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I’ve never heard any of the rugby fans here giving out about this so assume ye are all part of the problem
‘A pub with a match on in the background’: Readers’ views on rugby internationals at the Aviva Stadium
From alcohol bans at seats to much ado about nothing, readers give their opinion on the Dublin stadium’s matchday experience
An isolated incident at a match I was at recently involved a young gentlemen buying trays of drink all match for him and his family. The constant standing up and obstruction of view was already annoying as it was, seeing as he was in the row in front of us and couldn’t even wait for a stop in play, but midway through the second half we realised that he’d urinated on himself.
It was only after he next went out to get another tray and proceeded to spill that one on others seated that the steward confiscated the drink from him and [he] was told to remain seated from there. As a French fan recently described the Aviva to me, it’s not a rugby fortress, it’s a pub with a match on in the background. Great legacy by the IRFU. – Bill, Dublin
Will you ever fuck off with that shite... you are easily one of the worst posters on here for this-Pokerhand
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How can someone tell urine stain from a beer spill ?
Also surely you've heard of ' sample size' when reaching a conclusion.
People will complain about anything ? If you go to a match and cant stand up for seconds at a time maybe stay at home. Its part of the experience.
i prefer not to drink in the seats as going to the loo is a pain in the arse when its a good game.
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I feel like I must either have entered some parallel universe or else I'm having delusions. I can hear SF voices on the radio talking with great sanctimony about standards in public office when it comes to funding political parties.
But that can't be happening, can it? Unless my calendar has malfunctioned and it's April 1st."We are not Europeans. Those people on the continent are freaks."
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Originally posted by 6starpool View Post
You planning/hoping to retire a bit early when it comes to it, or keep trucking until 65 or so?
If I hit my mid-50s with:- house fully paid off mortgage-free and all major works complete
- a pension pot that would afford me to have a decent lifestyle (for me, that would be somewhere in the range of €1-1.4m. People go nuts overestimating how much money they need in retirement - from the age of about 72 on, you'll be much less active. I also on principle don't want to go from being a high taxpayer in my working life to being one in my retirement!)
- kids college years paid for (after that, they're on their own I would hope)
Obviously there's plenty more variables.
Mrs D3 probably wouldn't be in the same position, given she is a PS worker. Who knows what kids will be doing as adults. What will happen in the markets to influence the size of my pension. Do I still enjoy working. etc etc
The biggest variable of course is health."We are not Europeans. Those people on the continent are freaks."
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Originally posted by Raoul Duke III View PostI feel like I must either have entered some parallel universe or else I'm having delusions. I can hear SF voices on the radio talking with great sanctimony about standards in public office when it comes to funding political parties.
But that can't be happening, can it? Unless my calendar has malfunctioned and it's April 1st.
What makes it even odder is that Zahawi unpaid his tax by 3.4m and there is nothing about it in the media over there really.
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I plan to retire with the bare minimum cashwise . Ive blown a fortune on my leisure over the years , especially in my msft days . Zero regrets, wish i could remember more. . If I'm around when its college time the world will be a different place. My interests will be introspective and cheap. My kids can do circus tricks for cash ( if their antics today are anything to go on ) .
The missus will be well off i guess but by then she will have deserted me for a less demanding AI robot.
It will be a different world in a very short space of time - dont sweat too much.
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Originally posted by Raoul Duke III View Post
I am a planner by nature but the true answer is 'I don't know but my goal is to be in a position to have a genuine choice in the matter'.
If I hit my mid-50s with:- house fully paid off mortgage-free and all major works complete
- a pension pot that would afford me to have a decent lifestyle (for me, that would be somewhere in the range of €1-1.4m. People go nuts overestimating how much money they need in retirement - from the age of about 72 on, you'll be much less active. I also on principle don't want to go from being a high taxpayer in my working life to being one in my retirement!)
- kids college years paid for (after that, they're on their own I would hope)
Obviously there's plenty more variables.
Mrs D3 probably wouldn't be in the same position, given she is a PS worker. Who knows what kids will be doing as adults. What will happen in the markets to influence the size of my pension. Do I still enjoy working. etc etc
The biggest variable of course is health.
