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  1. R

    PRSA To Choose My Own Investments

    Update on this. I reached out to Davy. They have told me I need to obtain a Certificate of Benefit Comparison to transfer the pension to them. The cost is 1% of the value of the pension + VAT. Is this accurate? I have a UK occupational pension that I transferred to the PRSA equivalent (it's...
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    PRSA To Choose My Own Investments

    I have a pension from a previous employer (large 5 digit amount) that has done virtually nothing with regard to performance in the last 5 years. After such a long period of very poor performance, I have decided to move it to a PRSA where I can choose the investments. I want to purchase ETF's...
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    Taxation on distribution from Zamano liquidation

    Hi, I have a few shares in the Irish listed company, Zamano, who are currently in the process of liquidating their entire business and returning remaining cash to shareholders. I expect that at some point over the next month or so that I should receive that distribution. I am wondering can...
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    Minister Donohoe admits pension hit to women is 'bonkers'

    Just did some calculations on my only person situation. I started work full time at 24 with no gaps since. If I work full-time continuously between now and 67, I will still not have enough contributions under the current system to get the full state pension, despite having 43 years of Class A...
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    Minister Donohoe admits pension hit to women is 'bonkers'

    They have records going back to 1999 for me. If you have a mygovid.ie account, you can check them for yourself at www.mywelfare.ie
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    Minister Donohoe admits pension hit to women is 'bonkers'

    It's funny you should bring this up, I was thinking the exact same thing. I started working part-time at 15 in 1999 and had a very patch employment status for the next 9 years with lots of J contributions (not counted for the pension) but very few A contributions (these are the ones counted for...
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    Thinking of investing in shares - small amounts

    Starting off with such a small amount of money, it would make sense for you to buy an index fund rather than individual shares. If you're investing small amounts often, then Degiro might be a good option for you as you can invest in some ETF's without a charge. www.degiro.ie
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    Want to Invest but worried about Markets

    The folly of market timing. If you had invested a portion of your savings in the Vanguard Total Stock Market ETF as of when you created this thread, you'd be up about 6%.
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    New Sunday Times Feature - Diary of a Private Investor

    Just wanted to say I really enjoyed this discussion, it has confirmed a lot of what I have learned in the 10 years since I first started investing. 1. I have found one of my biggest mistakes in investing is selling winners too soon. When I examined the winners I have had in my portfolio, I have...
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    Difficulty Evaluating Ireland Funds (versus US Mutual Funds)

    You can get quotes on Bloomberg for some funds/indexes. e.g. http://www.bloomberg.com/quote/ILIIGEC:ID Use the CUSIP from the fund fact sheet to search the Bloomberg website.
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    New Vodafone Share Dealing Service - Sell 152 Shares or Buy More?

    Another question, maybe someone can help. To minimize costs, would it be possible for family members who all own Vodafone shares to transfer their shares to the one person for free? That might go some way to minimizing costs?
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    New Vodafone Share Dealing Service - Sell 152 Shares or Buy More?

    Because share dealing costs will take a far too large percentage of your capital. e.g. you invest €200, a dealer might charge a fee of €20 to buy, leaving you with €180 worth of shares. Even if you made a 20% gain on the shares, by the time you come to sell, you will have to pay another €20 -...
  13. R

    32 year old, hopes to semi retire by 40

    That link is a little fluffy. This one is a little more extreme, but very interesting - www.earlyretirementextreme.com
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    Walking away from debt

    Yep, people seem to forget this. The bank took a risk with their capital to lend money to people with the expectation of a profitable return. If the banks exercises poor judgment, they should shoulder the losses. This is how the banking system has always worked.
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    Mortgage - what's the chances

    You're going to need to be with the company for 1 year before most banks will consider you for a mortgage.
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    Are auctioneers really that busy?

    Sorry, but that's ridiculous. If I was an EA and I got a text from someone I didn't know from Adam requesting to view a house at 7:30pm some night, I would probably reschedule. On the other hand, if I knew the buyer, knew he was mortgage approved, knew he was serious about buying a property...
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    Are auctioneers really that busy?

    Why not just pick up the phone? If you're serious about a property, then there's no reason not to just ring the agent with a list of prepared questions. Agents are always going to be that bit more receptive and will provide a better feel for a property when confronted over the phone (or better...
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    Has anyone recently been approved or applied for a Mortgage??

    I got approved for a mortgage with NIB on a property with an LTV of 80% over a term of 20 years. Had a regular savings history and was borrowing just under 3 times my income so the application was pretty much straightforward. Didn't waste my time with a broker, they can no longer get the...
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    Measures to return Ireland to economic stability

    shnaek: The only way that politicians could push through such draconian measures would be by also providing a top-to-bottom reform of modern Ireland. This would mean that criminal bankers, developers and politicians would be brought to trial to face up to their negligence that has plunged us to...
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    Measures to return Ireland to economic stability

    online, believe me, I do understand, I have been through this before. I sincerely believe that we have almost run out of alternatives though.
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