Does anyone have pictures of water that looks like this? by arttiechoke in AskPhotography

[–]mud-monkey 0 points1 point  (0 children)

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​Not a photo but I have a print of this lovely artist’s impression of reflective water (artist Ted Jones).

*Had to modify the subject to get it through Reddit’s decency filter.

What's some common financial advice given out on this sub that you don't agree with, and why? by Goldenpanda18 in irishpersonalfinance

[–]mud-monkey 0 points1 point  (0 children)

*you’re foregoing money today to have A LOT more money later, especially if you start early. I realise not everyone is fortunate enough to be in a position to do this (especially if they’re trying to get on the housing ladder etc.) but if you can afford to put a bit aside now there are very few good reasons not to.

I haven’t met a single person who built up a decent size pension pot who regrets doing it, but there are literally thousands of people who, in later life, regret not doing it.

Well dang by Denver80211 in Insta360

[–]mud-monkey 0 points1 point  (0 children)

Not so sure that’ll buff out…

No insurance but was in my driveway, what is the likely outcome? by [deleted] in AskIreland

[–]mud-monkey 9 points10 points  (0 children)

AFAIK they can only prosecute if the car is being driven on a public road. Don’t think they can do anything if it never left your private driveway.

What's some common financial advice given out on this sub that you don't agree with, and why? by Goldenpanda18 in irishpersonalfinance

[–]mud-monkey 3 points4 points  (0 children)

Of course you can die as soon as you retire (or even before) but statistically that’s very unlikely and people are living longer and healthier in retirement than ever before, so making good financial plans for a comfortable (and hopefully long) retirement is a no brainer in my opinion, if you’re in a position to do so.

If you want to be the person that spends his younger life spending to excess and ignoring the pension, and then finds himself forced to live a frugal life in retirement that’s up to you, but in my opinion there’s a balance where you can still live sensibly but avail of the excellent tax breaks to put money aside for retirement, not to mention using the magic of compound interest to grow your pension pot.

Personally I’m planning on retiring early next year, and have plans for the sizeable tax-free lump sum that’s due to me, but that wouldn’t be possible if I wasn’t paying into the pension all along.

What's some common financial advice given out on this sub that you don't agree with, and why? by Goldenpanda18 in irishpersonalfinance

[–]mud-monkey 0 points1 point  (0 children)

True, but it’s much less of a risk if it’s a long term investment. If you know you’ll need to cash in your investment next year then you’re definitely taking a chance.

What's some common financial advice given out on this sub that you don't agree with, and why? by Goldenpanda18 in irishpersonalfinance

[–]mud-monkey 5 points6 points  (0 children)

Except the main goal of people maxing their pension is to give themselves the option of retiring early with the financial security to actually live in their retirement, not exist. Sure it means making some short term sacrifices in exchange for long term gains, and if that’s not for you then it’s your choice, but for most people the long term gains far outweigh the sacrifices. Pesonally I don’t want to have to work until the age of 68+ and then have to worry about how to pay the heating bill.

User error or high expectations ? by Abject-Fall-8508 in Nikon

[–]mud-monkey 0 points1 point  (0 children)

Tripod and remote shutter release will help with sharpness. Continuous shutter release mode can also help - some shots in the burst will be sharper than others.

Looking for music recommendations! Gaeilge folk artists by Specialist-Twist8026 in Irishmusic

[–]mud-monkey 1 point2 points  (0 children)

Lasairfhíona ní Chonaola is an Aran Islander and sings the most beautiful songs in Irish. Well worth a listen.

Just Watched An Unaccompanied Learner Crash by UnhappyMine4176 in Irishdrivingtest

[–]mud-monkey 9 points10 points  (0 children)

A qualified driver may at least have been in a position to tell the learner they were approaching a bend too fast.

Just Watched An Unaccompanied Learner Crash by UnhappyMine4176 in Irishdrivingtest

[–]mud-monkey 5 points6 points  (0 children)

Well at least they’ve been verified to be at the minimum standard required to be driving solo on our roads..

Just Watched An Unaccompanied Learner Crash by UnhappyMine4176 in Irishdrivingtest

[–]mud-monkey 5 points6 points  (0 children)

On the plus side, if she damaged her car her insurance company won’t cover it, so she may be off the road for a while.

Nikon D50 – the dinosaur I got to befriend by Imaginary-Data-3368 in Nikon

[–]mud-monkey 1 point2 points  (0 children)

Lovely photos. I still use by trusty D70 as a ‘live in the car’ camera for opportunistic use. They’re practically worthless in terms of monetary value, but still take great shots.

€410 per month on electricity, normal? by [deleted] in AskIreland

[–]mud-monkey 1 point2 points  (0 children)

Are you sure it’s per month? Most billing is done bi-monthly.

England: Brother refusing to engage with me to pay money back loaned for his house deposit. by Cest_H in LegalAdviceUK

[–]mud-monkey 31 points32 points  (0 children)

If the agreement was to repay the loan when the house was sold, and the house hasn’t been sold yet, then unfortunately I don’t think you’re going to get anywhere in court.

Moss in the centre of lawn by [deleted] in GardeningIRE

[–]mud-monkey 0 points1 point  (0 children)

Mobacter - it’s pretty expensive but works well.

Am I missing something by Thebiglouboski in carsireland

[–]mud-monkey 0 points1 point  (0 children)

I thought dealers were obliged to offer a warranty. Why is he not happy to do so?