The more near-term issue that needs to be resolved is what we plan to do on the house front.
I think we’ve ruled out an extension so it largely comes down to whether we decide that we’re happy with the space we have or we want to move.
If it’s the former, then mortgage free in the short-mid term is achievable but I think a move is the most likely outcome so who knows.
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Originally posted by Murdrum View Post
That very much captures my thoughts around it. Wife in a similar position and I’ve largely bucketed the finances in a similar way.
The more near-term issue that needs to be resolved is what we plan to do on the house front.
I think we’ve ruled out an extension so it largely comes down to whether we decide that we’re happy with the space we have or we want to move.
If it’s the former, then mortgage free in the short-mid term is achievable but I think a move is the most likely outcome so who knows.
Obviously if the answer to the first question is 'zero', then your flexibility is massive."We are not Europeans. Those people on the continent are freaks."
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Ugh, my pension pot is so small compared to those numbers, I am really really playing catchup due to lack of focus. Depressing to contemplate!
All Argos shops in Ireland to close by the summer, that is not good at all, was one of the few B&M retail options where semi-decent prices could be had. Amazon will just profit more in my case.
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How is your pension apportioned after you retire in the private world? Is it possible to run out of $ before you croak? If a PS hero like myself was to compare with those numbers, would it be just a case of multiplying the amount I get a year by the number of years from retirement to EV death?
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Originally posted by zuutroy View PostHow is your pension apportioned after you retire in the private world? Is it possible to run out of $ before you croak? If a PS hero like myself was to compare with those numbers, would it be just a case of multiplying the amount I get a year by the number of years from retirement to EV death?- Do you have a Defined Benefit pension? (very few private sector workers do now, but that's basically what you PS lot get. It's like winning the lottery, then finding next week's numbers.)
- Assuming the answer to (1) is no and you have a Defined Contribution pension like most of us (i.e. self-funded, with hopefully the employer contributing some), then are you planning to convert to an Annuity or an ARF when you retire? If ARF, then in theory you can run out of $$$ but the upside is you can pass on any balance to your heirs, and also avail of market upside after retirement.
So, if you have a pot of 1.4m on retirement (say):- Take your 25% lump sum. In this case 350k - but you'll only get 320k into your pocket as you pay 20% tax on the amount >200k. Give to GAB to buy a horse.
- Stick the rest in an ARF. 1.05m
- Take 4% p.a. out of that so approximately 40k income p.a. (remembering you will also get the state pension after age 66). You can increase this withdrawal ratio over time.
- Pay your taxes annually (should be smallish on an income of 40k)
- Should be good...
"We are not Europeans. Those people on the continent are freaks."
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Originally posted by Raoul Duke III View Post
it's.....universal
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Originally posted by Solksjaer! View Post
For now . Not many young uns around to pay . In my view there should be some menial 8 days a month work to be done that can be made available for retiring folk who might need/want to be kept busy. PS of course . Need some creative thinking . A kind of reverse internship . Voluntarily of course .
Pensioners loooooooove voting."We are not Europeans. Those people on the continent are freaks."
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Messing with the pension age seems to be sacrosanct at the moment, but there may (even probably) come a time when it can't be ignored any more with the increase in pensioners and reduction in tax payers. Probably won't be a massive issue for the next 10-15 years in Ireland but it'll definitely start to bite then.
I won't (barring favourable stocks winds over a long period) have anything like 1m in a pension pot, but would hope to be in the 6-800k range, with half of an apartment to sell too at that point for a nice bump, so should be OK hopefully. Have to worry about living that long first though, and along the way finding a way to keep working without wanting to kill others or myself. I certainly won't work (at my current thing anyway) longer than I have to, so if it was viable (spoiler: it won't be) to retire at 60 or earlier I certainly would.
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Originally posted by 6starpool View PostMessing with the pension age seems to be sacrosanct at the moment, but there may (even probably) come a time when it can't be ignored any more with the increase in pensioners and reduction in tax payers. Probably won't be a massive issue for the next 10-15 years in Ireland but it'll definitely start to bite then.
