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    Return to office - but I want to remain fully remote

    Agree with most of that. Having reasonable and realistic managers has definitely smoothed our return to the office. The emphasis on return to work has been on collaboration and engagement rather than vague and threatening generalisations about underperformance to attendance tracking. For the...
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    Taxation of Illness Benefit?

    Yes, once you receive a DSP payment you will get your tax calculated on a Week 1 basis. When the payment stops, you will revert to cumulative.
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    Taxation of Illness Benefit?

    Consider the annual picture and then divide everything down by 12 or 52 depending on monthly/weekly pay etc. For income tax calculations: Step 1 is to calculate the tax owed to revenue which is based on your salary/income using the rate bands. Step 2 is to deduct your tax credits (which is...
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    Did anyone decide not to rent for 2 years?

    https://www.citizensinformation.ie/en/housing/owning-a-home/home-owners/renting-your-property-for-shortterm-lets/
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    Neutrality

    https://www.irishtimes.com/opinion/2024/03/09/as-the-eu-prepares-for-war-ireland-sticks-its-head-in-the-sand/
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    Mid 40's: how to maintain/max wealth + retire early

    Best piece of wealth advice on all of AAM!
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    Thoughts on the Single Public Service Pension Scheme (SPSPS)

    I think it would be wrong to state that "there's no other benefit". As I said, you're fixating on the notional rate. It's notional. It could be more (if there has been higher wage increases) it could be less (interest rates have gone up).
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    Thoughts on the Single Public Service Pension Scheme (SPSPS)

    The report is stating that the notional employer (i.e. public sector) contribution rate to the SPSPS is 9% vs the notional employer (i.e. private sector) contribution rate to the average DC pension scheme is 7%. ASC/PRD is not considered in the 9%, so would be 7% if you incorporate it now.
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    Thoughts on the Single Public Service Pension Scheme (SPSPS)

    ASC is the new PRD which is excluded from the analysis. I wouldn't get fixated on the absolute figure provided. The analysis is from 2017 with the all the assumptions that go with an actuarial analysis. Inflation, risk free rate, wage inflation, longevity assumptions etc. would be different...
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    Thoughts on the Single Public Service Pension Scheme (SPSPS)

    No, its 7%. SPSPS is post-2013. With all due respect, that's a bit of a meaningless question. It depends on what your own circumstances are and your financial objectives. When you know that, then you can evaluate if its worthwhile e.g. if you're not suitable to take on investment risk, then...
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    Thoughts on the Single Public Service Pension Scheme (SPSPS)

    The effective rates are c. 2% now, higher back in 2017. Its in the report. Well what's like for like? Personally disagree with broad public v. private sector wage comparisons because, well, they are not comparable IMO. When we compare pre-2013 scheme with private sector DB schemes the...
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    Thoughts on the Single Public Service Pension Scheme (SPSPS)

    However the pre-2013 notional contribution is weighted 2:1 to pre-2004 entrants. That balance is likely reversed now, if not far less but 24% is still high (19% less PRD) in any case. Interestingly, zero differential vs. private sector for notional contribution rate post-2013.
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    Referendums on 8th of March

    In fact "they" are not. There is huge disquiet within the membership of the Society about their public position. I know anecdotally and it was written about also. https://www.irishtimes.com/crime-law/2024/03/05/some-solicitors-unhappy-with-call-by-law-societys-council-for-yes-vote-in-referendums/
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    Pay AIB credit card with Revolut

    AIB are funny, there is an IBAN for payments from non-Irish accounts and from Irish accounts. There may be an issue paying from Revolut see this discussion on Boards. There is also an older AAM discussion. Use your card number as the reference. You may need to trial a few test payments so maybe...
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    What to do with extra cash?

    OP you haven't articulated any financial goals or lifestyle ambitions? While not helpful to the OP directly, have they got the balance wrong in managing their finances? Overcommitting to paying down the mortgage has resulted in tax relief forgone and now they are in a position that they have...
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    What to do with extra cash?

    Are you married to your spouse? If so, is she maximising her tax relief?
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    Bunq Paying 2.46% Instant Access & No Fees

    €1m per day - https://together.bunq.com/d/49784-what-are-my-daily-payment-limits
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    Bunq and salary

    Its an Irish Account. The BIC is BUNQIE22.
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    Advice on (i) Unlocking Pension to Repay debt and (ii) whether to keep RIP

    Apart from diversification of property type, location, tenant, hassle free professional management and twice the yield, what have the Romans ever done for us?! Selling the RIP is the financially sensible idea, as outlined. Even if you insist on being a property investor, there are better...
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