Bosco boy wrote: » I hate anyone who has a job and immediately call for the IMF to cut their pay by 50% regardless of what they do.
Bosco boy wrote: » I hate anyone
Bosco boy wrote: » I hate
Offy wrote: » So stop hating and put on a smile Mr. policeman. Its all good 50% spot on the ball. I'll vote for that.
gurramok wrote: » Surprised no-one picked up on this. Assuming net pay is correct before 'bills' and given the mortgage looks fair, fair enough. Now, what is this?? It ain't health insurance. It cannot be for a car, its far too high. Insurance Tax. 7000 which is 588 pm.
bamboozle wrote: » that's what i was thinking, medical insurance 3k, insurance tax 7k first of all dont all gardai have their own medicare scheme where they contribute a small amount each month, second of all 7k on 'insurance tax' what the hell is this? is there not a tax credit for GRA membership?
greenoverred wrote: » Tax, insurance, petrol, maintenance, depreciation.
Corvus Maximus wrote: » I'm sure my local Garda, who also happens to be my local electrician isn't short of a few pennies.
gurramok wrote: » 7k? Ah come on, what are you driving, a Ferrari?? I call baloney on that figure.
KerranJast wrote: » The only way a member of AGS could be struggling to pay bills is if they've a huge mortgage AND other property investments that have gone south.
audidiesel wrote: » Will people stop saying only 120 guards are in trouble. That's 120 guards who had their wages set up to pay bills that got no wages after those bills were paid. The majority of guards I know don't use this system. There are thousands of guards struggling with debt at the moment. Not just 120. I know as I'm definitely one of them! I know there are thousands of normal people struggling too by the way before someone points it out, but that's not the topic of this thread
Offy wrote: » No. Only 120 guards are in trouble. They should get cheaper bills, the Aldi type. Not Audi, Aldi!
Bosco boy wrote: » I call for an 80% pay cut for everyone on hearing this!
greenoverred wrote: » Petrol 80pw Tax/insurance 1000pa Maintenance 600pa Depreciation 1200pa Medical aid 62.38pw. Tax deducted at source By the way the 9000 figure for mortgage is quite low. Don't you think this could be increased a bit
bamboozle wrote: » 1200 for depreciation? who do you pay this to? if the car is losing its value by 1200 a year this has no impact on you annual take home pay it just means your car is worth 1200 less at year end, unless of course you are saving 1200 a year towards a new car??
greenoverred wrote: » So this imaginary medicare scheme you heard of doesn't exist. I never said the 1200 comes out of take home pay. I was asked how a car could cost 7000 per year. 1200 for depreciation on a car is low figure in my opinion.
So I'll take for example a Garda on €43,700 increases his/her pay to €50,000 with overtime, rent allowance, unsocial hours Taxable pay 50000 Paye. 7500 Pension. 3000 Pension levy. 3750 Prsi. 2000 USC. 2800. Take Home 30950 Rent/Mortgage. 9000 Med insurance. 3000 Insurance Tax. 7000 GRA. 300. Left Over. 11650 Car is needed to travel to work. Rent/Mortgage is what I think would be a modest mortgage. Could vary depending on station.
Petrol 80pw Tax/insurance 1000pa Maintenance 600pa Depreciation 1200pa
greenoverred wrote: » So I'll take for example a Garda on €43,700 increases his/her pay to €50,000 with overtime, rent allowance, unsocial hours Taxable pay 50000 Paye. 7500 Pension. 3000 Pension levy. 3750 Prsi. 2000 USC. 2800. Take Home 30950 Rent/Mortgage. 9000 Med insurance. 3000Insurance Tax. 7000 GRA. 300. Left Over. 11650 Car is needed to travel to work. Rent/Mortgage is what I think would be a modest mortgage. Could vary depending on station.
gurramok wrote: » Yes you did, you stated it was a bill of 7k Now you say Comprises of that 7k. How do you manage to spend nearly 320quid a month on petrol? Me thinks you need to cut down on the motoring lifestyle. 3k on Medical Aid. How many other people are you paying for? No wife around to help the bills??
Budget 2010 cut the pay of public servants by 5% on the first €30,000 of income, 7.5% on the next €40,000 and 10% on the next €55,000. Pension levy - 1st €15,000 exempt; 5% on next €5,000; 10% on earnings between €20,000 and €60,000; and 10.5% on earnings above €60,000 p.a.
g_moriarty wrote: » I'm certainly glad that in my chosen profession, I'm not swindled by this "insurance tax". I pay insurance (€500~year - male/29) and tax of €445 year totalling less than €1000. This "insurance tax" of €7000 would definitely make the other bills more difficult to pay each month.
HellFireClub wrote: » It seems to me yet again that the Gardai are trying to make the case for them to be sufficiently paid so that only one of the parents/couple has to work. That isn't the case for any other couple who are living on one average industrial wage, so why should it be the case that Gardai get paid better so that the rule of thumb that we have in this country which seems to be that if you have a family you need two parents working, why should Gardai be exempt from this, which is the norm for all other couples I know where there isn't an exceptional circumstance such as for example a high earner such as a GP, solicitor or a hospital consultant out earning the crust for the family???
angelfire9 wrote: » I'm a qualified accountant and I lost my job in May 2010 when the company I worked for closed its doors without notice and no redundancy either I would LOVE to be working and in the 10 years I've been married until last May I worked all the time (I took 2 weeks off before my first daughter was born and was back to work when she was 8 weeks old not withstanding the fact that I had another 4 months of maternity leave available) I earned a gross wage of almost €100k in 2009 back then we could afford holidays and nice clothes now every piece of clothes that go on our baby are borrowed or gifts cos we cannot afford to buy her things, we were lucky that we didn't have to buy things like car seats & buggies as I had them from our first and because I was working when she was born I could afford top of the range stuff that is still in good nick 10 years later No one is suggesting that Gardai should all be in one income households but some of us are struggling because the 2nd income is GONE It would be nice if people didn't automatically make ill informed judgements based on a bias they have against the members of AGS :rolleyes:
Offy wrote: » Almost €100k? Bloody accountants have the country ruined! Nearly as bad as them bloody coppers on their €40k, blast them all with p1ss I say :P
angelfire9 wrote: » A good accountant is worth his or her weight in gold :D:D I did ALOT of overtime in 2009 to get to that figure it must be said
Orando Broom wrote: » Would you admit that you spent excessively and are now reaping what you sowed? With 100K PA even for two or three years I could have set myself up nicely. I would easily weather this financial storm. I know you are probably not looking for sympathy but your story is symptomatic of the real problems with our now broken society.
