Is the online application process or the express route through the post office the best/easiest way to renew your passport nowadays or does it make a difference?
Done mine on phone last saturday, arrived on friday
Got gf to take pic as per the guidelines, rest was a matter of minutes.
Collected the car today absolutely love it. It's like a fucking mini pc. Chat away to it and it does everything. Not to fond of the lane assist thingy. You go over a white line on motorway and the steering wheel rattles kinda wondering are you doing something wrong. Anyhow it's a fucking fine car and I'm worth It
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Nice car , stop going over the fking white lines . Wimmin drivers gonna wimmin drive.
Ian Kelly of Turvey Avenue, Inchicore, Dublin has 10 previous convictions.
He said he would suspend the sentence because “there are positive features which would be utterly at risk, and to no great benefit to society if he was sentenced to jail”.
Really enjoying a new Netflix show, Godless, hopefully it gets a few seasons and gives deadwood a run for its money.
Surprised it has not been mentioned before.
Only fuckin with you pokerhand.
Ha, almost fell for that and was about to send an blistering respnse
In other news, landed in the auld soil today... been 16 months or so.... surprising felt quite emotional seeing the green fields from the air. Now savouring a pint (feck the jet lag)... great to be home for the holidays! Looking forward to seeing the old lad tomorrow.
Happy holidays everyone!!
No beast so fierce but knows some touch of pity, but I know none, therefore am no beast.
The women's flyweight has good potential imo. A friend of mine is ranked in the just announced top 10. she has a big fight next but a win puts her in title contention.
Originally posted by Hitchhiker's Guide To...View Post
Effective income tax rates as percentage of total income paid by income category (last column). Even someone on a tasty €100k a year pays an average of 21% income tax. No wonder ye have no public services.
Add USC and PRSI...
There is close to 0 chance I am paying more as a % of income as tax here in UK than I would at home.
Hmm, figures don't seem to stack up..
The average tax for €100-> €150k in that table is less than the tax paid on an income of €100k in Ireland 3 years later...
Unless this is the famous 'Tax Unit' we're talking about here and there's plenty of dual tax credits being caught up in the above?
Originally posted by Hitchhiker's Guide To...View Post
Effective income tax rates as percentage of total income paid by income category (last column). Even someone on a tasty €100k a year pays an average of 21% income tax. No wonder ye have no public services.
Pensions being tax deductible is surely the bulk of this, making it cost effective to save for retirement instead of the state supporting everyone is I imagine a huge plus to the public services that would be bust otherwise. Trusting the general population to look after themselves has been shown to be terrible policy.
Same as most countries in the world I would imagine.
Originally posted by Hitchhiker's Guide To...View Post
Yeah, these are tax units. Its what the average person in that income category really ends up paying (taking into account all the various deductions they can muster together). USC/PRSI adds about 9% to the tax of a person on €100k, meaning they'll pay 30% of total income on income tax / PRSI / USC. It's very very low.
They're the figures provided by the head of the fiscal advisory council, so presume they're proper figures.
I pay far more than 30% in tax (on the salary I pay myself which doesn't include my pension contributions) as a self employed person whose salary component is less than that band. I'd say I get to keep about 65% of the headline figure on my payslip.
Originally posted by Hitchhiker's Guide To...View Post
You know that tax calculator you provided is just the beginning of calculating your tax situation right? There's loads of deductions that reduce your effective tax rate. My table is a table of what the average person earning that amount of money actually pays in income tax, so you can't really say its wrong if it actually describes the current reality! Maybe it doesn't fit your precise situation, but I didn't say: here's a table of what emmet would pay in tax in Ireland. Its what the average person in that situation pays given all their circumstances.
Originally posted by Hitchhiker's Guide To...View Post
Not sure this is a good idea, but these are amazing. Got a gift of one recently and the kid absolutely adores it as they're so different. May not fit the Ozzie summer or indeed normally accepted fashion
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Probably work for the 6 y/o.
9 y/o is more of a tomboy type.
"We are not Europeans. Those people on the continent are freaks."
