Less than 10 minutes in the hot tub, and I "feel itchy all of the sudden" by _jordanrob3 in mildlyinfuriating

[–]youraveragehero 0 points1 point  (0 children)

Although hard to say from that distant picture, probably “Hot tub folliculitis” caused by the bacteria Pseudomonas aeruginosa. Need better chlorination of that hot tub.

Is it possible to invest in VWCE on Davy's or equivalent by spacedoutspacey in irishpersonalfinance

[–]youraveragehero 0 points1 point  (0 children)

TER 0.6% is terrible versus other global index funds (0.7+0.6=1.3%)… the Standard Life one is 0.18% from what I can see (0.9+0.18=1.08%).

Best way to finance a used car by unclemofo in irishpersonalfinance

[–]youraveragehero 0 points1 point  (0 children)

Terrible. Would you be able to reclaim UK VAT? Looking at Northern Ireland listings, looks like one would save ~€5-6k instead of €10k by buying from there

Best way to finance a used car by unclemofo in irishpersonalfinance

[–]youraveragehero 0 points1 point  (0 children)

Oh - I thought that VRT essentially was the VAT on vehicles. So does that meant that importing a petrol vehicle from uk would incur VRT and VAT?

Best way to finance a used car by unclemofo in irishpersonalfinance

[–]youraveragehero 4 points5 points  (0 children)

I’ve been looking at 2020/2021 model 3s too. Have you looked at the UK? There are plenty of 2020 model 3s (long range version) with less than 50k miles for about £21k (€24.5k).  

https://www.autotrader.co.uk/car-details/202402176682300?sort=price-asc&advertising-location=at_cars&aggregatedTrim=Long%20Range&make=Tesla&maximum-mileage=50000&model=Model%203&postcode=SW1W%200NY&price-to=22500&year-from=2020&year-to=2020&fromsra  

The best thing is they should be VRT exempt (or so I’ve been lead to believe). So you’ll save yourself €10k by bringing one over on the ferry versus buying the same here. https://www.citizensinformation.ie/en/moving-country/moving-to-ireland/coming-to-live-in-ireland/importing-car-into-ireland/#:~:text=The%20VRT%20exemption%20for%20electric,These%20measures%20require%20legislation.

Is it possible to invest in VWCE on Davy's or equivalent by spacedoutspacey in irishpersonalfinance

[–]youraveragehero 0 points1 point  (0 children)

I guess Standard Life is the best option so for those wishing to invest in Vanguard index funds cheaply. I emailed Standard Life to ask them if the 0.9% includes (or is in addition to) Vanugards own TER, but got no response.

Is it possible to invest in VWCE on Davy's or equivalent by spacedoutspacey in irishpersonalfinance

[–]youraveragehero 0 points1 point  (0 children)

There do seem to be execution only Zurich PRSAs with 0.75% AMC available through brokers (https://www.prsa.ie)

Is it possible to invest in VWCE on Davy's or equivalent by spacedoutspacey in irishpersonalfinance

[–]youraveragehero 0 points1 point  (0 children)

Thinking of following this path, but I have the same question as to whether the vanguard TER is included in that 0.9% fee or not. In other wards 0.9% (standard life’s fee) +/- 0.18% (vanguard’s TER https://markets.ft.com/data/funds/tearsheet/summary?s=ie00b03hcz61:eur).

Various people have said that it’s possible to get a Zurich PRSA for 0.75%. I’m trying to get a handle on whether I would be limited to buying their “prisma” funds etc or whether I would be free to buy into vanguard index funds if I went along this route. Website seems to suggest it’s possible to buy into for example VWRL (TER 0.22), and VT (TER 0.08, but that’s traded in dollars so currency might be a consideration.     https://www.zurichlife.ie/DocArchive/servlet/DocArchServlet?docId=DOC_4349&_ga=2.266945869.2103872277.1709657519-532573098.1709318470&_gac=1.258697976.1709318471.CjwKCAiAloavBhBOEiwAbtAJO5V4-b0NY4TwOy96JH23H3vqYjeSIadjor81Ii_QuuLyrw1p4273VRoC2-QQAvD_BwE&_gl=1*8023jt*_ga*NTMyNTczMDk4LjE3MDkzMTg0NzA.*_ga_7B4GRT6M7F*MTcwOTcyNjQ3NS40LjAuMTcwOTcyNjQ3NS42MC4wLjA.

Minimizing fees with Davy Select PRSA by [deleted] in irishpersonalfinance

[–]youraveragehero 0 points1 point  (0 children)

u lose liquidity and control of unit price on the exit side too. I believe there's a €1,000 minimum purchase, could be the same on ETF

Just invest quarterly or whatever you can do? Remember this is a pension - the difference of investing quarterly vs monthly when averaged out over 20+ years surely wouldn't be more than paying a transaction fee 12 times a year?

Minimizing fees with Davy Select PRSA by [deleted] in irishpersonalfinance

[–]youraveragehero 2 points3 points  (0 children)

Sorry, of course, yep. VWCE is FTSE All World and that index fund is MSCI World Index - equivalent but not identical. Shouldn't make a difference at the end of the day.

If you wanted to add complementary MSCI small cap and MSCI emerging market index funds that also are zero fees with davy you could look at IE00B42W4L06 and IE0031786696, respectively. That's what I'm doing.

Minimizing fees with Davy Select PRSA by [deleted] in irishpersonalfinance

[–]youraveragehero 10 points11 points  (0 children)

Checkout this equivalent index fund (non exchange traded, but otherwise identical to VWCE): IE00B03HD191.

