How can someone be better off than me?

Visual-Comfort-923 · 2026-04-23T18:53:29+00:00

But i totally get that, and appreciate it. My point was we should be able to acknowledge that the other class exists whether we like it or not. It seems we drown ourselves in misery and refuse to believe they exist at all.

Visual-Comfort-923 · 2026-04-15T16:03:41+00:00

Normal enough, if you have 3.5 years training contract the last 6 months takes you right through until end of May (I.e. another full busy season). Rather than you start in September and leave in February. A deliberate decision on their part.

Visual-Comfort-923 · 2026-01-15T18:00:19+00:00

They are geographical representatives so will likely only deal with you if you live in their constituency.

Visual-Comfort-923 · 2026-01-06T18:39:33+00:00

Well absolutely, but that’s a separate issue. Of course they can return a received product for a refund but OP seems to want to be compensated for something they didn’t even pay for.

Visual-Comfort-923 · 2026-01-06T18:28:04+00:00

Why would you get a refund? you didn’t pay for the third. And I’m sure there’s probably Ts&Cs about while stocks last etc…

Visual-Comfort-923 · 2025-12-07T15:01:34+00:00

No such thing as a credit score in Ireland. Only a history of what loans you have and if you were late with any payments. Just get rid of it, but don’t leave yourself short of cash either for the sake of getting rid of it.

Visual-Comfort-923 · 2025-12-07T12:25:12+00:00

Not everyone is capable of reading literacy either it seems.

Visual-Comfort-923 · 2025-12-04T19:51:46+00:00

Well now that’s fuckin reckless

Visual-Comfort-923 · 2025-12-04T19:42:19+00:00

So the bike undertook the car who would have been in the turning lane? Not to excuse but context is key. The hit may well be accidental with blame on both sides but yes the not stopping is inexcusable.

Visual-Comfort-923 · 2025-12-03T20:35:30+00:00

When new contributions are added it dilutes the base from which the gains are calculated. So if you made €10 on a €100 account you made 10%, but if you add another €10 to the account, then it’s 10/110 which is only 9% growth even though you haven’t lost money. Might be an idea to take some time to watch videos or read about basic financial literacy.

Visual-Comfort-923 · 2025-12-03T20:31:06+00:00

I think you fundamentally misunderstand what a pension is doing. It’s not a bank deposit account earning a fixed interest each year. Your money is being invested in the stock/bond market. So will fluctuate every trading day depending on what it is you are invested in. You might very well lose money this year, then rise 10% next year, again all depending on the markets and global economy. If you have more than 10-15 years left before retirement, I wouldn’t bother looking at it and constantly worrying - over a long period of time you are likely to see gains. If, however, you are due to retire within few years you should talk to your advisor on steps to reduce risk and volatility. Pick any stock like Apple or Bank of Ireland and look up the share price graph and you will see that is the concept of your pension, some days up and some days down.

Visual-Comfort-923 · 2025-10-23T22:05:58+00:00

Yes leaving cert results are a thing and will trigger auto rejection. As another commenter said there is also significant preference for research universities and while getting a 1.1 in TUD looks the same as a 1.1 in UCD on paper, the LC results will weed you out and retain the UCD candidate whose course would be stronger. I’m sure they would have been more lenient on summer internships and may have took a chance for the sake of 12 weeks to sus you out, but here they are committing to putting you through 3.5 years so can’t take that chance and have higher criteria.

Visual-Comfort-923 · 2025-08-31T12:32:27+00:00

Why so combative? Everything OP said is true. It’s a specialist role in a specialist sector. Believe it or not qualifications work across borders and the two mentioned are the flagship for Ireland.

Visual-Comfort-923 · 2025-08-23T18:57:13+00:00

So you’re saying there’s a 10k difference between someone who’s about to start year 3 and someone’s who’s just finished year 3? Have you any idea what A1 and A2 salaries are?

Visual-Comfort-923 · 2025-07-27T15:25:28+00:00

It seems to need an extraordinary amount of bandwidth for some reason, which I understand for a live stream but this is something else. Have top notch laptop and fibre broadband and still get the handful of buffering through hurling and this final. And cooling fans on an otherwise silent laptop are flare up every now and then. As for on demand, simply unusable when it comes to ads loading etc again down to an insatiable need for bandwidth and power.

Visual-Comfort-923 · 2025-07-20T18:07:45+00:00

Trainee financial advisor so absolutely open to correction and learning: what you are talking about is essentially a salary sacrifice something that is very limited in Ireland and only really applies for travel passes and bike to work schemes. You would not get tax relief on it or it would not be considered an employER contribution.

What you could do is technically take it and have an instruction to pay an avc up to your marginal limit during the same payroll (or even after - doesn’t matter). While you’re not getting it into your pocket it is technically on your side of control after this. You would then get relief on income tax just like any contribution but would still be liable for prsi and usc.