Originally posted by Hitchhiker's Guide To...View Post
Yeah thats probably about right. 12% pension or other deductibles. The original table didn't include PRSI/USC as it was only income tax. Pension clearly isn't a tax though, its you saving money for yourself, so that shouldn't be included in what the tax rate is.
Your pension is deducted before tax, reducing your tax liability. So it must be taken into account.
Worth bearing in mind now that the comparisons with other countries also have similar tax benefits for pension deductions. Meaning that, when the same 'non-shmuck' earns the same money in the UK/France as they do in Ireland, pay the same pension amount out each month etc, they still end up with a better take home % than Ireland. In fact, given that USC is effectively an Income Tax that takes no account of pension contribs, other countries get even more attractive once you're paying into your pension!
A lot of the reason for this is that Ireland doesn't collect anything from some of the lower deciles, 37% of Taxable units paying 0 income Tax. That adds up...
FF's game of tearing people out of the Tax Net has meant that the balance has become more lopsided than it needs to be. And has poisoned the debate on the matter too.
Originally posted by Hitchhiker's Guide To...View Post
@emmet - actually that table, I've just noticed, is for 2.1 million workers (left-most column), which is the amount of people that were employed at the time. So think its individual workers not household units, although some workers will of course be supporting a spouse who is staying at home, so they get the married couple allowance.
It's actually more than the #Employed persons now, never mind then.
Does say 'Tax Cases'. Some seasonal employment to be considered too perhaps?
Originally posted by Hitchhiker's Guide To...View Post
A person on 100k does not pay 39%. This is a table of what people actually pay. Schmucks pay 39%. People with deductions: pensions, mortgage, health insurance, married couple allowances, taxsaver tickets, etc, etc, pay far less than 39%. Indeed they pay 21%.
This table is only income tax, so USC/PRSI is another 9% on top = 30% total that the average person on 100k pays.
Like these are the actual percentages from the Revenue Commissioners of what people at each salary range pays. They're not wrong.
20% pension????! Thats very much a personal choice.
Wait to not be a schmuck I should get married, get a mortgage and have a long commute? Sounds like the dream. maybe add in a few prepubescent meat sacks. I'll practically be making money then.
Oh well, guess I'll stick with what I know and live this terrible life
Wait to not be a schmuck I should get married, get a mortgage and have a long commute? Sounds like the dream. maybe add in a few prepubescent meat sacks. I'll practically be making money then.
Oh well, guess I'll stick with what I know and live this terrible life
One man's commute is another man's me time with his music. The house has the puke virus now . I'm running scared . What to do, eat not eat ? I don't wanna dieeeeee
Originally posted by Hitchhiker's Guide To...View Post
Do you get an employer top up on that aswell? Had no idea people were saving those types of percentages in pensions.
Most people don't, not even close to what the above guys do.. I just pay what my employer will match but a lot of people won't even pay that much. It's so much free money for them so I don't know why.
Beat: Expected 10-30cm of snow here overnight though. Hope the airport can handle.
Brag: Home tomorrow. I'm very excited to sit and drink with the lads, get a round in with the oul lad, meet the nephew for the first time and basically stuff myself until I pass out.
Variance: -273.15
This may or may not be an original thought of my own.
All efforts were made to make this thought original but with the abundance of thoughts in the world the originality of this thought cannot be guaranteed.
The author is not liable for any issue arising from the platitudinous nature of this post.
As to this very boring debate, the key question you have to bear in mind (well, apart from 'when am I going to die?' which most people don't care to consider) is 'how big of a pension pot will I need to live comfortably off in retirement?'.
For any sort of a life, that needs to be 1 million+.
"We are not Europeans. Those people on the continent are freaks."
For any sort of a life, that needs to be 1 million+.
I know fuck all about pensions other than the public service one is probably decent because private sector workers complain about it.
Do you mean 1 million+ each? Assuming you make the average lifespan then you're talking 80k a year each. That seems like more than enough with no mortgage or kids to pay for.
Edit: Even full professors at the top of the scale don't get 80k pension a year in retirement.
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." (careca, 2012)
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