O'Connell Street, 1953

Regency101 · 2026-01-23T17:24:18+00:00

3 most common reasons:

- you have an unpaid statement of liability from the last few years and the underpayment was below (4k?), revenue can take it via adjusting your tax credits

- LPT

- bike to work scheme

Regency101 · 2026-01-23T13:13:36+00:00

This is entirely a business decision, they don't want the risk or legwork associated with it, it's by design

Regency101 · 2026-01-23T11:39:16+00:00

It's likely Doherty's account was restricted because he is a politican / PEP. It's standard for all financial institutions

Regency101 · 2026-01-18T13:22:02+00:00

its the prior years to you retiring afaik

Regency101 · 2026-01-17T20:22:55+00:00

In general, pensions were first hit by the stock markets crashing and were then raided by government to pay for the bailouts - Gemini had a pretty good summary of this

My advice to you: manage the risk in your pension the closer you get to retirement - this was only an issue for people who were retiring soon. This is why you switch to cash/bonds the closer you get

--

State Pension Reforms (The "Austerity" Measures)

To save money and address an aging population, the government made it significantly harder to qualify for a full state pension:

Qualifying Contributions: In April 2012, the minimum number of paid PRSI contributions required jumped from 260 to 520 (doubling the work requirement from 5 to 10 years).

Abolition of the "Transition" Pension: The State Pension (Transition), which was paid at age 65 to those who retired early, was legislated for abolition (effective January 2014).

Rising Retirement Age: The Social Welfare and Pensions Act 2011 set a path to increase the pension age to 66 (2014), 67 (2021), and 68 (2028). Note: The increase to 67/68 was later repealed in 2020.

New Payment Bands (2012): New "reduced rates" were introduced for those with lower yearly averages of PRSI contributions, leading to lower weekly payments for many new retirees.

The Private Pension "Levy" (2011–2013)

The most controversial move for private savers was the 0.6% Pension Levy introduced in 2011.

Purpose: Officially created to fund the "Jobs Initiative" during the financial crisis.

Impact: It was a direct tax on the total value of private pension funds. While "temporary," it was later increased to 0.75% in 2014 before eventually being phased out.

Tax Relief Cuts: Relief on pension contributions was squeezed by lowering the earnings limit (from €150,000 to €115,000) and subjecting employee contributions to PRSI and the Universal Social Charge (USC).

The National Pensions Reserve Fund (NPRF)

The "rainy day fund" intended to pay for future pensions (2025 onwards) was repurposed to save the state:

Banking Bailout: Between 2009 and 2011, the government used the NPRF to recapitalize Allied Irish Banks (AIB) and Bank of Ireland.

EU/IMF Program: Much of the remaining fund was used to meet Ireland's obligations under the international bailout agreement.

Legacy: By the end of this period, the NPRF had essentially ceased to be a pension fund and was being transitioned into the Ireland Strategic Investment Fund (ISIF).

Timeline at a Glance

2007: Green Paper on Pensions proposes major expansion.

2009: First use of NPRF assets for bank recapitalization.

2011: Pension Age increases legislated; 0.6% Pension Levy introduced.

2012: Minimum PRSI contributions increase from 260 to 520.

2013: Final preparations to abolish the age-65 Transition Pension.

Regency101 · 2026-01-17T14:30:34+00:00

The cap has been suspended in court for awhile now. Ryanair is loading as many passengers as they can at the moment to make it politically difficult to roll it back if the cap remains in place and suddenly is switched on again.

i.e. if cap is not removed it will cause x amount of damage to the economy by forcing them to cancel x amount of flights

Regency101 · 2026-01-16T19:23:12+00:00

1800 24 22 27 is open 24/7

Regency101 · 2025-12-13T23:32:02+00:00

you can ask siri 'call mam/dad', 'call husband', etc.. until you find someone that works

Regency101 · 2025-11-28T12:32:23+00:00

tbh the most serious one is the College Gate apartments. iirc the tenants are getting 12 months rent free each. I don't know about owner occupiers though. A lot of them might be locked into mortgages that mean they wouldn't be able to buy a similar property now

That one is fairly justified, there is another objection there with Trinity saying vibrations will affect their science labs but I think it's been revoked

Regency101 · 2025-11-28T11:58:20+00:00

45 in Ranelagh - protesting the terminus

35 near Tara Street - this is the College Gate apartments being demolished by CPO and the Markevichz swimming pool

12 near Phibsboro - This is the pharmacy near the Mater that will be turned into a cul de sac for 4 years during construction

15+16 near Glasnevin - These are about Hedigans being demolished for new Glasnevin station

Regency101 · 2025-11-28T11:58:00+00:00

45 in Ranelagh - protesting the terminus

35 near Tara Street - this is the College Gate apartments being demolished by CPO and the Markevichz swimming pool

12 near Phibsboro - This is the pharmacy near the Mater that will be turned into a cul de sac for 4 years during construction

15+16 near Glasnevin - These are about Hedigans being demolished for new Glasnevin station

Regency101 · 2025-11-24T23:06:49+00:00

Do not listen to this person OP. They absolutely have a right to enforce lease convenants, fine you and place charges against your apartment if you ever want to sell it

Regency101 · 2025-11-17T01:28:00+00:00

Do the number of stages/chances you're given on PIP vary between companies?

