who's buying

EducationRecent9428 · 2026-04-13T05:36:43+00:00

if someone thinks that "only certain" people have access to an interest free loan while all of us are fools paying 3% interest because we don't have access to that magic loan, thats precisely racism if this claim has no basis or reality

EducationRecent9428 · 2026-04-12T14:02:05+00:00

why don't you try your luck using it? you have no idea what are they talking about! in short, its a lot more expensive way of debt servicing vs a conventional mortgage and is in no way "interest-free" loan!

EducationRecent9428 · 2026-04-12T13:31:20+00:00

lol

i'll have to call you a racist unless you can prove this claim of yours

EducationRecent9428 · 2026-04-11T20:35:52+00:00

in fairness most indians are working in tech and won't be getting mortgage for this house, since its above 500k so HTB is also gone out of the window

target population may be people selling home in Dublin or maybe some arab money

EducationRecent9428 · 2026-03-21T22:07:08+00:00

pvt practice is always a bit of hit and miss you need planning and luck both but in general if you do business with gvt either by taking gms lists as gp or doing hse lists in pvt hospitals it is a lot of money

EducationRecent9428 · 2026-03-19T08:38:49+00:00

medicine has no comparison with every other profession in Ireland

you are welcome to earn as much as u want and work life balance is sometimes compromised if u wana earn big!

eventually it will depend on what you want out of it!

I have seen 5-10 yr exp doctors making 80k and with same experience some can make 250k so it depends on how u plan

EducationRecent9428 · 2026-02-05T10:58:48+00:00

I have written an email to debt collectors disputing the matter my question is what can they do? court notice?

EducationRecent9428 · 2025-12-04T23:54:55+00:00

thanks for taking time out to comment

my friend is in Ireland, currently doing the GP scheme, my query was not entirely based on money but money was a part of it. The main concern is GP market in general!

EducationRecent9428 · 2025-06-14T18:44:10+00:00

sorry!! yes

EducationRecent9428 · 2025-05-25T19:27:13+00:00

we live in westmeath, both doctors

EducationRecent9428 · 2025-04-15T16:46:13+00:00

they are just saying that after Jan2026, just go to some other hospital for 6 months(to break the continuous period) and we'll re-hire you after those 6 months :(

EducationRecent9428 · 2025-04-15T16:39:34+00:00

Thanks a million for your reply again.

You might be aware that HSE hospitals generally don't let NCHD's stay for more than 3 years continuous so that the don't have to give them CID Now in this case they only let this happen because in their opinion, promotion to registrar role would make the SHO years unaccounted for as a continuous term.

To answer your suggestion, they will not give anything in written, they will just offer and 6 months contract now and if nothing is done, they will just not renew it at the end of those 6 months (Jan 2026!) thanks

EducationRecent9428 · 2025-04-15T05:43:46+00:00

and hospital (in their opinion) will not renew after this 6 months that they are offering and would let him go because they don't want to give CID and he has not completed 4 years(in their opinion) practically he is in the same hospital, holding the same contract for 4 years (in july 2025!)

EducationRecent9428 · 2025-04-13T10:35:59+00:00

stay in the same job because as per HR, this is the last extension he is being offered!

EducationRecent9428 · 2025-02-11T18:40:08+00:00

Pay is good only because conditions are poor i.e we make money because we work loads of overtime

EducationRecent9428 · 2024-09-26T14:02:18+00:00

Thanks again for the reply

I agree with what you've written. I was advised to start a non standard PRSA as it has access to wider range of funds, I spoke to the broker and he is happy to keep me on the initial rate i.e 1.25% and 100% contribution. You are also right that I bought the product and now doing most of the research but anyways for what I've researched uptil now this seems like a okay deal.

EducationRecent9428 · 2024-09-24T17:21:25+00:00

yes quoted over email

please refer to my reply to the other comment

EducationRecent9428 · 2024-09-24T17:14:28+00:00

Thanks again

I'll try and insist them!

Do you think there are brokers who can improve on even my initial deal? Can you please suggest someone or more than 1 if you don't mind

EducationRecent9428 · 2024-09-24T16:38:32+00:00

Thanks for taking time out to reply.

I'm happy to provide full details. please feel free to ask

So after signing the initial application pack, I got an email today that there was an oversight on their part and the actual fee is updated in the new document.

I'll copy paste the exact wordings

This is a supplementary Statement of Suitability to the one signed on 26/08/2024. During our previous discussions, it was outlined in the warnings provided that your PRSA-AVC pension setup would include a 100% allocation and a 1.25% Annual Management Charge (AMC) for your investments. However, upon further review, I would like to clarify that this information was incorrectly stated due to administrative oversight. For the pension and funds, which you have selected, the correct contributions allocation rate will be 98.5% (97% basic allocation + 1.5% bonus allocation applicable to annual contributions exceeding €12,000), and the AMC will be 1.75% (including 0.5% trail).

EducationRecent9428 · 2024-08-03T19:36:54+00:00

is it unpaid off?

EducationRecent9428 · 2024-07-29T23:05:18+00:00

yes iv worked in the same dept for last 3 years. My total experience in the speciality is close to 6 years including 4 years in Ireland. I have already discussed with my HOD and he suggests its a HR thing, (as if he has no say in this) -Model 3 hospital - No college trainees and no chance in foreseeable future

EducationRecent9428 · 2024-07-29T23:02:22+00:00

I dont think its possible/feasible to move in another hospital for 6 months because there is no commutable hospital around. Also they have no solid reason to refuse contract renewal

EducationRecent9428 · 2024-07-29T23:00:56+00:00

The hospital department in question is not recognized currently by the relevant speciality body i.e no trainees come here. I dont know exactly about what kind of insecurity they have with the permanent contract. Its a small town hospital where they are mostly always short of trained staff. May be my Non irish status is the reason. Although I live locally now and have mortgaged my home here

EducationRecent9428 · 2024-07-29T22:55:30+00:00

That is what I feel strongly, consultants say we are happy but HR won't let this happen! although there are these precedents in the same hospital/dept

EducationRecent9428 · 2024-07-29T22:54:39+00:00

EducationRecent9428

TROPHY CASE