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  1. 5

    Retiring early – How did you do it ?

    general comments. How I got here : maxed pension contribution I recall employer used to able to give bonus into pension without impacting max contributions. not sure if still can do this paid off mortgage ASAP Never took out any loans other than mortgage Payoff credit card in full every month...
  2. 5

    The ultimate pension freedom: Retire in Portugal and reduce your tax

    Thanks slim i would guess the 3 years has to do with period needed to lose tax residency?
  3. 5

    The ultimate pension freedom: Retire in Portugal and reduce your tax

    Bumping to see if Anyone on Aam has done this ?
  4. 5

    Can i stop worrying abut money?

    yes thanks
  5. 5

    Can i stop worrying abut money?

    OP updated Age: 53 Spouse’s/Partner's age: 51 Annual gross income from employment or profession: 0 unemployed Annual gross income of spouse: being made redundant 1k employment benefit for 9 months then assume 0 Monthly take-home pay 3300 per month Type of employment: n/a In general are...
  6. 5

    Can i stop worrying abut money?

    52andout here Just coming back with another question rather than starting anew thread Our Details as per Opening post except Wife losing job next month. Redundancy minimal - statutory. - see below Question: Should I draw down from pension funds or use my savings to fund our 2018+...
  7. 5

    Safest way to hold shares

    Thanks for info sunny and Brendan . I'll have to reread to get my head around it all ..,
  8. 5

    Safest way to hold shares

    I am novice , relative to others here, I am sure in terms of practical individual share investment ( I know the theory but have mainly deposits).... and thinking of investing in more shares. My concern is a 3rd party issue (stockbroker/custodian going bust or subject to a fraud) Currently I...
  9. 5

    Funding a pension in Switzerland

    ( 65% of current income - state pension entitlement ) / 0.03 Looks like 3% is the minimum annuity rate rather than "minimum return" Is state pension not 233.3 x52 x2 if both get it so 24k approx?
  10. 5

    Review of our financial status

    FYI as mentioned a few times : Dublin private school fees oct 2014 cannot post link yet Alexandra College Dublin – €6,785 Rathdown School Glenageary – €6,552 St. Andrews College – €6,400 St Columba’s College – €10,353 St. Kilian’s German School – €4,500 Sandford Park School – €7,000 The...
  11. 5

    Can i stop worrying abut money?

    Thanks for suggestions .ALL Very helpful. I Agree don't need to to worry more about money . I will pursue the following: Holiday of lifetime spend even if aleady allocate 8k for holidays!! V de P agree v good Fitness will do some 5ks as pretty fit already Re teaching why no chance ?
  12. 5

    Can i stop worrying abut money?

    Just few updates 1) expenses coming in a bit ahead of projected but not enough to worry me 2) DC Pensions gone to 700k from 650k 3) Interest rates have gone even lower and savings certs maturing with nowhere to go . 4) This has been bothering me, Any suggestions in voluntary sector with good...
  13. 5

    The ultimate pension freedom: Retire in Portugal and reduce your tax

    Not sure you can get drawdowns from arfs in Ireland paye tax free if you live abroad as revdbue wont issue Certs. Revenue do only for annuity I believe (where you live abroad ). Afaik
  14. 5

    Can i stop worrying abut money?

    Thanks for thoughtful comments guys and offer from vinny . I think I'll stay off the grid for now thanks .
  15. 5

    Can i stop worrying abut money?

    I agree with that idea and think most but not all are . i will check Again I agree. v useful read thanks
  16. 5

    Can i stop worrying abut money?

    [QUOTE="mtk, post: 1473616, member: 41262"] The main risks you face imho are inflation impact on bank deposits/savings certs DB scheme not funded when you retire rising education costs partner/wife loses job mtk I agree with those points very perceptive of you Anyone any thoughts on what i...
  17. 5

    Can i stop worrying abut money?

    Age: 52 Spouse’s/Partner's age: 50 Annual gross income from employment or profession: 0 unemployed Annual gross income of spouse: 48k Monthly take-home pay 3300 per month Type of employment: private sector In general are you: (a) spending more than you earn, or (b) saving? spending >income...
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