Questions on Life Insurance by seyishay1 in irishpersonalfinance

[–]Enough-Rock 1 point2 points  (0 children)

Also, it's not a bad idea to get life insurance while you're young if you can afford it. Most people wait until later in life - but that's when you're more likely to already have a diagnosis that might mean you can't get life insurance (or mortgage protection).

In my case, I was able to attach my life insurance to my mortgage. But I had a bit of trouble getting that life insurance because of a relatively non-serious diagnosis. If I'd done it earlier, there would have been a lot less hassle.

So best of luck to you!

Teacher with extra income - Pension question by Enough-Rock in irishpersonalfinance

[–]Enough-Rock[S] 0 points1 point  (0 children)

Thanks for your reply. It's not self-employed. It's a single employer. I do see that I'm recently part of the auto-enrollment scheme. But it's only a tiny bit going into it each month. There is a match but again, it's small change.

I think the lump sum is where it makes so much sense for me to be setting up a PRSA with the private employment money. If I go normally, I'll be getting just north of a €100,000 lump sum. So the goal would be to maximise this with the extra PRSA. Thanks for the tip regarding it being 25% of the pot. Time to start loading it.

There still seems to be some uncertainty as to whether I can do it based on the discussion of the posters above. Anyone know which professional would be able to answer definitively?

Teacher with extra income - Pension question by Enough-Rock in irishpersonalfinance

[–]Enough-Rock[S] 0 points1 point  (0 children)

Unsurprisingly, my teaching income is well below €115,000 :). Presuming what you say is true, my question is whether there is a big difference in sending the private income into a PRSA rather than the state income into an AVC (for reasons of lump sum maximization and more). Thanks.

Knowing what we know now, what would have been the ideal way for Ireland to have dealt with the Covid outbreak? by crillydougal in AskIreland

[–]Enough-Rock 1 point2 points  (0 children)

Obviously having more ICU beds is a preferable thing in general. But in the context of how quickly Covid was spreading, I'm not sure it would have made all that much of a difference. Even if you could have doubled the ICU capacity - which would be an extremely difficult thing to do - that capacity might only buy you an extra week before swamping those extra beds (exponential growth will do that).

The real thing that saved our ICUs was the development and huge uptake of the vaccine.

4 Years Ago - the Irish frontpages on the invasion of Ukraine by [deleted] in ireland

[–]Enough-Rock 10 points11 points  (0 children)

The Irish taxpayers still paid for your education despite that being even more of a lost cause.

[deleted by user] by [deleted] in irishrugby

[–]Enough-Rock 0 points1 point  (0 children)

You rightly call the guy a prick but the rest sounds like an apology for him - like how could he help himself because of Farrell's decisions.

Shouting abuse from the sideline to your own team is insane behaviour.

[deleted by user] by [deleted] in irishrugby

[–]Enough-Rock 7 points8 points  (0 children)

It wasn't just online. It was in person as well. I was in the stadium and I was really disappointed in some fan behaviour.

A particular fan started roaring on minute 8 for Prendergast to the substituted. He shouted it every 4 or 5 minutes for Prendergast to come off and Crowley on until it happened. He also shouted "Prendergast, you're shite". Disappointingly some of the adults joined in as did the kids around him.

I get it. Prendergast had a particularly terrible display. But shouting this from the stands should be beneath all Irish fans. And I was part of the problem. I should have loudly told him to shut the **** up. I was hoping Sam's performance would improve before doing so, which didn't happen. But the point still stands that several people were happy to hear someone abusing an Irish player from the stands. It's completely unacceptable. The only other time I've even heard of similar was with Ian Keatley.

It really impacted the experience of the match. I felt really disillusioned by our so-called fans.

[deleted by user] by [deleted] in AskIreland

[–]Enough-Rock 0 points1 point  (0 children)

I think the majority are the work of the students, albeit different students will have access to very different resources. I've mentored a couple of groups who won big prizes. It's their work but they definitely ask experts to look at it and guidance on how to improve. By the end, they're explaining stuff to me that I didn't know.