Originally posted by 6starpool View PostI won't (barring favourable stocks winds over a long period) have anything like 1m in a pension pot, but would hope to be in the 6-800k range, with half of an apartment to sell too at that point for a nice bump, so should be OK hopefully. Have to worry about living that long first though, and along the way finding a way to keep working without wanting to kill others or myself. I certainly won't work (at my current thing anyway) longer than I have to, so if it was viable (spoiler: it won't be) to retire at 60 or earlier I certainly would.
Lots of (mainly men sadly) come out of high-flying careers and retire early, thinking everything will be wonderful. And are then dead not long afterwards as they literally can't handle the lack of focus to their day. Hence why Solks is likely onto something with the volunteering idea.
Also I imagine a lot of people get to that point and realise, now they are spending much more time with them, that they really dislike their spouse."We are not Europeans. Those people on the continent are freaks."
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Thanks for taking the time to write that. Interesting to hear you talk about the 40k mark as I had kind of settled on similar. Probably would leave me in a spot where I can decide at 60 whether or not to keep going (to work, not living, thankfully!). As long as I don't do anything stupid like buying a plane...
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Originally posted by Raoul Duke III View Post
When you're in the daily grind, nothing sounds more enticing than early retirement. But you really have to have a retirement plan. Like 'how am I going to fill my days, what activities am I going to do and with whom?'
Lots of (mainly men sadly) come out of high-flying careers and retire early, thinking everything will be wonderful. And are then dead not long afterwards as they literally can't handle the lack of focus to their day. Hence why Solks is likely onto something with the volunteering idea.
Also I imagine a lot of people get to that point and realise, now they are spending much more time with them, that they really dislike their spouse.
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Always love this story when talk of retirement comes up -
An American investment banker was taking a much-needed vacation in a small coastal Mexican village when a small boat with just one fisherman docked. The boat had several large, fresh fish in it.
The investment banker was impressed by the quality of the fish and asked the Mexican how long it took to catch them. The Mexican replied, “Only a little while.” The banker then asked why he didn’t stay out longer and catch more fish?
The Mexican fisherman replied he had enough to support his family’s immediate needs.
The American then asked, “But what do you do with the rest of your time?”
The Mexican fisherman replied, “I sleep late, fish a little, play with my children, take siesta with my wife, stroll into the village each evening where I sip wine and play guitar with my amigos: I have a full and busy life, señor.”
The investment banker scoffed, “I am an Ivy League MBA, and I could help you. You could spend more time fishing and with the proceeds buy a bigger boat, and with the proceeds from the bigger boat, you could buy several boats until eventually, you would have a whole fleet of fishing boats. Instead of selling your catch to the middleman you could sell directly to the processor, eventually opening your own cannery. You could control the product, processing, and distribution.”
Then he added, “Of course, you would need to leave this small coastal fishing village and move to Mexico City where you would run your growing enterprise.”
The Mexican fisherman asked, “But señor, how long will this all take?”
To which the American replied, “15–20 years.”
“But what then?” asked the Mexican.
The American laughed and said, “That’s the best part. When the time is right you would announce an IPO and sell your company stock to the public and become very rich. You could make millions.”
“Millions, señor? Then what?”
To which the investment banker replied, “Then you would retire. You could move to a small coastal fishing village where you would sleep late, fish a little, play with your kids, take a siesta with your wife, stroll to the village in the evenings where you could sip wine and play your guitar with your amigos.”
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Originally posted by Raoul Duke III View PostYou can see why people take up (shudders) golf, all the same. Although that's pretty much the same as being dead, or maybe worse.
Getting into poetry lately , some stunning audio olde odes to lull me asleep .
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I think most if not all of us should be working off the basis that there will be 0 state support by the time we reach an age where we could theoretically avail of it.
after that 4% or 3.5% for the cautious amongst us should see the vast vast bulk of people fine for the duration of however long their retirement is. A big piece to consider is how you (and your partner if applicable) feel about inheritance.
lots of people still at the grindstone because they want to leave a chunk of something behind, which is fine of course. The other way to look at it though could shave 10/15 years off your working life depending on your openness to potential destinations and your final cheque bouncing
I think the biggest stress is the lack of knowledge. Not knowing if you need to fund 10 years or 40 years means taking a more conservative approach than you might like.
