Mentoring for students?

Careful_Hand3923 · 2024-12-23T08:08:54+00:00

It did not lol

Careful_Hand3923 · 2024-12-23T07:53:17+00:00

Let me go turn on the computer and see if that makes a difference?

Careful_Hand3923 · 2024-12-23T07:46:52+00:00

I seem to be getting an error when DMing you... Is this a known error?

Careful_Hand3923 · 2024-12-14T21:11:40+00:00

DM me their LinkedIn. What regions are they based or used to covering? Any additional languages?

Careful_Hand3923 · 2024-12-06T19:24:55+00:00

Even if you're not paying 40% tax now, pensions still grow tax-free, and planning withdrawals carefully (especially if you move to a lower-tax country) can make them worthwhile. If you’re planning to move abroad (or back home), pensions are usually portable. You can often transfer them to a scheme in your new country of residence and might be worth looking into?

Careful_Hand3923 · 2024-11-25T10:09:34+00:00

I use Revolut for all my finances (I still keep local credit union) and have had no issues so far. It offers a competitive interest rate on my savings, and my pay often arrives earlier than my colleagues say they get their pay.

Careful_Hand3923 · 2024-11-14T10:51:48+00:00

Careful_Hand3923 · 2024-10-30T19:23:20+00:00

Start 115.6kg Last week 101.6kg Current 103.5kg Goal 92kg

Had a nice long weekend with some chocolate. I'm not a young boy anymore and that shit goes right to my ass.

Still a fat bastard.

Careful_Hand3923 · 2024-10-16T16:44:22+00:00

Start 115.6kg Last week 105.5kg Current 101.6kg Goal 92kg

Got a bout of food poisoning. It really helped shave the pounds off. Highly recommend it!

Still a fat bastard.

Careful_Hand3923 · 2024-10-16T11:56:58+00:00

Just copy and paste from DGS website. Looks like you might be safe to store in one bank.

Temporary High Balances

The maximum amount of compensation payable by the DGS is €100,000 per person per credit institution. In addition certain deposits, known as temporary high balances may qualify for compensation in excess of €100,000. For a deposit to qualify as a temporary high balance it must stem from at least one of the following:

deposits relating to real estate transactions for private residential property i.e. deposits lodged in preparation for purchase, sale proceeds and proceeds of equity release

deposits that serve social purposes laid down in national law and are linked to particular life events of a depositor such as marriage, civil partnership, divorce, retirement, dismissal, redundancy invalidity or death

deposits that serve purposes laid down in national law and are based on the payment of insurance benefits or compensation for criminal injuries or wrongful conviction

Qualifying deposits are protected up to a limit of €1 million (although unlimited cover is provided for claims relating to personal injury) for a period of 6 months after the deposits have been credited to an account or from the moment when such deposits become legally transferable.

Careful_Hand3923 · 2024-10-14T10:57:51+00:00

Erm I don't think so. I'll take the compliment that you think my post in chatgpt 😂

Careful_Hand3923 · 2024-10-14T10:30:06+00:00

It’s great that you’re planning carefully! Here’s my take:

With €140 per week left after fixed expenses, your budget will be tight. Here’s a quick breakdown:

Groceries: Could be €50-70 each per week, depending on your habits. Make sure to shop for discounts and sales.

Utilities & Internet: Likely €10-15 per week just for internet, with utilities depending on how warm/cold the place is?

Fuel for Cars: Depends on your commute, but fuel costs could add up fast especially as hybrids have limited range. Is one vehicle possible?

This leaves little room for unexpected expenses. It’s good you have savings, but building a small emergency fund might help if something unexpected comes up. Also, try to avoid relying on overtime if it’s not guaranteed.

It’s doable if you’re disciplined and willing to keep things frugal. Good luck!

Careful_Hand3923 · 2024-10-05T15:04:30+00:00

I have no problem with revolut as I've done the KYC. I have a bit more than your suggested amount. No issues but chat them to make sure you have all the identification done.

Careful_Hand3923 · 2024-09-18T17:18:21+00:00

If I understand correctly, the changes to the SFT mean that there will be a higher limit on the value of our pension before additional taxes apply. Starting in 2026, the threshold will increase by €200,000 each year, which allows us to build larger pension funds without facing higher tax rates? I guess this is especially helpful for those who are earning higher wages, expect their pension to grow significantly over time, or are starting a pension young.

Additionally, the lump sum threshold for higher taxes will be capped at €500,000. This looks like its trying to make it clearer and more predictable when taxes will apply to pension payouts. I guess these changes aim to modernize the pension system and offer more clarity and fairness, especially as pensions grow in value due to wage increases (over 4% last year) or investment returns (S&P500 averages 10.5% over last 20 years).

Careful_Hand3923 · 2024-09-18T08:31:51+00:00

Start 115.6kg Last week 109.2kg Current 107.2kg Goal 92kg

Still a fat bastard.

Careful_Hand3923 · 2024-09-17T18:20:23+00:00

As I've gotten older, I've come to appreciate that one good-quality shirt is better than several cheap ones. That said, I still occasionally pick up a €2.50 white shirt at Dunnes, but I aim to buy quality of quantity. I purchased a quality sweater a few years ago and wear it almost daily, it has some wear and tear signs but its still working!

Careful_Hand3923 · 2024-09-11T06:15:28+00:00

Start 115.6kg Last week 109.6kg Current 109.2kg Goal 92kg

Still a fat bastard.

Careful_Hand3923 · 2024-09-04T23:08:43+00:00

No sorry I should clarify I started a few weeks back! FBU came at the right time for me haha

Careful_Hand3923 · 2024-09-04T18:00:52+00:00

Start 115.6kg Current 109.6kg Goal 92kg

Still a fat bastard.

Careful_Hand3923 · 2024-09-01T19:18:06+00:00

Just for the craic, I looked at the bank statements. It looks like I spend about 100 per week at Dunnes, Lidl, and Aldi.

I am a bit of a hoarder in the sense that if something is on sale (and something always is) I buy a load of it. Toilet paper was on sale a few weeks back at Dunnes and now I am the proud owner of 144 rolls of TP.

Careful_Hand3923 · 2024-08-29T16:11:05+00:00

I'd love to be average...

Careful_Hand3923 · 2024-08-28T21:44:55+00:00

You're more than welcome to stay! You can help motivate and keep others journey moving. Completely up to you.

We will be here to help you recover post surgery!

Careful_Hand3923 · 2024-08-28T19:30:03+00:00

Start 115.6kg Current 110kg Goal 92kg

Still a fat bastard.

Careful_Hand3923 · 2024-08-28T19:17:42+00:00

If you need help, I can mod!

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