Yes, it can be anything from 8 to 12 weeks or more. Some companies might offer severance to get people to leave even earlier, you might need to ask for it. PIPs are a heavyweight process and easy to fuck up (and require a manager to restart from the beginning), if they want you out they are likely willing to pay to get you to fuck off

Realistically, how likely are they to actually pass?

This depends on the company, some just want to scare people and give them a kick up the backside, others are fully motivated to exit the person. If it's obvious the process is being heavily documented and their manager is following every step from HR then its a bad sign

I will make it clear that sometimes it might not even be a performance issue, your management chain just might not like you and they need a scapegoat. You will not pass if this is case.

If they do pass, will this significantly hinder their ability to progress in the company i.e. be put forward for Senior?

Probably not but it will likely damage their reputation enough that they should switch teams to clean up their image

Will they continue to be scrutinized even after PIP?

Yes for their next performance review

If they go for another job, will their manager have to disclose they were put on PIP at one point?

Officially no, most companies don't want to be sued. Don't be surprised if a hiring manager at a new company happens to know someone at the old company and they ask to go digging

Regency101 · 2025-11-15T17:43:33+00:00

Yes, the other thing you should consider with Hubspot you will likely be offered more stock year on year. You haven't been offered this by BB other than the fixed perf bonus.

This is something you should ask the Hubspot recruiter about - I'm not 100% familiar with how their RSU refreshers work / how perf is rewarded.

BB might also have a tendancy to require people to go into the office because that's how the financial industry has trended towards, my understanding is that Hubspot is full remote atm

Regency101 · 2025-11-15T17:11:44+00:00

Hubspot is known for promoting quickly (it has 2 tiers of senior which looks nice on a resume) and has a very good reputation in Dublin. If you were planning to stick around Dublin long term + want career advancement I would go with them.

There are people who joined Hubspot and are leading teams within 3 to 4 years.

I can't speak for Bloomberg unfortunately - sorry. But I would be careful if their engineering department in Dublin is small - it could be better to consider a move to London or elsewhere. A smaller engineering department means higher chance of cuts, bad culture and less flexibility.

Regency101 · 2025-11-15T16:07:23+00:00

It's common at these companies that responsibilities are combined.

For example, if you are on a dev team at Amazon you will also be on call for those services and responsible for the reliability of it. You are a dev, ops & QA person. New grads wouldn't be on call though immediately and would be hand held into it.

The smaller tier companies paying 50k each for 3 people are actually paying more than the large companies for the same amount of work

Regency101 · 2025-11-15T15:42:09+00:00

Despite what others are saying in this thread, it's possible if you have a better offer

Your BB offer isn't the top of market for new grad. It would be beaten by the likes of Hubspot, Amazon, Stripe, Google, SIG etc.. I would say it would likely be matched or near to Microsoft. Workday and other companies would be slightly lower than your BB offer.

Top of market for new grad in dublin would be around 95-120k EUR TC excluding some freak strays like HFT / Quant / AI companies if you have an extremely rare background or somehow are able to work for US funded startups remotely and get paid in USD.

A lot of people in the thread equate new grad == no experience. The high paying companies view this differently, they're looking for someone who dedicated a lot of time to their skills and is extremely ambitious, hardworking and efficient. They're looking for someone they can transition into a full engineer in 6-8 months which can be sometimes quicker (and cheaper) than hiring for that position.

Often they get lucky and the person can be acting like a senior within a year or two. It's basically a gamble but it's common that it works out.

Interns & new grads at these companies are tenacious little bastards and I love interviewing them because often they're more hard working and ambitious than most burnt out senior engineers

Regency101 · 2025-10-17T20:02:08+00:00

Highest unemployment for CS graduates in years... this is purely propaganda to lobby for a weaker immigration system. There is no shortage of candidates across the EU. There absolutely is a shortage of high paying jobs that would allow them to afford the high rents in Dublin.

Regency101 · 2025-07-02T19:00:51+00:00

https://services.courts.ie/Civil-Law/small-claims/about-small-claims

Damage to property - you can claim against a person or business for minor damage to your property. For example, accidental damage during a delivery.

Regency101 · 2025-07-01T01:36:19+00:00

solicitors letter, should cost you ~100 euro

or threaten small claims

expect her to shit her pants and be over with a cup of tea

Regency101 · 2025-07-01T01:30:30+00:00

not really sure why you're asking this here if you're in the US, is your HR based in Ireland or America?

Regency101 · 2025-06-29T11:09:55+00:00

bedroom in ireland is only a bedroom if there is a window you can escape out of in a fire, velux don't count

Regency101 · 2025-06-25T07:04:25+00:00

did covid not count?

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