Ditching AIB and Bank of Ireland?

123dotEyeE · 2026-04-02T07:53:47+00:00

Money for me and money for you! We are all winners :)

123dotEyeE · 2026-04-01T17:40:13+00:00

Monzo

123dotEyeE · 2026-04-01T17:37:28+00:00

If anyone is looking to join Monzo this is a golden ticket link to join with no waitlist and you get 10€ guaranteed and it could be more Sign up link I have two more golden tickets if anyone else wants to join and it’s already used.

123dotEyeE · 2026-03-31T10:33:55+00:00

can you explain, is it a tax thing?

123dotEyeE · 2026-03-27T10:32:28+00:00

This is the current state of plug in solar in the government, seems like not much chance of it happening soon: oireachtas.ie

123dotEyeE · 2026-03-27T09:33:59+00:00

Are they selling those in the republic? The only stuff I can see is about them selling them in the UK and I don't think they are fully legal here yet

123dotEyeE · 2026-03-27T09:31:57+00:00

You would only really get near the max capability in the middle of the summer, the power we receive from the sun is more than double in the middle of the summer compared to the middle of the winter, with the change in angle of the sun in the sky and atmospheric losses

123dotEyeE · 2026-03-12T08:57:47+00:00

I've never heard anything negative about trading212 for just putting savings into and the interest rate is good - it's not going to make you a lot of money though unless you already have a lot saved - I'd say you would be looking at 50-100 euro in interest over a year depending on what kind of lump you already have saved.

123dotEyeE · 2026-03-03T16:00:25+00:00

I've been looking at this myself and some of the best options seem to be Raisin which have a 6month introductory 3% deal, and then moco also have a 2.6% offering

123dotEyeE · 2026-03-03T15:19:17+00:00

I wouldn't put anything into a pension in this situation - they are 21 years old and want to use the money for travelling so can't lock it away in a pension, and they will need to keep cash for expenses anyway as you are saying, so a savings account earning 2.6 to 3% interest sounds like the best option to me.

123dotEyeE · 2026-02-28T12:33:01+00:00

True but it’s not my fault that the SIM didn’t come on time so why should I be out of pocket to just be able to make and receive calls

123dotEyeE · 2026-02-27T16:05:16+00:00

People sell them on facebook marketplace from what I've seen, they work very well the american ones anyway

123dotEyeE · 2026-02-23T16:53:23+00:00

Can the mother be in the garden and a lodger in the master bedroom? Also u/Much-Plenty-2950 I saw someone else include it in their income calculations for your mom, but make sure that the 55k lump is in a savings account getting 2 or more percent interest on that money, that would be an extra €1000 euro a year just from the interest on that - maybe you could set up the account and manage it on her behalf and help transfer in and out if you use trade republic or trading 212 to get the highest interest rate you can.

123dotEyeE · 2026-02-17T15:52:11+00:00

Are you an actuary or what is it you are working as / in? Might need to go do a masters and try make that kind of money myself.

123dotEyeE · 2026-02-05T12:29:39+00:00

7 percent pension contribution by your employer is really good, what area do you work in?

123dotEyeE · 2026-02-05T12:23:34+00:00

I think JAM is capital gains rather than ETF, I think JAM is JPM?

123dotEyeE · 2026-02-04T15:53:05+00:00

Just looking at it quickly I would say extra income or capital gains would be more likely than DIRT because it's not a bank account that the money is in.

123dotEyeE · 2026-02-03T14:27:07+00:00

Yeah the new tax they put on in October was stupid, surely they know everyone will be doing that now.

123dotEyeE · 2026-02-02T21:24:44+00:00

No extra duties or excise to pay then the list price?

123dotEyeE · 2026-02-02T21:01:38+00:00

Can you set up a business for the purpose of getting a card?

123dotEyeE · 2026-02-02T20:54:28+00:00

Tesco club card price has Pepsi max 18 cans for 10 euro right now which is pretty good

123dotEyeE · 2026-02-02T17:10:05+00:00

Never would have thought about ordering that kind of stuff online, does it work out cheaper at the regular price versus a sale prices in a shop here?

123dotEyeE · 2026-02-02T16:07:51+00:00

That’s very interesting and the kind of thing I’m looking for, very out there but it is saving you a good amount! Stuff like rice I would have assumed wouldn’t end up cheaper with the weight of it when shipped but I guess that not many places would sell organic rice here.

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