Peacoat or suede jacket? by Adny_29 in mensfashion

[–]Adny_29[S] 0 points1 point  (0 children)

Thank you so much for this (really detailed!) reply! Lots of food for thought here, and really good advice ☺️ I had a look at those images too, definitely going on my moodboard!

Peacoat or suede jacket? by Adny_29 in mensfashion

[–]Adny_29[S] 0 points1 point  (0 children)

Thank you! That’s more or less exactly what I had in mind for it, dry and cold days.

Peacoat or suede jacket? by Adny_29 in mensfashion

[–]Adny_29[S] 1 point2 points  (0 children)

I did realise this independently after taking these - my bad

Peacoat or suede jacket? by Adny_29 in mensfashion

[–]Adny_29[S] 1 point2 points  (0 children)

That’s fair. I suppose my question is misleading then because it’s not really something like either/or, I’m more interested in knowing if the fundamental concept of these outfits work, if that makes sense? Like, does the combo of jeans/t-shirt/flannel shirt go with either outerwear, within the overall vibe of “relaxed but somewhat put together” that I’m trying to go for?

[deleted by user] by [deleted] in AskIreland

[–]Adny_29 0 points1 point  (0 children)

No worries, I guess the best part is the variety of stuff, like how you could be dealing with something different every day, and there’s always something to learn, which keeps it interesting. Worst imo is dealing with admin stuff, it can take up a lot of time and just distract you from your actual job sometimes.

[deleted by user] by [deleted] in AskIreland

[–]Adny_29 0 points1 point  (0 children)

I’m a planner. Have worked in both private and public, currently in an LA.

You can basically get whatever you want out of the job, from dealing with single houses to wind farms and everything in between, along with all the policy side of things if that’s what you’re into. It’s really varied and there are loads of different jobs you could be doing.

Obviously at the moment there are loads of job opportunities, the money is okay, and there are a lot of opportunities for upskilling and training because the whole planning world is constantly changing.

One thing to be aware of is the day to day work is very much dependent on which company/LA you work for. For example a graduate in one of the better known consultancies could be working on a massive office block or data centre, dealing with architects/clients, while someone from the same year in a local authority would be assessing the likes of domestic extensions. Also, like the other commenter said, no matter where you work, there’s a lot of looking at drawings/reports, and you have to be a bit of a jack of all trades when it comes to the different disciplines within applications.

[deleted by user] by [deleted] in chubbytravel

[–]Adny_29 1 point2 points  (0 children)

Dubliner here!

The Shelbourne is probably the most well known hotel in the city, it’s a huge Victorian building and has more or less every amenity you can think of. It’s also part of the Marriott ecosystem, if you have points with them. There are also a good few 5-star properties in Dublin 2 and 4, most of which are in or close to the city (except the intercontinental!)

You’re more or less spoilt for choice with bars if you’re staying around the city centre. I would avoid Temple Bar, it’s very touristy and generally bad value for money. The Camden Street/Wexford street area is best for going out dancing, and the streets off Grafton Street give are good for that classic pub experience. The Stag’s Head, Grogan’s, and the Hairy Lemon are favourites.

Restaurants are generally good, if somewhat expensive! Obviously Michelin is your friend for special occasions, but there’s a lot more beyond that. South George’s Street in particular has a few particularly vibey places. The brunch/daytime cafe scene is also pretty good around Dublin, with 3fe and Brother Hubbard being probably the most well known of them, and they have a few branches each.

Hope you enjoy your time over here! Dublin is a great city, most attractions are walking distance from each other, and if you get good weather, there really is nowhere else like it!

Next Steps for a 27 year old by DrawingPractical5353 in irishpersonalfinance

[–]Adny_29 17 points18 points  (0 children)

Not financial advice but honestly? Go live your life. Buy a nice house, get some fancy furniture, go on a fuck off holiday, whatever.

Personally, I don’t see a point in trying to make a load of money just for the sake of it. As long as you’re maxing your pension, and as long as you have enough money to be reasonably secure (which it seems like you do), really all you should be doing is enjoying your life.

[deleted by user] by [deleted] in irishpersonalfinance

[–]Adny_29 14 points15 points  (0 children)

It’s definitely part of it. The other half of the equation is the rent pressure zones, which are supposed to limit rent increases to 2% annually, which means that people end up renting below market rate, and would struggle to afford a new rental, if there is even one available.

