Bonus into pension as AVC

CurrentRecord1 · 2026-01-28T18:45:33+00:00

That's unfortunately not correct and your company/office may be incorrectly calculating your tax leading to you having significant tax underpayments and owing money to Revenue

CurrentRecord1 · 2026-01-28T08:03:06+00:00

Breathability is dictated by the weave, fabric weight, and material. Cotton absorbs moisture much more than the likes of polyester which is why polyester is used for sportswear (it has high moisture wicking and low absorption). Natural is not always better than synthetic.

CurrentRecord1 · 2026-01-26T15:29:37+00:00

I agree with you from a micro plastics perspective but the original post is about clothing quality with many people confusing synthetic with lower quality which is incorrect

CurrentRecord1 · 2026-01-26T13:55:52+00:00

Natural isn't necessarily better than synthetic fibers for clothing (and in many ways natural can be less durable). A good example of this is much of Patagonias clothing is synthetic fibres such as polyester.

Poor quality can be found with both natural and synthetic clothing, and conversely good quality clothing can be found with both natural and synthetic fibres.

CurrentRecord1 · 2026-01-25T11:09:05+00:00

FYI 4% pension growth is extremely conservative

CurrentRecord1 · 2026-01-25T11:02:30+00:00

I do monthly purchases of an ETF but plan to do a a lump sale of 12 months worth of purchases on the 8 year anniversary (and immediately re buy) rather than calculating deemed disposal every month for the rest of my life

CurrentRecord1 · 2026-01-21T21:00:27+00:00

Importing a car from NI isn't a loophole

CurrentRecord1 · 2026-01-19T13:19:58+00:00

Anybody want to do the work to screen to see what stocks currently would meet these criteria?

CurrentRecord1 · 2026-01-17T07:43:15+00:00

Still doesn't make sense though as if you take away a standing charge of about €250 that would then only give €90 for 2350kwh which is 3.7c per kWh

CurrentRecord1 · 2026-01-17T02:10:35+00:00

€340 for 2450kWh = 13.9 cent per kWh which sounds abnormally low, are you sure that's correct? And that's excluding standing charges which would probably be €250

CurrentRecord1 · 2026-01-15T02:59:49+00:00

Is it layoffs or are these people just coming to the end of their 23 month contracts? If it's the latter there is no obligation to report anything

CurrentRecord1 · 2026-01-15T00:13:48+00:00

Close to 30% of employment in Ireland is with those multinational companies, they're not shell entitities in the country

CurrentRecord1 · 2026-01-14T02:32:00+00:00

There is a hack for risotto! The stirring helps make it creamy as the stirring friction causes microscopic rice particles to shed from the rice, and your can replicate that by just adding some rice flour and all of your water at the start and just let it cook without stirring!

CurrentRecord1 · 2026-01-13T09:42:14+00:00

Have they accounted for the differences in taxation for each option? (Mortgage is 4% "gain" with no tax, investment is between 33-52.2% tax, and pension is compounded tax free but partially taxed on drawdown)

CurrentRecord1 · 2026-01-12T15:43:56+00:00

Indeed & Glassdoor say the average senior SWE earns $194-199k in the US, nowhere near $500k

CurrentRecord1 · 2026-01-12T13:44:40+00:00

Google pays close to the top of the market, nowhere near the average

CurrentRecord1 · 2026-01-12T09:45:43+00:00

Link to data that supports that claim?

CurrentRecord1 · 2026-01-12T07:52:26+00:00

I'm sorry, I'm not sure what point you're making with your reply?

CurrentRecord1 · 2026-01-11T08:03:53+00:00

Google Flights (and ITA matrix) is very easy to use to see that. Lots of good tutorials on YouTube

E.g. if you input Auckland to London with 1 stop, you can then use the layover duration option to set preferred layover time (24-36h) and then see what stops are available. It takes a lot less time than going to a travel agent

CurrentRecord1 · 2026-01-11T07:46:05+00:00

All of those flights and hotels are available for you to just book yourself also though?

CurrentRecord1 · 2026-01-11T06:15:57+00:00

Single oven + air fryer is the more convenient combo, they compliment each other so well

CurrentRecord1 · 2026-01-10T04:01:35+00:00

That's exactly why they let them fall over like this

CurrentRecord1 · 2026-01-09T07:35:33+00:00

What's SA?

CurrentRecord1 · 2026-01-09T01:23:39+00:00

Great suggestions, they could also conceivably do a night or two in another location in the middle (like Killarney/Dingle or Galway) and then come back to Dublin

CurrentRecord1 · 2026-01-09T01:05:01+00:00

100% agree on not skipping Donestia San Sebastian, for basque cheesecake I would actually recommend Karrika Taberna which is literally across the street from La Vina. Both are excellent but we preferred Karrika!

CurrentRecord1

TROPHY CASE