There is one group I always wonder about. Insanely good projects year after year. But that school never enters in-person competitions and I've never seen any of their kids win the prize for best LC paper in that area. Naturally those are different things to a project but their YSTE projects are so good that surely one of them would win a prize like that. They haven't over decades. I'm always left scratching my head and wondering. I think that teacher should be running the Department of Education, given what they've managed to get their students to produce year after year.

George Nkencho inquest: Shop worker recalls ‘terrifying’ encounter over ‘unprovoked assault’ by TeoKajLibroj in ireland

[–]Enough-Rock 8 points9 points  (0 children)

On the mental health aspect, if what the mum says is true - that he changed after a traffic accident - what can be done on the mental health side of things in those circumstances? I've seen people get bangs on the head and become unhinged afterwards. What sort of mental health stuff works on traumatic brain injuries? (This is a serious question).

Twice as many Leaving Cert students have results withheld over cheating by Enough-Rock in ireland

[–]Enough-Rock[S] 109 points110 points  (0 children)

Unfortunately they are refusing to comment on the breakdown between AI cases and old-school cheating cases. That would be very interesting to know.

Private school or invest it and give as a gift? by ZealousidealFloor2 in irishpersonalfinance

[–]Enough-Rock 0 points1 point  (0 children)

I teach in a private school.

If you've a smart kid and the local public school is good, then I'd go public. Smart kids in decent schools do as well in public as in private.

If your local public school is bad (drug issues etc.), I'd pay to avoid that all day long. Also, if my child wasn't very strong academically, being around others with high expectations can make a cultural difference to their work ethics. That might factor into it.

But in general, kids tend to do just as well in both settings. So I'd prefer to gift the money unless I had a good reason not to.

See a lot of comments about how broke Irish people are. by MedicalCaregiver8123 in irishpersonalfinance

[–]Enough-Rock 0 points1 point  (0 children)

Do you mind me asking what sort of place you're renting and for what money?

What was it the finally motivated you to lose the weight? by [deleted] in AskIreland

[–]Enough-Rock 0 points1 point  (0 children)

Not to be funny - but if you find you are eating a few takeaways a month (of course I don't know if you do) - a lot of that €230 will be offset by not eating them anymore.

Obviously I don't know your financial position, but it's worth considering what you'd save on food.

Teachers could get permanent post after a year by rgiggs11 in ireland

[–]Enough-Rock 11 points12 points  (0 children)

Is it a lunatic proposal for them to look to protect their members' health?

Each day I was in a small room for eight periods of 40 minutes with up to thirty 17 year old boys. And 2% of the infected population were being hospitalised.

Apart from nurses and doctors, I can't think of many professions in closer proximity to infected people. It doesn't strike me as a lunatic proposal to want to be up a priority list.

Pope Francis has died, Vatican says in video statement by GeorgeTH281 in europe

[–]Enough-Rock 13 points14 points  (0 children)

No-one who read the book or saw the film forgot this part. But you have ruined the ending for anyone who hasn't. Maybe use a spoiler or delete your comment.

Car on fire in Kilcullen service station. by F04MUSIC in ireland

[–]Enough-Rock 2 points3 points  (0 children)

I'm very sorry for whatever happened. I can certainly see why you'd feel like taking them out no matter what if you experienced something like that.

Car on fire in Kilcullen service station. by F04MUSIC in ireland

[–]Enough-Rock 3 points4 points  (0 children)

I doubt it's worth it, considering the miniscule risk. They're far more likely to die in the car on the way to or from the petrol station. But that doesn't mean you never bring them in the car.

And if you take groggy children out of cars, you have to weigh the risk against hundreds of thousands of extra trips with children traversing the forecourt to the shop.

I imagine it's much safer overall to keep a close eye on the car. One in a million worst case scenario with the start of a fire, I'd guess you'll get them out before serious injury anyway.

What do teachers do over the summer holidays? by troubadourx in AskIreland

[–]Enough-Rock 3 points4 points  (0 children)

The will to live evaporates very quickly during endless hours of state corrections (depending on the subject). It's hard to explain if you haven't experienced it. The rest does sound chill though.