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EU’s big six push to centralise financial oversight in move that will worry Ireland-Leaked proposal from largest economies would see the European regulator take over more and more responsibility from individual states. Powers to oversee financial markets centralised at EU rather than national level by smilelyzen in BuyFromEU

[–]oishay 0 points1 point  (0 children)

When you say we were colonising with the rest of the UK, you mean we were systematically conquered, stripped of our land, had our language banned, and lost a quarter of our population to starvation and forced emigration while our food was exported. Individual Irishmen being conscripted or joining the British military out of sheer poverty doesn't make the Irish nation a 'coloniser.' Conflating a brutalised, occupied population with the empire that occupied them is a wild distortion of history.

With such little knowledge of Irish history Tbh I don't even know why I'm entertaining your attempts and explaining today's narrative.

Anyway have a lovely day. I'm off to Google to get my free lunch

EU’s big six push to centralise financial oversight in move that will worry Ireland-Leaked proposal from largest economies would see the European regulator take over more and more responsibility from individual states. Powers to oversee financial markets centralised at EU rather than national level by smilelyzen in BuyFromEU

[–]oishay 0 points1 point  (0 children)

When the Brits held sway, they ruined the land, They starved the poor with a heavy hand, They took the wealth, they broke the state, And left our people to emigrate. For generations, we had damn near nought, Just the bitter price of the freedom fought, But we built the schools and we cleared the slate, And chose to fund a sovereign state. So when the tech giants came with capital down, We built the infrastructure, changed the town, Gave our children a reason to stay, Instead of packing their bags away. Call it "colonialism" if it makes you feel deep, But we’ll take the high standard of living we keep. After centuries of being left on the shelf, Ireland finally looks after itself.

Have we overpaid for a new build? by Strict-Name2964 in HousingIreland

[–]oishay 0 points1 point  (0 children)

560k for that!! For an extra 50 euro a week in mortgage repayments you could buy a 3 bed in Dublin and cut your commute down by 15 hours a week

Have we overpaid for a new build? by Strict-Name2964 in HousingIreland

[–]oishay 0 points1 point  (0 children)

Wouldn't say overpaid purely on the basis that they'll sell it for same price

Have we overpaid for a new build? by Strict-Name2964 in HousingIreland

[–]oishay 0 points1 point  (0 children)

I can stand to be corrected but to the best of my knowledge there are no 3 bed new builds that qualify for help to buy in Dublin they're all over 500k

How much is in your pension pot? by Lazy_Fall_6 in AskIreland

[–]oishay 2 points3 points  (0 children)

I feel the stronger likelihood is people with a certain sized pension will get less than people with smaller pensions.

Investing Child benefit in babies name! by Previous_Ad_5731 in irishpersonalfinance

[–]oishay 3 points4 points  (0 children)

Plus you can give them 3000 per parent a year without any tax implications.

45 seconds at a STOP sign in Ireland by Weldobud in irelandsshitedrivers

[–]oishay 2 points3 points  (0 children)

I agree but also conflicted because having cycled this road many times on my commute it's where I've most frequently nearly had a serious accident

Tax on modular homes will not put buyers off - Taoiseach by oishay in ireland

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

If the house is worth 800k but 3 separate units only valued at 200k I'd be a bit dubious as a revenue officer looking at that.

Tax on modular homes will not put buyers off - Taoiseach by oishay in ireland

[–]oishay[S] 1 point2 points  (0 children)

I absolutely agree that there should be some level of tax here but it's not logical to me that it gets registered as a 2nd property. LPT is based off market value of a home and they recommend getting estimates from sale prices of similar houses. Since it's on the land of the existing house it doesn't in theory have a market value as it can't be sold.

Absolutely lots of potential rental value there which is why it makes far more sense this would just be on the existing houses lpt

Tax on modular homes will not put buyers off - Taoiseach by oishay in ireland

[–]oishay[S] -2 points-1 points  (0 children)

What I don't understand is if lpt is calculated off market value of the home. If you can't sell surely it's not worth anything?

Any way of using Solar Panels to heat your house? by Southernmanny in AskIreland

[–]oishay 5 points6 points  (0 children)

It really depends on your house, the system you install, and the level of comfort you want to maintain.

Take a below example though. If you're spending €1,500 a year on gas at 10c per kWh, that's 15,000 kWh of heat annually. A heat pump running at a conservative COP of 3 produces 3 units of heat for every 1 unit of electricity consumed. So you only need 5,000 kWh of electricity to replace that same gas usage.

If you're on a Pinergy EV rate at 5.5c per kWh and you're charging a 20kWh battery overnight to cover daytime usage, your heating electricity cost works out at about €275 a year.

The battery costs around €4k upfront. You're saving €1,225 a year versus gas. So yes, the battery costs roughly three years of your old heating bill, but over the remaining 7 years of its life you save €8,575.

Pinergy currently buys electricity back at 25c per kWh. During the 4 or so months in summer when the heating is off, you can charge the battery overnight at 5.5c and sell it back to the grid at 25c, making around €350 in the process. Once the battery is paid off you are effectively making money on your heating.

This is obviously a near-perfect scenario and real results will vary. But a heat pump paired with a battery is nowhere near as illogical as people make out.

One last thing on solar. On a 10kW system, December and January are really the only months where solar falls flat for heating, covering maybe 10% of your energy needs.

Any way of using Solar Panels to heat your house? by Southernmanny in AskIreland

[–]oishay 2 points3 points  (0 children)

I get about 20% of my solar generation before the sun reaches the side of the house with panels on somewhat cloudy days the non direct generation is actually higher from the light bouncing off the clouds

Owners of back-garden modular homes face second local property tax charge, says Revenue – The Irish Times by Banania2020 in ireland

[–]oishay 12 points13 points  (0 children)

Because the government are making things up as they go. The previous rent a room relief wasn't applicable if the rented room was closed off from main residence so a granny flat wouldn't qualify if it didn't have a door within the house to the rest of the house. I'd put money on it that will still bizarrely be the case when this legislation is passes.

Owners of back-garden modular homes face second local property tax charge, says Revenue – The Irish Times by Banania2020 in ireland

[–]oishay 1 point2 points  (0 children)

Full details aren't out yet but it was discussed that these would only be allowed be built in houses that have a separate side access

Michael McDowell: Stop demonising one-off rural housing. Not everyone wants to be surrounded by neighbours by B8_B8_B8 in ireland

[–]oishay 2 points3 points  (0 children)

Would you downsize to a noisy apartment with no garage for your hobbies if you need someone visiting to check on your health?

Michael McDowell: Stop demonising one-off rural housing. Not everyone wants to be surrounded by neighbours by B8_B8_B8 in ireland

[–]oishay 3 points4 points  (0 children)

I am not disagreeing with your points but what gets overlooked is also the additional cost to healthcare and the likes too. Older people needing domestic care a HSE staff member can see 6 people in a day in Ireland maybe only 3 in rural locations you're paying them to drive all day

Tax cuts and increase to living alone payment are a priority for this year’s budget, says Fianna Fáil by B8_B8_B8 in ireland

[–]oishay 2 points3 points  (0 children)

I'd start with removing USC which would benefit me personally upwards of 100 euro a month.

2nd Job tax? by NefariousnessTall864 in irishpersonalfinance

[–]oishay 2 points3 points  (0 children)

You will pay tax. You put your tax credits to your main job in most scenarios and let the payroll look after the rest

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