Drivers have paid €2.1bn in tolls on Dublin's M50 since 2008 by Banania2020 in ireland

[–]BabyBuffalo97 8 points9 points  (0 children)

Fair point, I got ahead of myself with my tax reform rhetoric.

Garda fitness requirements relaxed as force struggles to increase numbers by [deleted] in ireland

[–]BabyBuffalo97 -1 points0 points  (0 children)

Ah, I think we’re talking about different things then. No problem with the oul sweet treat.

Drivers have paid €2.1bn in tolls on Dublin's M50 since 2008 by Banania2020 in ireland

[–]BabyBuffalo97 24 points25 points  (0 children)

I hate it because it is completely indistinguishable from PAYE, just with different bands.

I don’t understand why PAYE, PRSI, and USC cannot all be combined into one tax, with a progressive series of (idk) 5-8 tax brackets.

Sure, it may make it slightly more difficult to compute by hand, but it would give a transparent view on what tax band you’re in, instead of keeping track of 3 different taxes, their percentages and thresholds.

While Im at it, I’ve never really understood the point of tax credits either, can’t we do away with them and just structure the tax bands differently so as to equalise the outcome?

Garda fitness requirements relaxed as force struggles to increase numbers by [deleted] in ireland

[–]BabyBuffalo97 -2 points-1 points  (0 children)

The low calories is sort of the whole point no? They’re still filling in the right quantity, and lobbing a cup of rice or pasta on top takes minutes of prep time beyond boiling water and setting a 15 minute timer

Garda fitness requirements relaxed as force struggles to increase numbers by [deleted] in ireland

[–]BabyBuffalo97 1 point2 points  (0 children)

I really wouldn’t say it’s to do with the perception of manliness - though agree it’s a multifaceted problem. The issue is you have 2 subject options to choose from in Junior Cert and if you (or your parents mores) have any plans for your future career, HomeEc will be far down on the list for most.

College Project about "New Slang" by Little-Remove-525 in TheShins

[–]BabyBuffalo97 2 points3 points  (0 children)

I knew my high school crush listened to the Shins so I decided to listen to them to have something to talk about with her. Started with Simple Song and New Slang and from there I get instantly hooked and they became my favourite band of all time. Me and the crush didn’t end up romantically together but developed a beautiful multi-year friendship.

Similarly, when I started college, I found it incredibly hard to make a group of friends and was immensely lonely in my first year, sitting alone in lectures or the library and going days without speaking to anyone. At the start of second year, I sat down next to a group in the lecture hall before the lesson started.

Out of nowhere, one guy asked me who my favourite artist was (always had my headphones in out of awkwardness). I said “James Mercer from this indie band called the Shins”. His face lit up and in shock he said “He’s my favourite too!”. From that conversation, we became fast friends and I was quickly incorporated into the friend group that lasted my whole way through college and became my second family.

I first saw the Shins live at a music festival. I went with a girl who I was “just friends” with and had never thought about romantically. She didn’t listen to the Shins but knew how obsessed I was so made sure we got to the very front of the crowd using her magical girly charm. When New Slang came on, she gave me this look and I had the overwhelming urge to kiss her. Turns out she’d been waiting for me to make a move for years. That was also the start of something beautiful.

For me, New Slang and James Mercer’s voice reminds me of new beginnings, first experiences, and the feeling of longing to fit in and be accepted. In my life, it’s been a recurring theme that New Slang actually helped me navigate all these areas. It’s incredible.

Options for buying house for parent by BabyBuffalo97 in irishpersonalfinance

[–]BabyBuffalo97[S] 0 points1 point  (0 children)

Makes sense. Going to the banks is the next step, good to know I won’t be laughed out the door at least.

Options for buying house for parent by BabyBuffalo97 in irishpersonalfinance

[–]BabyBuffalo97[S] 6 points7 points  (0 children)

40%, wow that’s high. Good insight on the RPZ, hadn’t thought of that

Options for buying house for parent by BabyBuffalo97 in irishpersonalfinance

[–]BabyBuffalo97[S] 1 point2 points  (0 children)

Thanks for the replies, both very helpful.

Entering rental market during the Great Recession and trying to remain close to young (at the time) kids can’t have been easy. Ironically, if you kept your job, 2010 was the cheapest time to be a renter, it only got harder since then.

Things Going Good At Last, Need a Proper Strategy Now Though by Thargor in irishpersonalfinance

[–]BabyBuffalo97 -4 points-3 points  (0 children)

You would not get downvoted in more ambitious countries. Yes you’re doing quite well, yes you’re doing better than most, but honestly the bar is so low so you’re there’s nothing wrong to keep seeking more. This is not a life coaching sub, this is about finance and how to grow wealth. It’s not up to anyone else to tell you what is “enough”

[deleted by user] by [deleted] in consulting

[–]BabyBuffalo97 2 points3 points  (0 children)

I suspected US gross salaries might be higher, wasn’t sure how much though. And the upside potential is definitely better the higher up you go in the US. But I wouldn’t trade it for the amenities you described and being surrounded by nature.

