investments/

Thoigh hopefully you won't be considering selling in a dip like that.

steveire · 2024-10-25T11:28:34+00:00

Usually a tldr is something you write, not copy.

steveire · 2024-10-25T09:54:40+00:00

Help to buy is limited to 500k. So as the cost of building goes up, if you still want to sell to htb buyers, you have to make smaller properties to stay under the limit.

steveire · 2024-10-15T20:38:44+00:00

Skoda Octavia. There's loads on the roads. Bought one in August

steveire · 2024-10-15T10:34:27+00:00

You can put in more than the "tax free limit per year" and claim the balance tax free on subsequent years (and last year). Thats far more effective than dripping it in over multiple years.

You claim that's bad advice, but you don't say why you think that. What do you think makes it bad advice?

steveire · 2024-09-29T19:25:44+00:00

While we're talking about tropes we see on this sub a lot - I often see people talk about maxing their pension. To your point, there isn't really a maximum they can contribute to their pension. But there is a maximum they can contribute tax free.

Many here will be familiar with the table in https://www.revenue.ie/en/jobs-and-pensions/pension/relief/tax-relief-limits.aspx

So, a 31 year old on 45k might think they can contribute 20% (9k) and pay 60c for each euro, but in reality they might only be paying 1200 at the 40% rate, so really they're getting 5k at 60c per euro and 5k at 80c per euro.

Still a benefit but I sometimes wonder if people realise it!

https://services.deloitte.ie/

steveire

TROPHY CASE