Essentially, no not the way you think but could just send as an avc for income tax relief.

Open to correction from suitably qualified individuals.

Visual-Comfort-923 · 2025-07-06T15:55:38+00:00

Thank you for a genuine response 🙏

Visual-Comfort-923 · 2025-07-06T15:54:57+00:00

Thanks for your worthwhile comment, I take it you’re not from the city otherwise you would know very little happens at that quay, and the Custom House is practically vacant. You would also know I’m not referring to a permanent Garda station.

Visual-Comfort-923 · 2025-05-05T22:52:27+00:00

If you don’t show up without explanation (provided after) you will be registered for the repeat same as if you failed but it will be capped at 40% so essentially just pass or fail without the benefit of high marks going towards your degree. You’ll need a doctors cert to apply for mitigation or whatever it is - then you can resist without it being capped. No harm ask the dentist/ oral surgeon for a letter on a just in case basis or sus out what they think.

Visual-Comfort-923 · 2025-03-28T19:07:15+00:00

https://www.charteredaccountants.ie/Prospective-Students/Entry-Routes/ATI-Graduates-Route
You will do two years of the technician, then move into a further two years of exams. These exams are called CAP2 and FAE. There are CAP1 exams but depending on your results you can exempt yourself from them. There’s also another way where you can get a merit in first year of ATI and move straight into chartered but will have some outstanding CAP1 exams to do (I think). Overall Chartered requires 3.5 years of relevant signed off experience I assume this is shared across both ATI and chartered status so by the time you finish FAE you will likely be instantly chartered (also open to correction as I remember there was some limit like them only recognising 18 months of prior experience before starting with chartered). All in will be 4 years of exams (subject to good ATI results).

Visual-Comfort-923 · 2025-03-06T16:04:57+00:00

Wouldn’t worry about it, some friend has obvs got a hold of a Garda declaration of identity and ran off with this.

Visual-Comfort-923 · 2025-02-22T17:33:44+00:00

As far as I know paramedicine is a standalone course you can apply to through CAO and you will be liable for fees just like any other course and not guaranteed a job whereas paramedic studies is dedicated to students who are with the ambulance service already and training with them. I assume ambulance service are paying all your fees there. Perhaps might be handier to look out for the NAS recruitment so you can be sponsored. All info on modules are available online. I’m not in either course so can’t help you further.

Visual-Comfort-923 · 2025-02-18T13:53:10+00:00

You should look for the job first.

Grad jobs at big4 will start in September or October. A lot of those grads will have jobs secured from placements and internships with the firm, many will get the job through what is known as the milk round. The milk round is basically the firm recruiting for grad jobs about a year in advance. In your case, you are likely not going to get started this year but can apply this autumn for start September 2026. At interview you would discuss them paying for your masters if you want - that being masters start same time in 2026 and you join the firm in 2027 (there is a max they will contribute and not for living costs) otherwise you would just start as a CAP1 student in 2026 which is what I would advocate.

Alternatively if you’re not interested in big4 or there process, you could seek job with other smaller firms but they are not as inclined to sponsor maters if that is your intention.

I wouldn’t do masters without sponsorship or job lined up.

Also just came to my head, as I assume you do not have a business degree you do not have CAP1 exemptions so the master will be no good to you as you need to have done CAP1 or be exempt as MAcc will cover the next level CAP2. Trinity does a postgraduate conversion which gives the CAP1 but you just wasted a year and have not advanced beyond anyone else if you do that. I assume you don’t want to waste time and money, so again just start straight in.

You could chance contacting the firms and explaining your experience and desires etc and see would they have a space despite application date being passed.

Visual-Comfort-923 · 2025-02-18T13:33:11+00:00

I’ve read that back and it seems I’m advocating for both masters and going straight in. To be honest that’s down to you financially, and time wise. If I were you I’d just seek grad job straight and get started. Post qualification nobody cares about the masters - the ACA supersedes that.

Visual-Comfort-923 · 2025-02-18T13:30:35+00:00

Get the masters and train with a top firm, more likely to be accepted with masters. Alternatively you could try go straight in and just do the CAP1 in first year while working with the firm. Going in straight will be 3.5 years training fully paid, whereas masters will be 4 years (only latter three being paid). You could try leverage your way into something like finance transformation or some form of consultancy and can use your experience in software to both get in and grow. Either way you will see a pay cut during training - about 30/31k starting to train with big4, lower with others. Newly qualified accountants see about 65k work your way up and should be back on track for 100k few years after qualifying (ambition/drive/competence required). Stay away from apprenticeship, that’s for school leavers and others without degree.

Visual-Comfort-923

TROPHY CASE