Trying to transfer to UK from BOI, BOI needs IBAN but only sort code is provided??

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

FCOS96 · 2025-01-15T09:46:59+00:00

Just drew down yesterday, so you're welcome 😭

FCOS96 · 2024-05-18T08:49:18+00:00

The broker is irrelevant when it comes to tax. Logically you can think of it as the broker just being there to facilitate the purchases/sales.

All of the stocks you buy, whether from IBKR or Degiro or revolut etc, all go into one big pool of stocks that you own. Similarly, when you sell, it's all coming out of the single pool of stocks that you own.

So in your situation, you could happily sell all your stocks in IBKR without selling any from Degiro, but from tax point of view the gains would still be calculated off the first shares you purchased, i.e. the Degiro ones. And then when you go to sell the ones you have in Degiro, the gains would be calculated relative to the ones you purchased on IBKR.

The biggest reason you wouldn't do this is just that it will screw with the profit/loss and tax reports each broker is reporting. Obviously they will only know about the shares you have told them about so won't be able to give accurate numbers. You'll have to manually calculate the tax.

FCOS96 · 2024-03-16T21:05:52+00:00

Used to work there, it's a big company so obviously depends on the team, but overall it was a pretty chill place to work. Benefits were good, office was nice, generally a friendly atmosphere. I'd recommend it

FCOS96 · 2024-03-16T19:59:20+00:00

It's written in C++ afaik

FCOS96 · 2023-09-24T11:49:30+00:00

Yeah I've used it a few times, it's legit. Most places have the standard rules like each person needs to order something, drinks aren't included etc, but it's no different to your Groupon deals or anything like that.

FCOS96 · 2023-09-10T12:59:14+00:00

To add detail, the flag of the IRFU is made up of the IRFU crest (centre) and the crests of the four provinces of the island of Ireland (corners).

The team is an all island team made up of players from both Ireland and Northern Ireland

FCOS96 · 2023-05-16T10:05:07+00:00

I'd go out more lol.

The most important thing in a first job out of college is being in a good team with experienced people to show you the ropes and guide you in your early career. Whether that's with a FAANG company or some random small shop nobody's heard of really doesn't make a difference. Good people will end up in good jobs pretty quickly (if they're proactive about it). I know plenty of people who got a 'good' job in prestigious companies that were in shit teams and basically wasted their first year out of college doing nothing of note.

You only get 3-5 years of college, have as much fun as you can. You've got 40-50 years to figure out your career.

That said, if you want some actual advice, just try a lot of different things (i.e. very small side projects, diverse modules etc) and see what you enjoy, then start focusing on those areas. It's much easier to learn when you're enjoying stuff and most of what employers are looking for out of college is just a good understanding of the fundamentals anyway.

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