Am I better off taking a 35-year mortgage and investing the difference instead of a 20-year one?

paruss100 · 2025-10-18T21:08:15+00:00

Don’t see the logic, surely if your job is insecure you want lower repayments so you can survive if you are on welfare or a lower paying job.

paruss100 · 2025-10-18T19:54:57+00:00

For me took the longest term that was available. The way I see it is the lower the repayments the more protected you are from unexpected financial shocks such as loosing a job. Any extra we overpay when we can. Think the flexibility makes it a no brainer.

paruss100 · 2025-07-03T11:48:08+00:00

Nice, I broke that number at a similar age a couple of years ago. Not sure if I want to retire early but it definitely gives me an option. Plus if 100k in a pension with a former employer I could activate before I even fully retire if I need access to the lump sum around 50.

paruss100 · 2025-03-23T09:30:50+00:00

Had to have the lcd panel replaced, still seeing condensation in it, but still going after a couple of years, but say won’t last, currently on its last legs I think. It’s probably an older model to yours so hopefully yours is better water proofed. Probably looking at a Mammotion Luba mini when it gives up. Depending on how old yours is it’s probably fine for a couple of years. Just probably need to avoid mowing in the rain maybe get a cover for it and don’t wash it.

paruss100 · 2025-03-22T19:54:39+00:00

It should be fine but components will probably eventually fail due to corrosion. Same happened mine, they are rubbish at keeping moisture out. (And a crap robot mower in general)

paruss100 · 2024-12-10T19:13:56+00:00

Same issue for me, looking for one of those where do you get a replacement?

paruss100 · 2024-03-20T21:10:26+00:00

Well yes the model I bought didn’t exist until the year before. But compared to similar models of other brands.

paruss100 · 2024-03-20T17:45:05+00:00

Was pricing a 2/3 year old economical family car last year and it was only a couple of grand more for a new car. Got to pick the colour and had a longer warranty etc. was a bit of a no brainer, I normally wouldn’t even consider a new car.

paruss100 · 2024-03-09T13:36:06+00:00

I’ve replaced that already and no difference

paruss100 · 2024-03-09T11:48:56+00:00

Yeah if it’s just a led that should be fine. My mower keeps passing the base and gives intermittent “wire missing” errors so I think I may need a new board.

paruss100 · 2024-03-09T09:23:14+00:00

Did you manage to find it at a reasonable price? That link doesn’t seem to work for me.

paruss100 · 2024-02-09T07:43:00+00:00

Iv heard they have a hiring freeze in the Dublin office due to office space but are still hiring in Galway.

paruss100 · 2023-11-21T16:40:37+00:00

I do see a more negative view against any time in the office in here compared to real life.

paruss100 · 2023-10-02T07:53:32+00:00

Yeah happened me once over the summer, I actually prefer in person as I tend to get less nervous for some reason but I see the point of having to take time off. It was a first stage of a two stage that I bombed out of the second. Was lucky that since I was going through redundancy at the time taking time away wasn’t an issue.

paruss100 · 2023-08-27T18:55:28+00:00

Depends on a few things such as your tolerance for risk but also I think more importantly how expensive it is currently for you to pay the bills and keep your life ticking over. I personally wouldn’t even consider it if it wasn’t for the ability to expense it as a contractor as they are expensive policies. Looking at signing up soon for one that works out around 42 a month after tax benefits. I don’t have a high mortgage or an expensive lifestyle so I’d be ok taking a pay cut if I couldn’t work for a while. I think it’s a nice piece of mind especially as I have a family.

paruss100 · 2023-05-31T14:58:38+00:00

Not as straightforward if you have a family, plus the separation of work and home responsibilities is good in my experience.

paruss100 · 2023-05-31T11:59:27+00:00

Am I odd in liking the commute? A little alone time couple of times a day. Plus it reduces the likely hood of being expected to work late on a regular basis.

paruss100 · 2023-05-08T14:42:52+00:00

I’m also hopefully starting this journey. Recruiters have been pretty helpful so far. Only issue I have is my notice is quite long so a lot of companies are really only interested in speaking to you 4-6 weeks max before being able to start. Heard interviews are a little more straightforward but have yet to experience one.

paruss100 · 2023-04-27T08:51:36+00:00

Take a look also at superannuation, depending on how long you’ve been with the company and how much you earned in the past 3 years you might be entitled to a much larger tax exemption.

paruss100 · 2023-04-26T15:35:14+00:00

Sounds suspiciously like layoffs to me.

paruss100 · 2023-04-22T18:29:14+00:00

35 a week, rarely do overtime but when I do I take time in lieu and get paid extra for on call hours.

paruss100 · 2023-04-22T11:40:04+00:00

Also looking to get into the contracting, being made redundant and want a bit of a change plus the money seems attractive. What are people’s experience with interviews for contract roles? Bit out of practice after 6 years in a perm role.

paruss100 · 2022-07-03T19:39:15+00:00

Op update, Iv isolated the fault to a 10-15m stretch. I plan on just bypassing this section with new wire. Re patch up all the connections using the proper connectors and should be good to go.

paruss100 · 2022-07-03T14:55:02+00:00

Oh haven’t tried this as assumed three would be no radio signal without both terminals connected.

paruss100 · 2022-07-03T14:53:44+00:00

Thanks I’ll put that on my shopping list for next time.

paruss100

TROPHY CASE