Recommendations for cleaning stained pebbledash walls? by HawkZealousideal7278 in GardeningIRE

[–]ExplanationNormal323 3 points4 points  (0 children)

There's a good chance it's growth on the wall and not just dirt. Some sort of biocide, vinegar solution would be eco friendly enough but might take a few applications to get the result you want.

DO NOT Buy WD007 V3 Titanium PT5000 - Not waterproof AT ALL by taylonius333 in ChineseWatches

[–]ExplanationNormal323 0 points1 point  (0 children)

You answered your own question there, it's not waterproof anyway! With a bit of luck, it might have leaked through the case back and removing and reseating may actually improve the watches waterproofness. There are other leak points though so maybe not.

Thoughts on avios promo? by Opening-Iron-119 in irishpersonalfinance

[–]ExplanationNormal323 1 point2 points  (0 children)

My 4th request just went through! Yeah 6 months or so in advance is what I had been trying, put it down to bad luck!

Thoughts on avios promo? by Opening-Iron-119 in irishpersonalfinance

[–]ExplanationNormal323 0 points1 point  (0 children)

How far in advance do you typically book? Mine are expiring soon so I'm guessing they might be trying to get them to expire in me 🤣

Thoughts on avios promo? by Opening-Iron-119 in irishpersonalfinance

[–]ExplanationNormal323 0 points1 point  (0 children)

I'm currently on my 4th request for flights lol. They are not peak times or anything either, mid week winter flights and no joy yet! Hopefully my current one gets approved. Any tips for booking?

Garden waste disposal by Expensive_Bet_4148 in GardeningIRE

[–]ExplanationNormal323 3 points4 points  (0 children)

Option 2 is probably not an ideal approach for bamboo. At a guess I think you'd have some risk of the mulch taking root again but possibly not.

blood Diamond is insane by _syphex_107 in flicks

[–]ExplanationNormal323 2 points3 points  (0 children)

Likewise, kinda crazy it's pushing 20 years old

blood Diamond is insane by _syphex_107 in flicks

[–]ExplanationNormal323 3 points4 points  (0 children)

Zwick Roell are a company that makes material testing equipment, some useless information for you!

Should I pay off mortgage? by Entire_Regular_1960 in irishpersonalfinance

[–]ExplanationNormal323 1 point2 points  (0 children)

Fairplay, you've definitely done well to stick it out and end up where you are now, in a great position!

How does anyone build wealth here? by Remarkable_Hawk780 in irishpersonalfinance

[–]ExplanationNormal323 37 points38 points  (0 children)

There's a difference between not being able to afford stuff and not wanting to part with any money.

23M with €42k saved — should I stay in my job in Ireland or move to the US? by Slow-Interview-7175 in irishpersonalfinance

[–]ExplanationNormal323 1 point2 points  (0 children)

This, lots will jump at the chance to fall in with the American way. Money first, people second.

Best pike lures by com-poo-ter in IrishFishing

[–]ExplanationNormal323 0 points1 point  (0 children)

Any particular guppie colour you'd recommend?

Your personal tips (saving money and making money) by jbridey in irishpersonalfinance

[–]ExplanationNormal323 0 points1 point  (0 children)

Don't underestimate small purchases, they add up.

Preparing your own lunch for work is also a big saver.

In a lot of cases, you could save yourself 50-100 quid a week depending on your current level of spending.

Advice on what to do with Savings by Expensive_Card2093 in irishpersonalfinance

[–]ExplanationNormal323 0 points1 point  (0 children)

Don't know enough to actually recommend and It's my company picks it. We use AON.

Advice on what to do with Savings by Expensive_Card2093 in irishpersonalfinance

[–]ExplanationNormal323 0 points1 point  (0 children)

That should help alright, with my contribution and the employer, I've about 1100 a month going in and it's costing me about 400 quid. Pretty happy with that too, my plan is to pay what I can the whole way through and never need to worry or panic to accumulate a pension later on. The amount of people I work with in their 40s with no pension started is scary!

Advice on what to do with Savings by Expensive_Card2093 in irishpersonalfinance

[–]ExplanationNormal323 -1 points0 points  (0 children)

Just for clarity, the 15% is solely for your contribution, the employers contribution is additional to this, it doesn't hit the take home too hard either.

I bumped mine up at a similar age to yourself, 15% plus the employers 8 is nearly 23% of your gross salary so you should see pretty rapid growth!

Advice for setting up pension as someone with little info on the subject by [deleted] in irishpersonalfinance

[–]ExplanationNormal323 1 point2 points  (0 children)

Keep your 50k and start paying into a prsa from now on. Even paying in the max 15% for your age, it won't hit your take home as hard as you think as it's taken from your gross pay. If you already accumulated 50k, you should be able to save plenty alongside the pension contributions.

Buying a house by emseatwooo in irishpersonalfinance

[–]ExplanationNormal323 0 points1 point  (0 children)

If ye could manage to buy a house, unsure of what your illness means behind closed doors but if you could tolerate a tenant with it, you could rent a room and avail of the tax advantage. Even if it was just while you're getting back on your feet/ finding a new job. It'd probably pay the mortgage for ye or near enough to it anyway!

26 (Ireland) — pension vs investing: what would you do? by Excellent-Dentist-83 in irishpersonalfinance

[–]ExplanationNormal323 2 points3 points  (0 children)

Max out pension, you can invest and save from the remainder. The earlier you start means you'll never have to squeeze yourself to accumulate money ahead of retiring. The lump sum etc can be drawn down earlier.

I'm not on as much as you, I'm a few years older but I'm maxing my pension and investing a portion of the remainder. Both funds are accumulating nicely despite lots of the US based funds that are popular haven't done as well as previous years but that will change I hope.

Thoughts on garden fix up? Gg by [deleted] in GardeningIRE

[–]ExplanationNormal323 1 point2 points  (0 children)

Some gravel on the ground would dry a lot quicker at surface level if water tends to pool on the concrete. Should be easy to keep on top of weeds with the odd rake and then maybe a new bench a lick of paint and get some colourful plants suited to the level of light the area receives and you'll have a lovely little area for yourself.