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Originally posted by Iago View PostI think most if not all of us should be working off the basis that there will be 0 state support by the time we reach an age where we could theoretically avail of it.
after that 4% or 3.5% for the cautious amongst us should see the vast vast bulk of people fine for the duration of however long their retirement is. A big piece to consider is how you (and your partner if applicable) feel about inheritance.
lots of people still at the grindstone because they want to leave a chunk of something behind, which is fine of course. The other way to look at it though could shave 10/15 years off your working life depending on your openness to potential destinations and your final cheque bouncing
I think the biggest stress is the lack of knowledge. Not knowing if you need to fund 10 years or 40 years means taking a more conservative approach than you might like."We are not Europeans. Those people on the continent are freaks."
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Originally posted by Raoul Duke III View Post
But if you have the flexibility (which may increasingly become 'a thing') to say retirement isn't a terminal state but that you can choose to work a bit, then surely those perceived risks are mitigated?
Finding what that something is and being able to monetise it while only committing a certain amount of hours to it is… complicated.
In practice i’ve found that you get very used to your time being your own but as I alluded to before, it’s very easy to become very lazy mentally.
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Originally posted by Solksjaer! View PostNot many obese pensioners v obese middle aged folk. Something us aging fatties need to consider .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.
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Originally posted by Iago View Post
exactly that. The terminology is all wrong. Instead of retirement we should be talking about changing to something you want to do and that you occasionally get paid for.
Finding what that something is and being able to monetise it while only committing a certain amount of hours to it is… complicated.
In practice i’ve found that you get very used to your time being your own but as I alluded to before, it’s very easy to become very lazy mentally.
When I think of retirement I think of a house by the ocean, surf/swim in the morning, golf in the afternoon, potentially BJJ at night (picked this up recently and can feel myself getting utterly addicted). I think for cash I'd do the Club/Teaching Pro route and get my PGA card and teach golf to supplement income.
All a pipe dream at the moment. But ya need something to aim for, right?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.
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Iago as a man who's seemed to got it figured.
Whats the worst thing about your semi work/retirement situation? I suspect its that other Spanish retirees are better ballers than you. but seriously.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.
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Originally posted by Raoul Duke III View Post
I am a planner by nature but the true answer is 'I don't know but my goal is to be in a position to have a genuine choice in the matter'.
If I hit my mid-50s with:- house fully paid off mortgage-free and all major works complete
- a pension pot that would afford me to have a decent lifestyle (for me, that would be somewhere in the range of €1-1.4m. People go nuts overestimating how much money they need in retirement - from the age of about 72 on, you'll be much less active. I also on principle don't want to go from being a high taxpayer in my working life to being one in my retirement!)
- kids college years paid for (after that, they're on their own I would hope)
Obviously there's plenty more variables.
Mrs D3 probably wouldn't be in the same position, given she is a PS worker. Who knows what kids will be doing as adults. What will happen in the markets to influence the size of my pension. Do I still enjoy working. etc etc
The biggest variable of course is health.
Are you really gonna spend 40k with no housing costs? And you should be drawing the principal over time. Otherwise you've saved (worked) too much.
Last edited by Denny Crane; 19-01-23, 16:58.
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Originally posted by Dice75 View Post
Same really. I'm contemplating sticking it on one of Balfejohns tips to play catchup"We are not Europeans. Those people on the continent are freaks."
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Jesus, Alec Baldwin is getting charged with involuntary manslaughter.
in Texas too, so they probably lock you up for 50 years and then behead you."We are not Europeans. Those people on the continent are freaks."
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Originally posted by Raoul Duke III View PostJesus, Alec Baldwin is getting charged with involuntary manslaughter.
in Texas too, so they probably lock you up for 50 years and then behead you.
Gone full 'Glinner' since June 2022.
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Originally posted by ComradeCollie View Post
Says max 18 months in the article. Doubt he do any jail time even if found guilty."We are not Europeans. Those people on the continent are freaks."