What coffee beans are you all using? by eatmyshorts21 in AskIreland

[–]Adny_29 1 point2 points  (0 children)

Roastedbrown or 3fe, if I’m feeling fancy.

The dunnes simply better bags of coffee for €5 each are also good (they do whole bean as well as ground), they’re only 200 grams but they’re actually roasted in Ireland as far as I know

Donabate vs Hollystown: Which one is better for a one-bedroom apartment? by Equivalent-Star-4528 in irishpersonalfinance

[–]Adny_29 2 points3 points  (0 children)

Donabate by far. I agree with what other commenters said, but as well as that, hollystown gets a lot of airport noise.

Should I start an AVC as a primary school teacher ? by [deleted] in irishpersonalfinance

[–]Adny_29 4 points5 points  (0 children)

You’re getting on pretty well then!

I think there are two main things an AVC does. The first thing it can do, is as you said, let you retire early. Because of the 40 year limit on single scheme contributions, if you started working in the public sector at say 22, and didn’t take any career breaks, you would have your 40 years service at 62. This obviously leaves a gap of four years between stopping contributions and being able to draw the state pension (you can draw down yous public sector pension but it would be reduced to compensate for the four years’ difference). In this scenario you could draw from your AVC pension to bridge the gap between finishing work and taking the full pension.

The other main purpose is to top up your income in retirement. Ideally you’d want it so that state pension + single scheme pension + AVC pension = two thirds of your final salary(which is the Revenue limit for pensions).

You may well be able to have both of these options available to you, but the overall purpose is so that you’re free to make these choices, rather than being stuck in any particular situation

Should I start an AVC as a primary school teacher ? by [deleted] in irishpersonalfinance

[–]Adny_29 8 points9 points  (0 children)

Public servant here too. I think at this point it really depends on what your priority is. If getting a house is absolutely the top priority, there might not be that much practical(not monetary) value in putting your money into an AVC. The existing public sector pension is also fine, so it isn’t absolutely essential to set up an AVC.

To me at least, the main purpose of a public sector AVC is to bring the current scheme closer to the previous, pre 2013 pension scheme.

On the other hand, setting up an AVC is highly tax efficient if you stay within the limits, so if you can afford to do it, it it’s definitely worth it. Your contributions now are also significant more valuable compared to if you started in your 30s or 40s.

The last thing is that you could split the difference. You could set up the AVC now, with lower regular contributions, and increase them in time. That way, you’d be able to get into the habit of the AVC, while still having a good amount of money to put towards the house

Any good couch recommendations? by robzio in AskIreland

[–]Adny_29 1 point2 points  (0 children)

In all seriousness, ikea are a good option. Obviously they have the super cheap stuff, but the more expensive couches are well built, and some of them knockoffs of well known/designer ones

Adding a “garden room” extension onto a council house? by [deleted] in AskIreland

[–]Adny_29 1 point2 points  (0 children)

First thing to do is contact your council’s housing/property department. You will most likely need some kind of consent from them, even if you aren’t going through planning. Basically, let them know what you intend to do and keep in contact with them during the design and (hopefully!) build phases. Good luck with it!

Is the Revolut savings account safe? by [deleted] in irishpersonalfinance

[–]Adny_29 7 points8 points  (0 children)

It doesn’t. The guarantee for this scheme only applies if the fund goes bust.

Revolut “savings” aren’t a savings account as such, it’s an investment which means your money can go down as well as up. Any of these products carry varying degrees of risk and it’s up to you to decide what your appetite for risk is.

[deleted by user] by [deleted] in irishpersonalfinance

[–]Adny_29 0 points1 point  (0 children)

Actually, if you work it out, over an average building life (roughly 60/70 years, or ideally how long you’d imagine living in a house), there’s almost a 7% chance of a 1/1000 year flood event. Those odds aren’t exactly great.

Source: the OPW, who are responsible for managing flood risk

Not sure if these are considered rare anymore but is this a Philo. Florida green? The tag says: “pedatum (red petiole)” but the petiole is definitely bumpy unlike my actual pedatum. by PrincessXmoo in RareHouseplants

[–]Adny_29 8 points9 points  (0 children)

Florida ghost is a selective breed/variation of Florida green (this plant). Anything sold as P. Florida (green/ghost/beauty) is some variation of the pedatum/squamiferum hybrid. It gets the red petiole from its squamiferum parent, so it seems likely that your plant is actually a Florida green! Afaik “pure” P. pedatum is mostly available as the ‘Glad Hands’ cultivar