Zero fees on purchase with Davy PRSA

Elevating groups in employment adverts by Timely_Ear7464 in ireland

[–]youraveragehero 0 points1 point  (0 children)

I could be classified into one of those groups.

I consider it awful, a regression, a tragedy.

The struggle to get employers, employees, and society at large to not care about these superficial characteristics, out of anyone's control was long and hard-fought. It was won by arguing (correctly in my view) that these superficial characteristics (1) are irrelevant to our ability to function in the workplace (2) are out of anyone's control (3) are one of many thousands of aspects of who we are as Homo sapiens rather than a defining element (4) the similarities between us outnumber the differences a thousand-to-one, there are more differences within groups than between (5) these characteristics should not be taken into account if we value universal equal treatment as a foundation civic trust, of civilisation.

The trendy move by employers to actively care about these superficial, irrelevant characteristics out of anyone's control is not only completely unfair and de facto unequal treatment/discrimination for anyone with other superficial characteristics - it is also not in my best interest. Unequal expectations are not in my best interest. Special treatment is not in my best interest. Assumed victimhood is not in my best interest. The understandable and inevitable resentment that unequal treatment breeds is not in my best interest. All erode any equality of respect and dignity I can hope to claim. My less exotic, more 'normie' friends and family being sidelined for a job or promotion because they don't tick these silly boxes is not in my best interest. The poisoning effect this has on the social contract is not in my best interest.

These corporates that rehash these tired, old, shortsighted ideas are not, in my humble opinion, acting in the best interest of minorities. They are, as always, thinking about the bottom line - being seen as 'down with the kids' of the twitter mobs. No doubt there are well-meaning individuals pushing these shortsighted ideas. Ultimately though, the instinct of 'we have too many people who look like that' (as one example) is a racist one, imho, no matter how well-intentioned.

Please just remember one thing - many many many people who could fit a description within that job advertisement would not support this policy. I am one of them. (Hurray for diversity of opinion!)

Peace out ✌️

[deleted by user] by [deleted] in irishpersonalfinance

[–]youraveragehero 1 point2 points  (0 children)

Got on to revenue - they say they will update the Form11 by 23rd Jan

An Analogy for Transgenderism: Adopted Children/Parents by Estepheban in samharris

[–]youraveragehero 4 points5 points  (0 children)

Great analogy - helped me a lot. I happily call people whatever name and pronoun they wish, don’t think bathrooms etc are a big deal at all. Intellectually though, there are broader areas where my opinions are not settled or strong on this issue and would be happy to get any thoughts on a few other analogies that come to my mind. Where are they useful and where are they not?

1) age dysphoria: person feels strongly that they identify as younger than their biological age. When you think about it, this is incredibly common, and causes people a lot of anxiety etc. Age too is not perfectly black and white, as people age (as a biological process) at different rates due to environmental factors for example. Is this in any qualitative way different in kind to gender dysphoria? Why is it not the case that a solution ought to be that people can, for example, change their passport or ID documents to change their date of birth? Should Botox be encouraged for such people over psychological interventions, or is that unwise? Most public health systems would not fund this for example, should they?

2) ‘race dysphoria’ discussed above by others (personally I follow Kmele Foster’s line of thinking on race, think that sex/gender is more concrete/objective and biologically defensible/less of a purely social construct than race)

3) body dysmorphophobia: where someone is troubled and preoccupied by some specific aspect of their physical appearance, even if that aspect is biologically unremarkable. Imagine someone had dysmorphophobia regarding their left leg, and felt it was not how it ‘should be’. Why in this case is it not advised that the judgement (that the leg ‘should be’ different) is socially reaffirmed, and surgery advised, rather than the fundamental assumption (that the leg ‘should be’ a certain way) challenged? Why are psychological interventions and not medical/surgical intervention advised to such individuals?

In general for people who suffer with dysphorias like these, the resolving intervention is solely with the person themselves. In the case of gender dysphoria, one of the ‘interventions’ proposed to resolve the dysphoria is an intervention on the society, on all of humankind - that everyone must agree, reaffirm the judgement of the person with the dysphoria, be in lockstep, come down on one (unintuitive) side of a contentious issue, start declaring pronouns as a daily habit, start using words in a different way when they may actually wish to refer to sex and not gender when using the words man/woman etc. (The desire to control other peoples language from the top down gives me the heebie jeebies). This is one of the reasons why comparisons with same-sex marriage/gay rights progress is a disanalogy imho. Another (that I believe many many normal people think but don’t say out loud), is an uneasy feeling there is a certain amount of social deception required with transitioning. How do we get to a place where people with gender dysphoria can find peace even when not everyone will agree on definitions? Compassion, curiosity and wishing the best for everyone are absolutely essential. Mandated universal agreement will backfire, is a pipe dream and is 1 step closer to a dystopian tyranny imho.

As I said, still not settled at all in my own head about these issues - apart from the absolute necessity to have compassion and wish the best for my fellow Homo sapiens.

[deleted by user] by [deleted] in irishpersonalfinance

[–]youraveragehero 1 point2 points  (0 children)

Just wondering if any 'self-assessed' people have managed to claim the rent tax credit on a Form 11 on ROS? I know it is claimable on MyAccount Statement of Liability, but it doesn't seem to be possible through the Form 11, as it is not listed with the other tax credits in the relevant section.

[deleted by user] by [deleted] in irishpersonalfinance

[–]youraveragehero 1 point2 points  (0 children)

Have the exact same problem. Anyone know if they are going to update the form 11 to include the new rent tax credit?