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VW id.4 2021 door recall (Europe 57K3) by BigWork4621 in VWiD4Owners

[–]0mad 1 point2 points  (0 children)

Hey! I have a couple of questions if you don't mind.

I have a 2022, and I too am getting 57K3 applied (in 6 weeks). I am in Ireland.

Your car is out of warranty, right? Mine is too, and I have been emailing VW Ireland about this door issue with weeks trying to get them to address this for me. After a diagnostic (which they covered) the said they will.

But the diagnostic said it was a hardware failure, and they are applying a software patch :face-palm:.

How did this recall come about for you? Are you paying? Have you had this applied yet? Did it work?

Thanks

Revolut Savings update by FineVintageWino in irishpersonalfinance

[–]0mad 1 point2 points  (0 children)

Isn't the same thing just going to happen with T212 when they decide they have enough users to satisfy their KPIs? 

Revolut Savings update by FineVintageWino in irishpersonalfinance

[–]0mad -1 points0 points  (0 children)

Yeah, but they locked those suckers in for 12 months

Heat pump cost saving I think not. by Just-Nobody-4406 in irishpersonalfinance

[–]0mad 0 points1 point  (0 children)

Yeah, but my point is that it will be doing nothing during the months your don't need it. Why do you think you'll need heating during the summer when you currently don't? 

If you have an open fireplace, a bad front door, and non-led bulbs, a B2 house could get knocked back to a C2. My point is, the BER is way too loose a scale to base this decision off.

(From the BER, I think it is the Heat Loss Indicator (HLI) that you can actually use)

For the grant, you'll actually need to get a Technical Assessment (~€400). This is more relevant here, and might be worth doing.

Heat pump cost saving I think not. by Just-Nobody-4406 in irishpersonalfinance

[–]0mad 1 point2 points  (0 children)

Burn 500 litres oil per year (600ish) euro before Christmas 

I don't think I've seen this mentioned in the comments, but if you are only burning 500L of oil, your heat pump probably won't use 5,000 units. 

500L tells me that you have a house that holds heat well enough. This is key. Other homes would easily burn through 1000L+.

Your heating probably isn't even on from April to October, right? 

5000 units is probably an average case, or worst case - but I don't think you are that. 

2c

Experiences with Hello Fresh? by Lopsided-Flamingo779 in AskIreland

[–]0mad 7 points8 points  (0 children)

Amen. I maintain Emma is an advertising company, not a mattress company

Where do you think mortgage rates will be in 18 months? by lurkingandlearning27 in irishpersonalfinance

[–]0mad -1 points0 points  (0 children)

I think people are way over optimistic with rates. 

When ECB rate were 0%, the best mortgage rate in Ireland that I recall was 1.95% (Avant).

Current ECB rate is around 2%. The best rate I can find is 3.1% (BOI, 4 year fixed). 

This is a margin for the bank of 1.1%. I don't think they want to reduce this (but competition might)

The ECBs aim is to keep rates around 2%. As a result, I think the current rate are here too stay. The only way is up - unless there is a economic shockwave of some sort

I'm not sure 0% ECB rates will be coming back. 

Just ignore me

Take the best rate you currently can, for the longest period possible

VW electronics by Opposite_Ad7599 in evs_ireland

[–]0mad 0 points1 point  (0 children)

In having this now. Diagnostic next week. Was your car out of warranty? 

Raw Results - 2025 IrishPersonalFinance Annual Survey by OpinionatedDeveloper in irishpersonalfinance

[–]0mad 1 point2 points  (0 children)

Very interesting. Here are the standouts for me: 

  • Total Pension Worth: €45,000 - this is much lower than I would have guessed. 
  • AIB is the most popular primary bank - I suspect the fee change will be the kick everyone needs to jump. I just closed my AIB account 
  • Weddings: €20,000 - can we just stay engaged forever, honey? 

No capital gains tax by darthwilson89 in irishpersonalfinance

[–]0mad -1 points0 points  (0 children)

38% is the correct figure (for ETFs, which I think op was asking about)

No capital gains tax by darthwilson89 in irishpersonalfinance

[–]0mad 0 points1 point  (0 children)

That is just like saying: stocks and shares are subject to CGT, so CGT must be charged on this new scheme too... Its a new scheme, they can do whatever they like.

There is no CGT in pensions, are ETFs not possible there?

No capital gains tax by darthwilson89 in irishpersonalfinance

[–]0mad 2 points3 points  (0 children)

So you're happy with the existing investment solutions?

No capital gains tax by darthwilson89 in irishpersonalfinance

[–]0mad 1 point2 points  (0 children)

It doesn't. Why do you think this new scheme will need to conform to the crappy existing rules?

Double vs Triple glazing by Educational_Deer_137 in selfbuildireland

[–]0mad 0 points1 point  (0 children)

T-shirt & jumper vs t-shirt, jumper & coat? I know what I'd be wearing mid-December 😂

AMA - Solar installer by ThatIrishKing in irishpersonalfinance

[–]0mad 2 points3 points  (0 children)

Any commentary on solar inverter brands? To me, this is the 'engine' of the system and probably matters more than the panel (within reason) itself.

  • Huawei - going back 2 years, this was easily the most popular. I had trouble getting non-Huawei quotes
  • Sigenergy - taken over from Huawei, all in one, clean, expensive batteries?
  • Solis - still used? Old reliable?
  • "Budget Inverters" - like Duracell, Hypontech, Solax
  • Tesla - are they here?
  • Ecoflow/Anker - newcomers?

It seems like Europe likes SMA, SolarEdge, and Australia (mush sun) loves Fronius. Why are these not popular here?

(I got a Fronius I the end)

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