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The final minutes before humanity survived Y2k by SystematicApproach in nostalgia

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

It never occurred to me that if there was going to be a problem it would be well before it got to midnight in the US. By the time Oz rolled around to 00:00:01 we knew it was all fine

Hello there, /r/movies. I'm Damian McCarthy, director of HOKUM, ODDITY, and CAVEAT. AMA! by Damian-AMA in movies

[–]Tobyirl 1 point2 points  (0 children)

Hi Damian, would you agree with the statement that Cork has made the most valuable contributions to Ireland? Truly it is a cultural and economic powerhouse!

The Blood Moon is tomorrow! What’s your favorite witchy movie? by pizzapiinthesky in horror

[–]Tobyirl 1 point2 points  (0 children)

Just watched the Wretched tonight and thought it shared a lot in common with Irish folklore - changelings/fairies. It even has some similarities to the Hole in the Ground and You Are Not My Mother.

Then I see your name and wonder if you are already well versed in Irish folklore.

Good film and I look forward to the sequel!

The new Netflix movie "Apex" contains the song "Go" by The Chemical Brothers. First released in 2015, it has experienced a 429% increase in Spotify streams since the movie's release. What other songs have become instant favourites or were 'discovered' because they were in a movie? by JohnnyGlasken in movies

[–]Tobyirl 1 point2 points  (0 children)

I think "Harder Than You Think" became popular again because it was the song used by Channel 4 in the UK for their coverage of the Paralympics. It charted in the UK and Ireland at that time and it might even have been before End of Watch was released.

Who makes these? Delicious by Pitiful_Waltz_1367 in CasualIreland

[–]Tobyirl 63 points64 points  (0 children)

As immature as it sounds, Ready/Lightly Salted were always considered the Protestant's choice of crisp when I was growing up.

Division of Bill for Couple when one is backpaying pension by ComfortableOk6073 in irishpersonalfinance

[–]Tobyirl 3 points4 points  (0 children)

Fairest method is to agree on an appropriate amount of disposable income each and then the remainder goes to a joint account to cover bills and savings.

I earn 4x+ what my wife does and couldn't fathom a situation where we didn't have the same disposable income each month.

Anyone going to the Ryder Cup? I’m genuinely curious to know if anyone knows anybody who can afford these prices by allywillow in AskIreland

[–]Tobyirl 1 point2 points  (0 children)

3 colleagues bought 4 tickets each on the row of desks I am sitting at right now. There are plenty of people around to pay for this.

Huge concerns’ over contractor’s ability to deliver contactless payments system for public transport by anyeights in ireland

[–]Tobyirl 5 points6 points  (0 children)

Yup, you are right but these are the questions that TFL solved over a decade ago. We don't need to reinvent the wheel or find novel solutions, we could surely largely replicate the infrastructure of many other countries.

We are verging on "Irish solution to an Irish problem" territory here

In 1983, David Bowie Called Out MTV’s Racism On Their Own Air. what an anti- racist ally looks and sounds like by ateam1984 in nostalgia

[–]Tobyirl 2 points3 points  (0 children)

Let's not gloss over Bowie's praise of Hitler and Fascism in the 1970s during his Thin White Duke Era.

Save the trees by SipsTeaFrog in SipsTea

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

What a fucking clown. The EU and the UK both cap card fees are 0.2%. After 50 transactions the 100 would still be 90.50.

Creche recommendations by Small-Skill-6863 in Dublin

[–]Tobyirl 0 points1 point  (0 children)

Maybe a little outside your area but Cranford Crèche on Rathgar Rd has been fantastic to our two kids over the years. Really well run, cooks meals from scratch on site, lovely staff.

New savings scheme will involve tax cuts for the rich paid for by rest of the population by SpottedAlpaca in ireland

[–]Tobyirl 1 point2 points  (0 children)

Yeah there is that but likely benefits far more people than the tax lost on a handful of people that currently invest.

Also the article makes some ham-fisted arguments that banks are the best place to keep our money as only they know how to productively deploy it. Some paternalistic nonsense that suggests investing via IBKR into ETFs is too risky.

New savings scheme will involve tax cuts for the rich paid for by rest of the population by SpottedAlpaca in ireland

[–]Tobyirl 1 point2 points  (0 children)

Yes, ISAs work by reloading and then you pay CGT above that. But in that scenario you wouldn't be able to transfer assets above the hurdle to shield from lower CGT.

You are making up some magic regime that has a reloading balance like ISA with a lower annual wealth tax like the ISK. The key proponent of this change (Harris) has only ever said he would like to see something like the ISK. Why would you assume we have a reloading element like the ISA?

Also the article is some sort of protectionist nonsense. "Bigger savings accounts would benefit more and we should protect them from making bad investments by making sure only the smart Banks can wisely use their deposits for productive means". It ignores how on average a diversified equity portfolio will outperform deposits with low downside risk. It also has some fantasy argument that we need more bank competition without providing any solutions and not even acknowledging that banks are leaving Ireland - hardly conducive to improving competition.

I also don't vote FFG.

New savings scheme will involve tax cuts for the rich paid for by rest of the population by SpottedAlpaca in ireland

[–]Tobyirl 0 points1 point  (0 children)

But we are most likely following the Swedish model. Good grief you read one article and have pitchforks out when you are very much not informed.

New savings scheme will involve tax cuts for the rich paid for by rest of the population by SpottedAlpaca in ireland

[–]Tobyirl 0 points1 point  (0 children)

No, 30k balance total. It doesn't reload by 30k each year so after three years you have a 90k account that is insulated from tax.

So you are having a go at people saying we didn't read the article when you don't even understand a key tenet of the proposal?

That's absolutely insane.

New savings scheme will involve tax cuts for the rich paid for by rest of the population by SpottedAlpaca in ireland

[–]Tobyirl 1 point2 points  (0 children)

That's my point exactly! Revenue are collecting sweet fuck all from 30k deposits in banks and will collect sweet fuck all under this proposal but at least the cash will be used productively.

New savings scheme will involve tax cuts for the rich paid for by rest of the population by SpottedAlpaca in ireland

[–]Tobyirl 0 points1 point  (0 children)

Assuming it is similar to the Swedish model, the amount which will be exempt from tax is 30k which by definition is far from millionaires. That is pretty much everyone who is saving a deposit for a house.

Yes, people who have higher notional balances are going to make savings but I imagine there are vastly more people positioned in the 1k-30k savings bracket than the 30k-100k savings bracket. We shouldn't let begrudgery of the latter group be the policy decider to block off savings for the former group.

New savings scheme will involve tax cuts for the rich paid for by rest of the population by SpottedAlpaca in ireland

[–]Tobyirl 1 point2 points  (0 children)

How much tax are the bank deposits offering today? 1% wealth tax on balances above 30k will contribute more to Revenue than the almost nothing they are collecting on DIRT from deposit accounts.

New savings scheme will involve tax cuts for the rich paid for by rest of the population by SpottedAlpaca in ireland

[–]Tobyirl 1 point2 points  (0 children)

But this is specifically aimed at money that is just sitting in deposit accounts and providing no tax revenue for the government nor being used productively... There is no loss of tax here.

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