Since June 2021 Google have stopped offering free unlimited photo storage. This was one of the killer features of Google Photos. A lot of people are going to be paying for storage. For small amounts, its not too bad. 100gb is about €20 a year. It will add up over…
I got an email today from William Hill, they were asking me to update the KQCs for their casino offer. Basically, its the extra text where you have to put the main terms of the offer below any advertisement. Bet365 call this the short terms, I guess KQC is the…
I recently did an interview for a FIRE (Financial Independence, Retire Early) site called Firedave.com Today Dave answers the same question set he sent to me. Who are you, and how did you discover fire? I am Fire Dave and had already been working a lot of the concepts and…
During the pandemic share trading has become more popular. With all the meme stocks, bull market and money printing, the stock market has actually been a great place to invest your money. Whether at the time of writing in October 2021 that still holds is an open question. The conventional…
I have a buddy called Mike who has a 9 year old boy in y4. As part of his maths homework he got this question, Challenge Using the digits one to eight, how many different ways can you find to make two numbers whose sum is nine thousand, nine hundred…
I am active in the FIRE community here in Ireland and specifically, Limerick. There was a discussion about a new broker called Bux Zero. No one had used them so I thought I’d sign up to test it. The first thing I’d say is the usual disclaimer, this is not…
If you are like me and think crypto is just one big Ponzi scheme waiting to collapse, then you might want to try to profit from its collapse. The problem is that markets can stay irrational longer than you can stay solvent. With the wild swings in BTC prices, unless…
I’ve written a couple of posts about spread betting as my preferred method of investing in the stock market due to its tax benefits. Most people will overlook it though as it’s got betting in its name. Maybe if they rebranded it to spread investing, then more people would open…
I wrote a post about spread betting as an investment yesterday and thought I would follow it up with it being an alternative to ETFs in Ireland. ETFs in Ireland outside a pension are awful investments. They charge something called exit tax which is 41%. If that wasn’t bad enough,…
One thing about living in Ireland is the really high tax rates compared to the UK. Deductions are 52% once you hit €34k, which is crippling as the limit is so low. Compared with the UK, where you can earn £50k. On investment income, you pay 33% Captial Gains Tax…
I’ve been following crypto since 2017 and joined in the bubble then. I still have some coins in Binance. I have since had a good look at the market and have concluded it’s all a big Ponzi scheme propped up by a stable coin called Tether. This view is becoming…
In loving memory of my big sister I created this site [maxbutton id=”1″] In loving memory of Lan Luong, Lan Dunstan or Ella Dunstan however you knew her. Born 8th January 1972 in Hanoi Vietnam, Lan and her family moved to the United Kingdom via Hong Kong in 1980. Her…