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    Where to next .... Starting Financial Plan at Mids 30s

    If I understand correctly, the OP are a couple that may not want children, so the biological clock warning is irrelevant. Travel cost of 8k seems high but in the absence of child-related expenditure perfectly reasonable. Life is for living. I also would like to understand how much is saved up...
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    Views on our financial position please

    Yeah this is sort of what I'm driving at. As far as I'm concerned the primary residence is not an asset but an ongoing cost, and one on which they owe ca. 700k if I remember rightly the OP. I don't think they own any of their properties outright. These are all debts as things stand and high cost...
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    Views on our financial position please

    @Barbara Bunter I take home a little more than you. I have several thoughts, which you are free to disagree with. You don't seem to have an emergency fund. You owe an awful lot of money whatever way you slice it. Your monthly expenses are on the high side. I don't spend anywhere near 4k per...
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    ExPat/Non-Resident ETF Advice

    I buy from the Amsterdam exchange (VEUR and VETY); the Frankfurt exchange (EXHB); and the London exchange (VUSD & VDEM).
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    ExPat/Non-Resident ETF Advice

    Have you read Andrew Hallam's book on investing for expats?
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    Investment account for children

    Hi I am wondering if there is such a thing as a tax-advantaged investment account Irish parents can open to invest for milestones in their children's lives, namely university. I live abroad and can open a regular investment account here, but if there is a tax-advantaged option for Ireland-based...
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    When or if to have a second child

    Thank you Purple for your understanding and excellent advice.
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    When or if to have a second child

    I don't reject it; I just don't see why you profer this unsolicited perspective while ignoring my actual question when I am asking about finances on a financial forum. Do you send those articles to everyone you know in real life who might be thinking of having a child, such as your siblings...
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    When or if to have a second child

    Condescending and sensitive much? There is only 'mat leave', as you say, of 45 days (including weekends) in the country where we live. She took all the 'mat leave', as you say. Then she decided she would like to be a full time mother. Is that ok with you? Why assume she's alone? Do you think the...
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    When or if to have a second child

    Thanks. I suppose a key difference is that I am not contributing to PRSI and as things stand will not qualify for a pension from the state.
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    How to start with Vanguard index funds for Irish citizen in Switzerland

    Liam Before you invest in anything you need to find out what an exchange is and what distributions are! Exchange = stock exchange. Vanguard ETFs in Europe (for example VEUR) can be bought off the Amsterdam exchange in euros, the London stock exchange in pounds, or the Swiss exchange in francs...
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    When or if to have a second child

    Yeah to be honest I am one of those who wouldn't consider someone wealthy unless they basically could afford to stop working and live off their existing wealth. I just don't think anyone can rightfully consider someone relying on income from a salary as wealthy. Income this year might be solid...
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    When or if to have a second child

    When you state you are mortgage free and have 3-400k in savings, are you including the value of your private pension in that? If yes, I take some comfort from your post. If you have extra monies in a private pension, you're very far ahead of me.
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    When or if to have a second child

    It could be 55k; it could also be 45k. Not sure. Unlikely to be more than 55k. I do not really consider myself better off than the vast majority. I have 300k saved up and I am adding around 70k per year right now. I do not consider this my default state of affairs. I have had good fortune over...
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    When or if to have a second child

    Hi All This seems the best forum for this thread. The issue of whether to have a second child is, for me, a financial one. Emotionally, my wife and I would like to have a second and our relationship is very solid and generally excellent. If we had a lot of money, we would easily have four or...
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    Concerned about parents' pension

    My father is 59 and plans to retire at age 60 with a private pension retirement pot of 800k euro, which will be in a cash-based instrument when he retires. At age 67 he will receive a state pension of 23k euro per annum for the rest of his life. He plans to spend 50k per year when he retires...
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    Recommend Budgeting Software

    The best tool is Excel for maximum flexibility.
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    The cheapest PRSA?

    Not bad. So you can build a portfolio of Ireland-domiciled Vanguard ETFs for example. Doing this, you could generate a globally diversified portfolio for no more than 0.12% TER, in terms of Vanguard commission at any rate.
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    The cheapest PRSA?

    So, in a PRSA, can you build your own portfolio with, say, three or four different ETFs? What about rebalancing, i.e. are you allowed to sell some of one ETF to buy more of another ETF in one's portfolio? Do dividends generated by such ETFs incur a tax?
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    The cheapest PRSA?

    It's been a long time since this thread was updated; who are the cheapest PRSA providers now?
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