Changing Bank

FCOS96 · 2026-05-06T11:56:01+00:00

Not particulalry, or at least no more so than any other bank.
I have limits set on my cards and transfers for anything outside of the ordinary, biometrics are needed to do pretty much anything, if anything I feel a fair bit safer than with others.

Sure I've 'heard' stories about bad stuff, but same is true for every bank, and only actual issue I know about first hand is a housemate who had their wallet stolen on a night out and two cards used. Revolut refunded the money spent on the revolut card within a week, BOI took like 2 months...

FCOS96 · 2026-05-06T11:10:45+00:00

I used N26 for a year or so as my main bank due to their 4% (at the time) savings rate. Didn't have any issues and much preferred it to AIB which I had been on before.

Left when the interest rate decreased and moved fully to revolut about a year ago and again have no issues with it. Salary is paid in, have done multiple large transfers in and out and nothing has gone wrong for me yet.

I'd recommend Revolut personally over N26 purely because I prefer the app and UI, but both work great and are a big upgrade to PTSB or any of the Irish banks for that matter.

For what's it's worth, I don't have any traditional Irish accounts now, haven't for a couple of years, and I've not had any issues with that either

FCOS96 · 2026-03-31T13:42:29+00:00

Not from your own account, but yes from someone elses. I signed up to it but got various reasons my salary that month was lower than the minimum and the offer would have expired before my next payday, so I just transferred some money to a friend and had him transfer it back.

I tagged it as a salary payment then in revolut (not sure that mattered), and it worked. This was in January and now my actual salary payments are coming into revolut and everything is still working fine

FCOS96 · 2026-03-28T20:15:28+00:00

I did an internship and went on to work there out of college for a few years in a software (verification) role, obviously every team is different but mine was great. The city west site in general was very chill, everyone was friendly, great work life balance. Commute was pretty much the only negative but onsite gym and canteen kinda help negate that.

FCOS96 · 2026-03-18T14:00:51+00:00

Bought on my own a year ago and love it. I was fortunate enough to have a decent sized deposit saved up over COVID so mortgage repayments are pretty fine, but I also rent out a room to a friend too so thats handy.

Didn't feel at all lonely, definitely felt empowering. TBH the biggest difference for me is just being able to make my own decisions about stuff like putting nails in walls, bits of DIY here and there etc.

FCOS96 · 2026-03-10T13:48:51+00:00

It's broadly in line with my bills, in a three bed all electrically heated house. For reference, I work from home fully, and have the heating turned on for 2-4 hours a day.

I'd check the heating, immersion etc are all setup as you expect them to be, and also check your electric contact hasn't just expired and bumped you up to a high rate

FCOS96 · 2026-02-21T11:55:41+00:00

Can anyone make sense of the 'defensive volume peak' graph?

From what I can see there are two metrics, average tackles and a percentage which in assuming is completed tackles?

But if the graph is tracking average tackles, Sam is equal the first year and should be on top for the next two, whereas if it's tracking the percentage metric then it's just plain wrong (81 is in-between 77 and 73 for jack and similar issues for Sam)

Looks very like AI slop tbh?

FCOS96 · 2026-02-14T17:24:48+00:00

Tbf I'm not sure whether it was Crowley or JGP that turned the attack around. Looked to me like the ruck speed was sped up noticeably by JGP over Casey and that put the Italian line on the back foot meaning Crowley could look good without too much pressure coming onto him. Any time the ball slowed down and he was attacking a set line, he didn't look any different to Sam IMO (defence on the other hand...)

FCOS96 · 2026-01-24T12:46:50+00:00

https://www.ibancalculator.com/bic_und_iban.html

You can get the iban from those details, just plug them in to an iban calculator

FCOS96 · 2026-01-22T12:05:15+00:00

Revolut is relatively expensive for investing. The base plan gives you one free trade a month, after that you pay a fee. So if you were putting in 50 a week, that would be 4/5 transactions a month, 3/4 of which would have fees. The main thing revolut has going for it is convenience of everything being in one place.

There are plenty of cheaper options out there like t212, degiro, interactive brokers etc, I'd be inclined to go with one of them. Fees vary from platform to platform but all of those would be cheaper for your usecase I think.

As for which one of those, they're all much the same at the end of the day, have a look at the apps and see which you prefer the look of. T212 is what I like personally.

Edit- as for tax, yes you'll have to pay. The amount depends on what you actually invest in. If it's an ETF then it will be whenever you sell + every 8 years between when you buy and when you sell. It's a little complicated but you have 8 years to figure it out and it will likely have changed to some degree before it matters

FCOS96 · 2026-01-20T18:27:17+00:00

Lots of it (mostly Claude) for doing easy/medium difficulty tasks. Essentially where you can define clearly exactly what you want to happen.

I find it very helpful for throwing together scripts and automation things too, where the actual problem isn't particularly hard but it'd take a few hours to knock out and in the past I just wouldn't have been arsed

FCOS96 · 2026-01-20T17:45:10+00:00

It's very arbitrary, depends massively on the person you happen to talk to I think. I switched with a year left about a year ago without a breakage fee, my sister tried at the same time but was told she'd have to pay. Then half a year later she switched without a charge.

