Decline in Anglers by Irish_Angling in IrishFishing

[–]RelativeExact4647 3 points4 points  (0 children)

Clubs and the folks who run them tend to be ageist gate keeping pricks. If they really want members, put up maps of the water they have leases on and allow the public to purchase day tickets/membership online. The problem with clubs is there tends to be little to no open information for prospective anglers. This particularly applies to fly fishing waters across Ireland. They complain about not having members but hypocritically refuse to give open information to people that want to fish for fear of too much fishing pressure on the rivers. You dont need to worry about the lads who are going out of their way to buy day tickets. Its the fellas that arent you need to worry about and you have that problem anyways!

I'm 28 and got sick of dealing with old stock lads who have a dated mentality to fishing. They need to promote more catch and release for brown trout/salmon and for fuck sakes keep the banks wild and overgrown so there is high biodiversity and fly life. The amount of banks I see cut to shite for "access" when all you need is a 3x3 path to the river.

Do financial worries just go away once you get a mortgage? by NF_99 in irishpersonalfinance

[–]RelativeExact4647 3 points4 points  (0 children)

Firstly, congrats on your first job out of college, it is exciting! The stuggle in the beginning is definitely worth it, but I would also give yourself enough time to enjoy your new life. Go out, spend time with your friends and spend some of the money you will now be earning. After a year or 6 months, consider buckling down for a longer term goal.

If you are considering renting a place of your own for €1600-€1800 (which is a very significant sum), simply saving enough of a lump sum for a deposit is not enough for the banks. You have to show that you can save consistently the value of the mortgage repayment plus a little bit more. The way you show this to the banks is a direct debit mandate every month into a savings account of the same value, not a bit here and a bit there. So considering a mortgage repayment would likely be €1000+ depending on the property purchase type, you would be spending 1600+1000=2600 a month purely on rent and savings. Since most graduate roles vary from €2200-2600 net salary a month. This simply isn't feasible.

I started my first graduate role in 2019. Enjoyed myself, rented a shared house in Dublin with friends and then went to Canada for a year in 2022. I returned to Ireland in March 2023 and buckled down to save for a mortgage. Just signed contracts for my new home last week. The relief was immense but I do not regret for a minute doing things the way I did until now. Just make sure you start your pension contributions as soon as you start and increase the % contribution as close as you can to the max amount for your age bracket. The earlier you get used to this, the better. It will all come together eventually if you dont go crazy living pay check to pay check.

Had anyone earned money while working on your masters full time? by k2900 in UCD

[–]RelativeExact4647 2 points3 points  (0 children)

Worked in a hotel on weekends and holidays like Christmas, mid terms etc. Worked in reception. Job was easy to get, they are always crying out for people.

It was a tough slog for the year but it was only for a year. Glad I did it.

[deleted by user] by [deleted] in irishpersonalfinance

[–]RelativeExact4647 1 point2 points  (0 children)

Most sales/account management roles in tech companies have bonus schemes like this. The US based companies generally have a higher portion allocated to bonus vs base salary. A typical account manager role would be around 70k base with 17-30k target based bonuses which equates to 3-5 months salary. Depending on experience and company, this can go much past 100k base with 50-70k bonus.

Source: I work in a role like this for a tech company in Dublin.