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Originally posted by Iago View Post
exactly that. The terminology is all wrong. Instead of retirement we should be talking about changing to something you want to do and that you occasionally get paid for.
Finding what that something is and being able to monetise it while only committing a certain amount of hours to it is… complicated.
In practice i’ve found that you get very used to your time being your own but as I alluded to before, it’s very easy to become very lazy mentally.
Last year he did a tour guide course. Spent his vacation last year as a tour guide driving rich yanks around in a blacked out mini bus. He likes it and would be great at the auld story telling bit. Nice money in it he says. I guess it helps that he is a guard from the security aspect. He is also planning to get HGV licence.
When he retires he wants to have option of working a bit when he feels like it as you say. Can beat the boredom if necessary and top up his income. Always was a smart lad. Wife a nurse of course although they didn't meet in Coppers.
Always concerned when people say "I'm going to take this and that up" after I retire. Rarely happens. If you are not doing it and liking it before you retire you probably won't after you retire. Having a full life outside of work is vital to a happy retirement IMHO.Happiness is not a goal; it is a by-product. ~Eleanor Roosevelt
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Originally posted by 6starpool View Post
I know of one person (I believe), but free tickets are a little under their paygrade.
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Originally posted by Denny Crane View Post
Depending on your obligations to your children, you could get by with much less than that imo
Are you really gonna spend 40k with no housing costs?
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Originally posted by Wombatman View PostAlways concerned when people say "I'm going to take this and that up" after I retire. Rarely happens. If you are not doing it and liking it before you retire you probably won't after you retire. Having a full life outside of work is vital to a happy retirement IMHO.
Before retirement, you might have feck all (working long hours, commuting, kids). After, you might have nothing but.
"We are not Europeans. Those people on the continent are freaks."
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Originally posted by Theresa View Post
This is how I look at it.
When I think of retirement I think of a house by the ocean, surf/swim in the morning, golf in the afternoon, potentially BJJ at night (picked this up recently and can feel myself getting utterly addicted). I think for cash I'd do the Club/Teaching Pro route and get my PGA card and teach golf to supplement income.
All a pipe dream at the moment. But ya need something to aim for, right?"We're not f*cking Burundi" - Big Phil
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Originally posted by Raoul Duke III View Post
There is the dimension of available free time to consider.
Before retirement, you might have feck all (working long hours, commuting, kids). After, you might have nothing but.
"We're not f*cking Burundi" - Big Phil
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I have practically been retired the last 2 years, havent a clue where that time has gone actually, jan 21 when the rona was rampant i was considered high enough risk to not be on site, process technician so couldent exactly wfh, they were happy to pay me full wages so why would i complain...ff to june 22, 18 months later and covid is over so come on back they say, I say no thanks...im happy out where i am
OK so, you will have to go on the sick scheme, got cardiologist involved and company were happy enough to pawn me off to insurance provider who they use for income continuance, including social welfare and what they will pay me, through the job, so i maintain health care and pension contributions, defined benefit by the way..., and xmas vouchers ill have you know, shortfall of about 200 a week and i dont have to work nights or weekends...or days technically...or ever again.
Had to go meet an independent medically assessor last month and he was giving nothing away, hard to tell a doctor why you cant work anymore when you look fit and well, on the way out he winked at me and said, you have only one life ! one can only hope his assessment tied in with cardiologists.
Was hoping for a definite answer start of this month but its still down for a decision from their CMO. Would have been a nice birthday present, 50 this sunday, but will hold back the celebrations a few weeks still.This too shall pass.
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You pose an excellent question though, and certainly there are elements that are very different than I expected but that probably isn’t a huge surprise when I really think about it. On the whole I’m very happy with my decisions to date and I don’t have anything that keeps me awake at night.
that being said the worst thing in the actual present is having to choose between things as opposed to doing/buying/getting all of them…a common lament in houses up and down the land The worst thing overall is definitively the uncertainty and the balance between fomo and going broke. Much like gambling, the highs don’t boost you as much as the lows drag you down.
Even with all that though, I’m very happy and relaxed on a daily basis and i’d no nothing differently because I firmly believe that if push comes to shove, there’s always more money to be earned.
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