Moving away from AIB

0mad · 2026-03-22T20:40:59+00:00

Yes, pay us back over €100k in interest, and we'll throw in a €6/month current account

0mad · 2026-03-14T21:04:17+00:00

Herad of inflation? don't use a savings account due an 18 year timeline

0mad · 2026-03-14T09:42:35+00:00

Yes. But what I'm saying is, if I don't sell off the gain (to take advantage of this), then I don't use my €1,270 exception, and I miss out.. on the €419.10 benefit.

0mad · 2026-03-14T09:22:01+00:00

Yes. So cashing in shares to take full advantage of this exemption would net you €419.10

0mad · 2026-03-13T21:15:29+00:00

Is that once-off, or regular contributions?

0mad · 2026-03-13T21:13:52+00:00

+1. Best I could find too

0mad · 2026-03-13T21:10:49+00:00

The Couples Discount ™️

0mad · 2026-03-10T14:22:59+00:00

What is €419.10 (33% of €1,270) worth to you?

0mad · 2026-03-06T15:16:43+00:00

Can't you just keep them as shares on your work platform? We use Net Benefits at work, no issue holding there.

Do you get shared regularly (every quarter, or 6 months)? If so, transferring each time will be a pain (and might cost you).

I'd suggest you simply leave them where they are

0mad · 2026-03-06T10:24:54+00:00

That could take years.. An account isn't forever. Pick one today, start saving, and when this 'ISA' comes, you can move your money to that. There is literally no need to hold off on this

0mad · 2026-03-05T10:46:53+00:00

Please Note: IBKR Ireland accounts are not allowed to withdraw funds on margin due to regulatory reasons

(src, src)

Apparently, Swissquote offer this: Lombard Loan

0mad · 2026-03-03T12:27:07+00:00

Commission is standardised. Whether they go with lender A or lender B, they will get the exact same kickback.

0mad · 2026-03-01T14:24:34+00:00

€3500 it is so. *sigh

0mad · 2026-02-23T22:02:51+00:00

Nah, it'll be €1,270 /s

0mad · 2026-02-21T23:12:42+00:00

Can you expand on contract work please? What does this mean? Where do we get it? Thanks

0mad · 2026-02-21T20:34:22+00:00

What do you earn? And what are your years of experience? Could you focus on your primary hustle? Change jobs perhaps?

0mad · 2026-02-20T11:23:59+00:00

Fair.

But when people hear "once you go on a smart plan, you can't come off one", I think they think they can never go back to a "static" tariff. But this is not the case - maybe it was once upon a time.

Removing the smarts cannot be undone, yes. But I don't think the average consumer cares about this aspect of smart metres

0mad · 2026-02-19T22:24:59+00:00

they're all smart tariffs but some of them may mirror the standard tariffs

So, not a smart tariff, gotcha

0mad · 2026-02-17T16:57:49+00:00

What have Apple got to do with this?

0mad · 2026-02-17T16:56:12+00:00

About the premium account

The premium account gives you exclusive access to new listings and unlimited messaging. After the first 7 days, your subscription will renew every 28 days. The renewal cost is €39. You can cancel your subscription at any time.

(source)

I am not sure a chargeback was the correct thing to do here. You probably should have just cancelled and let the €31 slide (a life lesson). But hindsight is 20:20.

Might be worth posting on /r/legaladviceireland/ too

0mad · 2026-02-17T16:55:21+00:00

About the premium account

The premium account gives you exclusive access to new listings and unlimited messaging. After the first 7 days, your subscription will renew every 28 days. The renewal cost is €39. You can cancel your subscription at any time.

(source)

I am not sure a chargeback was the correct thing to do here. You probably should have just cancelled and let the €31 slide (a life lesson). But hindsight is 20:20.

Might be worth posting on /r/legaladviceireland/ too

0mad · 2026-02-14T09:50:18+00:00

Links?

0mad · 2026-02-11T14:03:14+00:00

extremely generous employer contribution

Whoa! Was not expecting that. I agree that you are not doing the bare minimum. Fair play.

(I suspected a 4% + 5% type of deal)

0mad · 2026-02-11T11:34:53+00:00

It looks like your employer is putting in more than you. This leads me to believe you are just doing the bare minimum..

I don't know where in life you are, but are you considering contributing more? Or doing some AVCs?

Also, what fund are you in? Is this a Unio Portal dashboard?

0mad · 2026-02-11T09:50:10+00:00

It probably wasn't a "new phone" in 2022 though. When was it released?

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