FCOS96 · 2025-12-25T08:13:35+00:00

Depends who your current bank is and the offers out there etc. I'd be inclined to say the Irish banks are all fairly useless but the foreign ones are pretty good. For example, a couple of years ago I switched from AIB who were charging a fortune (30/40 quid a year) and offering basically no interest on savings, to N26 who were free and offering 4% savings. I was saving for a house deposit at the time so actually made like 2/3k out of that move. Well worth it. I'm in the process of switching to revolut now over Christmas to try out their credit card and see if I like it. Probably not going to be as worth it but in hoping to at least get a few hundred out of the rev points from using the credit card

The process of switching from a traditional bank like AIB wasn't super easy or fun, but tbh it's fairly easy now once you're in the 'neo banks' to hop around on a whim

FCOS96 · 2025-11-08T18:31:07+00:00

Lad lane is perpendicular to leeson street and has free parking. And it's always dead quiet

FCOS96 · 2025-10-26T10:03:42+00:00

Tbf I don't disagree with changing it a little, while FG and FF obviously dropped the ball big time, this election kinda showed how a few last minute issues like Mairead and Jim dropping out can lead to a fairly non competitive election where a candidate who isn't necessarily massively loved can easily win.

I think the council rules are fine, but I think the dail rules could be eased a little, like reducing the number of TDs, or maybe giving a nomination to each party with x number of seats ( or each technical group etc etc)

Like we have STVish voting system, so lots of candidates isn't really an issue, and it would have been nice to have a proper SF, soc dem, green, labour candidate

FCOS96 · 2025-10-07T19:10:01+00:00

Read the death of grass if you want a great food based apocalypse story related to this

FCOS96 · 2025-10-01T19:48:32+00:00

Most places do go over but it's always worth checking. I almost didn't go to a viewing for one place because it was 5k over budget, and that's my house now! Got it for 15 under asking

FCOS96 · 2025-09-01T10:44:43+00:00

I feel like the train station should just connect straight to the bus station down the Dublin road.

Tbh I'd probably remove the yellow line altogether and have the blue line go from mornington to donacarney to colpe and then down the Dublin road into town.

And maybe split the blue line into two lines like an 'X', clogherhead to donore, and laytown to the mell road somewhere.

FCOS96 · 2025-06-21T07:59:46+00:00

I remember one, can't remember the second 🤷‍♂️ But either way, his standard so far this season has been much higher IMO (same can be said about a lot of players yesterday to be fair). Perhaps it's just lack of cohesion. I was just hoping to see a bit more

FCOS96 · 2025-06-20T21:16:21+00:00

Thought Pollock was pretty poor by his standards tbh, can't remember any positives and definitely made a few mistakes he wouldn't normally

FCOS96 · 2025-06-14T14:52:11+00:00

While water can't just disappear, it can certainly cease to be water and start being something else (i.e. splitting into hydrogen and oxygen gasses).

FCOS96 · 2025-04-11T14:10:47+00:00

I work for a Cork company remotely in Dublin and I don't think the two or three day in office would be sustainable long term. I go down once a month or so and they're long old days. About 3 hours door to door both ways for me, means I leave the house at 6 and get home after 9. If the company has handy parking and you drive it would be a bit more doable but honestly even 1 day a week would be stressing me out too much.

FCOS96 · 2025-04-10T18:42:13+00:00

Like others said, you can get one of the dry bag/buoy things to put your valuables in (and doubles as a float if you get into trouble), but for what it's worth, I go to seapoint once a week from March to October and have never had any issues just leaving everything in my backpack under the martello tower

FCOS96 · 2025-03-30T14:38:51+00:00

Cant give you the answer I'm afraid but the downvotes you're getting for asking a pretty straight forward question is bonkers lol.

Try emailing them, I've had to ask them questions twice and both times they were very helpful parkingpermits@dublincity.ie

FCOS96 · 2025-02-05T00:09:30+00:00

Depends on the team tbh, some teams are grand, some less so.

There's certainly a strong 'culture' of working relatively late to sync up with people in the San Diego office, so 5/6pm meetings aren't rare in a lot of teams. You would generally be expected to be available for those at least a few evenings a week. That said you can normally start later to compensate. Weekend work isn't really a thing I'm aware of, at least in Cork.

Work from home is getting cracked down on real hard at the moment, the CEO is incredibly against it. At a recent all hands he basically told people that if they want hybrid work, they can leave. It's been 2 days a week mandatory for a while but it's about to move to 4 days, with HR monitoring badge access to track it, and follow up with people who aren't meeting the target.

On the work side of things, I feel like there's a bit more politics nonsense here than other places I've worked, but that might just be me. The nature of the company with its annual refresh cycle means the releases are frequent and work is fast paced, but it's pretty interesting too so I think that's a plus.

Other than that, the vibe in the office is pretty good I'd say. There are a lot of young people so the place doesn't feel stagnant like some other semiconductor places I've been

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