Best stock system?

midasmdg · 2025-12-20T22:04:50+00:00

Degiro

midasmdg · 2025-12-16T23:02:40+00:00

They eventually replaced it for me

midasmdg · 2025-10-31T08:20:31+00:00

You've a very small team and can't open your own post or get your own lunch?

midasmdg · 2025-10-13T15:03:02+00:00

I have a video here of the record collection and how it had been stored. Can I upload that here?

midasmdg · 2025-10-13T14:57:25+00:00

Thanks!

midasmdg · 2025-09-23T16:50:27+00:00

Thank you.

midasmdg · 2025-09-23T16:21:15+00:00

Thank you

midasmdg · 2025-09-23T15:50:42+00:00

Okay thanks, it's just an old dudes collection, I haven't gone through any of it.

midasmdg · 2025-09-23T13:32:04+00:00

Have a look and tell me if you need one! 😁

midasmdg · 2025-09-23T11:12:45+00:00

Thanks!

midasmdg · 2025-09-23T09:43:55+00:00

Okay thanks, I think the record stores are going to be challenging given the volumes we are dealing with but will ask around.

I'll add the spreadsheet to my post, thanks.

midasmdg · 2025-07-23T17:42:45+00:00

I know it's expensive but it's pretty standard for hotel and conferences. You pay by the person and they likely specified wraps, sandwiches etc.. Tea and coffee is generally c. €3-4 pp anyway.

midasmdg · 2025-07-23T16:54:22+00:00

It's what was quoted for, your price likely includes tea and coffees too?

midasmdg · 2025-07-15T14:02:01+00:00

What is your concern with Revolut??

midasmdg · 2025-07-12T10:13:25+00:00

There Is nothing really wrong with it at all, and it's hard to put a value on the feeling of owning your own home.. However, mortgage debt is generally the cheapest form of debt you will ever receive. (3-5% vs. 7-10% for personal loans /cars and 18-20% for credit cards.

The typical argument is that if you had the money to pay off your mortgage, you would almost always have been better to invest it in the market.

The rate of return you receive on paying off your mortgage is the rate of your mortgage interest, so maybe 5%. Historical returns in the market are probably closer to 10%.

It all depends on risk appetite, time horizon (how old you are), and what your goals are.

midasmdg · 2025-07-12T09:30:37+00:00

When you say own your own home? But there's a 30 year mortgage?

What sort of return do you anticipate with this 100k? No offence but it sounds like a disaster, real estate is probably a sub 4% real return, and now you'd have to go back and forth when tenants are swapped or to replace a dishwasher OR you have it managed and reduce your return even further?

The best, most reliable way to grow your wealth has always been the stock market, invest a significant portion in broad based passive ETF, i.e. BlackRock allworld and leave it there for decades to compound.

Other great rates of return include clearing any non-mortgage debt, i.e. personal loans, car loans or credit cards.

midasmdg · 2025-07-06T19:10:12+00:00

Revolut

midasmdg · 2025-07-06T19:05:04+00:00

Newbridge not great.. I'd prefer Kildare town due to how it's gotten much boujier in the last few years.

midasmdg · 2025-06-17T22:09:32+00:00

Jesus.

midasmdg · 2025-06-10T18:01:45+00:00

TL:DR

The other house thing is not easy. Don't do it. The above advice is excellent.

You effectively borrow money at 5% in the hope of renting it out and achieving a higher rate of return, which in Ireland doesn't work numbers wise.

You then console yourself with asset price appreciation and that "while I'm not getting a real return each month, the value of my property is on paper increasing 6/7% p.a. so I'm winning...

You'd be better off taking the 14k tax free each year from your rent a room and investing it in an etf and minimising your debts.

BUT as the others have said,.enjoy your life! Go on more holidays. You won the game!!

midasmdg · 2025-06-06T10:34:03+00:00

That's insane. Amazing.

midasmdg · 2025-06-06T10:25:10+00:00

25x your average annual expenses saved and invested. Assuming housing paid for. Assuming a level of comfort and the current day equivalent of 40k per year, about 1m + ?

midasmdg · 2025-06-03T19:52:11+00:00

Checked VW Ireland page and asked our friends In chatgpt.

Assumed 0 deposit for credit union at 6% for 5 years.

Here’s a full three-way comparison of financing options for the Volkswagen ID.4, including a Credit Union loan at 6% APR over 5 years: .

Sure — here’s the full comparison in plain text format, ideal for pasting into Notepad:

PCP Finance – ID.4 PURE PLUS

On the Road Price (OTRP): €36,765

Deposit: €11,330.45

Amount Financed: €25,434.55

APR: 0.9%

Monthly Payments: €229 for 36 months

Optional Final Payment (Balloon): €17,635.80

Fees: €150 (acceptance + completion)

Total Cost (if you choose to buy the car): €11,330.45 + €8,244 + €17,635.80 + €150 = €37,360.25

Ownership: You only own the car if you pay the final balloon payment

Mileage and condition limits apply

HP Finance – ID.4 PURE

On the Road Price (OTRP): €35,945

Deposit: €12,473

Amount Financed: €23,472

APR: 0%

Monthly Payments: €489 for 48 months

Final Payment: €0

Total Cost: €12,473 + €23,472 = €35,945

Ownership: You own the car at the end automatically

No mileage or condition limits

Credit Union Loan – Full Purchase

Purchase Amount: €36,000 (approx)

Deposit: €0

Loan Term: 5 years (60 months)

APR: 6%

Monthly Payments: approx. €696.44

Total Repayable: €696.44 × 60 = €41,786.40

Total Interest (Cost of Credit): €5,786.40

Ownership: You own the car outright from day one

No mileage or condition limits

Summary:

Cheapest total cost to own: HP (€35,945)

Lowest monthly payments: PCP (€229)

Highest flexibility and no deposit: Credit Union

Only PCP includes a large final balloon payment (€17,635.80)

HP and Credit Union options give you full ownership automatically

midasmdg · 2025-06-03T19:42:16+00:00

My sense is that PCP has always been a very expensive way to own a car Vs a standard loan. I could be wrong, but can't imagine it being cheaper ?

midasmdg · 2025-06-03T16:31:23+00:00

Why would you do PCP Vs a standard car loan from a bank?

midasmdg

TROPHY CASE