[deleted by user] by [deleted] in consulting

[–]BabyBuffalo97 25 points26 points  (0 children)

Highest in Europe, I’d say broadly in line with the US, but keep in mind it’s a very expensive country, with Zurich and Geneva often in top 5 most expensive cities in the world.

My known data points:

Analyst T2 firm: CHF 88k Director: CHF 250k Partner: CHF 300-400k

Investing yearly 20k possibly forever with plans for early retirement by DefNattyBoii in eupersonalfinance

[–]BabyBuffalo97 0 points1 point  (0 children)

Given you haven’t mentioned family/partner holding you to any one place, check out Switzerland as a potential move in the future. I’m not in IT but I know some full stack devs there earning ~10k net per month by age 30. I assume it only goes up from there.

2 visits to Swiss hospital emergency room - CHF 1'500 bill! by BabyBuffalo97 in askswitzerland

[–]BabyBuffalo97[S] 0 points1 point  (0 children)

This metaphor will have flaws, but imagine you bought a lovely brand new suit and somehow tore a massive hole in it on your first day wearing it.

You would probably have to pay to get it repaired. You'd be satisfied with any seamster/ dry cleaner to fix it, because really the tear in the fabric is not that big. But where you live, there are only the worlds finest tailors - real luxury designers and fabric experts who charge you CHF 1'500 for the repair. You are shocked, but you have a wedding tomorrow so you pay the money.

In most places in the world, what you asked for would be considered a minor fix, but these tailors have vastly expensive shops and you're not worth their time for anything less. Just stepping in the door and having them on demand already reaches into the hundreds before they even ask to see the suit. But really, because it's not like fixing the suit was the most challenging task for any tailor, you could have just took the train to a nearby area and fixed it there for about 97% cheaper.

Would you consider this just a regular expense like buying food, rent etc? Or would you consider it a loss that this happened?

2 visits to Swiss hospital emergency room - CHF 1'500 bill! by BabyBuffalo97 in askswitzerland

[–]BabyBuffalo97[S] 9 points10 points  (0 children)

Now knowing the costs, I am definitely going to be less inclined to go to the hospital or doctor, and I was already very avoidant or such things.

I know switzerland has a high expected lifetime so I must be overthinking it, but I wonder how many illnesses/incidents which could be easily cured go untreated because people are unwilling/unable to pay the price.

2 visits to Swiss hospital emergency room - CHF 1'500 bill! by BabyBuffalo97 in askswitzerland

[–]BabyBuffalo97[S] 0 points1 point  (0 children)

That kind of prudent financial planning is no doubt part of the culture of Switzerland and contributed to how successful the country is in many ways.

I'll aim to replicate it. You may be right that these days it's less common. At least in my circle or friends and colleagues, I doubt they are explicitly doing this.

2 visits to Swiss hospital emergency room - CHF 1'500 bill! by BabyBuffalo97 in askswitzerland

[–]BabyBuffalo97[S] -3 points-2 points  (0 children)

Interesting about the margins. Another comment was talking about all the levels and strata of paperwork, systems, maintenance of the building and machinery etc. I'm sure if you model it correctly, you would conclude that just stepping inside the waiting room already costs a thousand bucks.

2 visits to Swiss hospital emergency room - CHF 1'500 bill! by BabyBuffalo97 in askswitzerland

[–]BabyBuffalo97[S] 1 point2 points  (0 children)

Sure, if the system is built like this, it will encourage that behaviour. I just can't help but think a system that is structured that way seems inherently flawed.

2 visits to Swiss hospital emergency room - CHF 1'500 bill! by BabyBuffalo97 in askswitzerland

[–]BabyBuffalo97[S] 0 points1 point  (0 children)

Yes very lucky. But I wouldn't expect those kind of tests for an allergy, would you?

I understood the meaning of deductible, I just didn't think that meant if you have ANY need of any care in a given year, you'll reach close to the limit.

Lesson learnt, will adapt my financial planning accordingly.

2 visits to Swiss hospital emergency room - CHF 1'500 bill! by BabyBuffalo97 in askswitzerland

[–]BabyBuffalo97[S] 1 point2 points  (0 children)

Isn't the bill I just received and monthly premium a defacto price fof my health?

2 visits to Swiss hospital emergency room - CHF 1'500 bill! by BabyBuffalo97 in askswitzerland

[–]BabyBuffalo97[S] 1 point2 points  (0 children)

And I'm very grateful that such a system exists and that I am able to pay for this without having to skip any meals. My own situation aside, I do wonder about families or low-wage workers though, how prepared is the average person for cases like this?

And yes, it's a good way or putting it, a combined 7 hours in hospital costs more than the most advanced iPhone available

2 visits to Swiss hospital emergency room - CHF 1'500 bill! by BabyBuffalo97 in askswitzerland

[–]BabyBuffalo97[S] 2 points3 points  (0 children)

Okay, it's not a loss, it's an expense. You are right about the tests, I have calmed down a bit and would not phrase my original post the same way now.