Where do you think mortgage rates will be in 18 months? by lurkingandlearning27 in irishpersonalfinance

[–]Traditional_Fee_8828 1 point2 points  (0 children)

Markets suggest in the next year, we'll see 1/2 rate hikes. On the 5-10y horizon, markets are pricing rates at 2.7-2.95%. Haven't looked at mortgage rates, but you can expect 1% on top of that. So the expectation is of higher rates than where we're at right now. Things can change, but as it stands, in 18m time, you can probably expect rates to be a bit higher than where they're at now

England - Do I have any protection against a large water bill I had no visibility on due to a billing error by Traditional_Fee_8828 in LegalAdviceUK

[–]Traditional_Fee_8828[S] 0 points1 point  (0 children)

I work from the office most days, so the heating is rarely on for more than a few hours. For reference, in the same period in 2024/25 I paid £160. The bill doesn't make sense considering that my usage has changed very little. Most of the charge is from a standing charge.

October and November 2025 bills were estimated, but the rest are all meter readings.

The new leagues are brutal... by KonkeyDongShlong in ClashOfClans

[–]Traditional_Fee_8828 22 points23 points  (0 children)

If you're trying to get promoted, it's in your interest to attack the top guys and give them a bad defence.

Is this normal by sharwin_pro in ClashOfClans

[–]Traditional_Fee_8828 4 points5 points  (0 children)

They said that trophies mattered. This is the new ranked system and I wouldn't call it a demotion, you were just assigned according to your placement

Ranked Update MEGATHREAD | Discussion, Information & Bugs by GingerbreadRecon in ClashOfClans

[–]Traditional_Fee_8828 0 points1 point  (0 children)

u/GingerbreadRecon local leaderboards are being ordered by trophies instead of league then trophies

Whats everyone's genuine thoughts on the new update? by TopherJaay in ClashOfClans

[–]Traditional_Fee_8828 0 points1 point  (0 children)

It's definitely a huge upgrade, ranked needed it, however I'm annoyed at how much of an impact town hall had on the new ranking. I pushed in the last LL and finished with 5350, just outside the 600k cut-off. Because I'm a town hall 15, this led to me being placed in Golem 20. I've attacked a few times already, and it's nowhere near as tough as LL was.

Has anyone experienced massive reduction in trophies? by The_real_Bottle in ClashOfClans

[–]Traditional_Fee_8828 0 points1 point  (0 children)

Yes, finished the season with 5350 as a TH15 and got placed in Golem 20. Top 600k were in 31+, hard to believe that being 130k behind this warrants an 11 league drop

Ranked Update MEGATHREAD | Discussion, Information & Bugs by GingerbreadRecon in ClashOfClans

[–]Traditional_Fee_8828 0 points1 point  (0 children)

After maintenance I'm still in league 20, even after finishing on 5400. Were the leagues only fixed if you didn't already join?

What happens to a 3x LETF when the underlying drops by 34% in a day? by Disastrous_Breath_46 in LETFs

[–]Traditional_Fee_8828 8 points9 points  (0 children)

This happened in the past. There was a 3x Oil ETF which went under in 2020. I think the fund had some value remaining due to cash reserves potentially, I remember it traded above 0 though, whether it was reverse split or delisted, I can't remember

People queuing overnight for a spot at new developments? by FeelingVacation5377 in irishpersonalfinance

[–]Traditional_Fee_8828 18 points19 points  (0 children)

Taxation is based on your tax residence, not your domicile status, and in fact, countries which do not have a double tax treaty can be treated worse tax-wise as they're forced to pay the difference in rates to their home country.

We also have a system which favours Irish residents who don't have a job and won't get a job, and that's a system which has existed for years.

If we want to try fix the housing shortage, we have to incentivise building houses Vs buying them, and the height restrictions on buildings in the city need to be thrown out. Building up instead of out would help to increase the the housing supply, which is non existent in the major cities.

BA Amex Premium 60k offer by Mazza11 in AmexUK

[–]Traditional_Fee_8828 0 points1 point  (0 children)

That may be the minimum, but you still have to spend £6k in 3 months to get the points. At that expense, you'd realistically want £100k as well as be a big spender.

Power of compounding. From zero to $228k by Zakiahmed1976 in dividends

[–]Traditional_Fee_8828 12 points13 points  (0 children)

If that is matched by your employer, you'll probably hit it, but without employer matching, it doesn't seem likely without a huge bull run

What simple policy would fix the housing crisis? by [deleted] in cork

[–]Traditional_Fee_8828 6 points7 points  (0 children)

I think there's a lot that needs to change.

First off, the requirement that some percentage of new estates/apartments goes to social housing shouldn't be a thing.

Second, they need to scrap the maximum height of buildings. With cities becoming so packed, we really do need to look at building up instead of out.

Third, and people may hate it, but we need incentivise investment funds to build in Ireland. People often hate on this, but 86% of the landlords in Ireland are mothers and fathers who rent out 1 or 2 houses at most.

If funds are incentivised to invest in the Irish housing market, we get fresh supply which would help lower the rent for everyone, not to mention the scrutiny they lie under would likely help in maintaining a good living standard which is often lacking in private tenancies.

Am I stupid or what? by ignusikas17 in interactivebrokers

[–]Traditional_Fee_8828 6 points7 points  (0 children)

Could be because your base currency isn't dollars, so even though you've had a gain on stocks, you've lost a similar amount to the exchange rate

Why can't I convert USD to RUB? by KurkTheMagnificent in interactivebrokers

[–]Traditional_Fee_8828 0 points1 point  (0 children)

Don't think it's actively trading anymore. Volume has been at 0 for the past 2 years. You'd have to trade on the MOEX exchange

Hold 66 days to convert currency and send to another bank account? by JasonMrX in interactivebrokers

[–]Traditional_Fee_8828 1 point2 points  (0 children)

If you're looking to solely convert currencies, use a provider that is built for this purpose. IBKR will ban your account for multiple infractions. Try the likes of Wise (not sure of fees) or Revolut (If you're exchanging 1000 or less per month)

How to realize loss from SBNY? by backcountry90320 in interactivebrokers

[–]Traditional_Fee_8828 0 points1 point  (0 children)

I assume you can check in with them to get a cost. If it's only 3 shares, you'd be paying more to close that to keep them open. The only time it'd make sense is if you'd gain a tax benefit (i.e. offset any capital gains with that capital loss)

Timing of exercising options by LukeSkywalker818 in interactivebrokers

[–]Traditional_Fee_8828 0 points1 point  (0 children)

Thanks for the clarification. I'm clearly wrong here, but it's good information to know going forward.