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Graham Neary Profile picture
Graham Neary
@GrahamNeary
Senior Financial Writer at @stockopedia. Opinions are mine alone.
17 subscribers
Feb 22, 2023 • 8 tweets • 3 min read
I've been learning from the personal finance experts at @ynab @RamseyShow @moneyguyshow in recent months.

These are the most important things I've learned, and which I apply in my day-to-day routine.

If everyone did these things, their lifestyles would be transformed: 1) assign every dollar (or pound, or euro) a specific job. Like a person, if money is left idle, it will get up to no good.

Do this every month with a written budget, preferably using an app that links to your bank accounts so that your transactions automatically show up there.
Jan 30, 2023 • 22 tweets • 6 min read
To my Irish followers:

FIVE THINGS I WOULD CHANGE ABOUT THE TAXATION OF INVESTMENTS IN IRELAND

Internationally, Ireland is thought of a business-friendly, low-tax environment.

This is true for businesses and funds who choose to operate or domicile themselves here. However, it is certainly not true for individual investors living in Ireland, who face a tax code that is in bad need of reform.

Here are five things I would change immediately.
Oct 7, 2022 • 5 tweets • 1 min read
The incoming auto-enrolment system in Ireland sounds horrible:

- a quasi-mandatory system, reducing take-home pay even more for employees.
- even higher costs for employers.
- a huge new govt subsidy for pensions (how can they afford to do this but not to cut income tax?)

1/5 - govt subsidies are applied equally regardless of tax bracket, so a pension becomes another form of income redistribution.
- money gets locked up in the system for 40+ years.
- new central processing authority to administer it, creating more unnecessary civil servant jobs.

2/5
Sep 12, 2022 • 5 tweets • 2 min read
Ireland's "Commission on Taxation and Welfare" has triggered outrage with alleged proposals to reduce inheritance tax relief, raise diesel duty, etc.

As with NPHET, the likely purpose of COTW is to float bad ideas, so that government can see which ones are viable.

A short🧵. Media reports have disclosed the alleged proposals from COTW, but have said almost nothing about who or what COTW is. The ordinary reader is left wondering who to blame for all of the bad ideas.

This is where I come in with a relevant link and a summary.

gov.ie/en/publication…
Jun 8, 2022 • 6 tweets • 4 min read
Hotel prices in Dublin are causing widespread shock and anger.

So let's take a look at some of the Dublin hotels that have been leased by the State and made unavailable for private bookings.

Here's a list.

1. Citywest: 756 rooms, 2,000 beds. 2. Travelodge Townsend Street: 393 beds.

The second-biggest hotel in the city centre, it is also the newest hotel and cost an estimated €100 million to build. Now leased by the State:
Jun 2, 2022 • 7 tweets • 2 min read
🚨 Latest CSO data 🚨

We can now calculate Ireland's death rates for every age group and for every year up to and including 2021, with the help of freshly released CSO figures and the CSO's population estimates.

I've done this. Some interesting results:

👇👇👇 Firstly, Covid-19 coincided with Ireland's 85+ population achieving their lowest ever death rates in each of the past two years.

An amazing result in the circumstances: Image
Jul 31, 2021 • 5 tweets • 3 min read
I'm glad to see that @thejournal_ie is hiring more fact-checkers.

For example, one of the most pernicious conspiracy theories going round is that the financial influence of Bill Gates affects global media coverage of Covid-19.

Maybe The Journal could investigate?

Thread 👇🏻 Here's an example of the misinformation I'm talking about.

The Journal itself offers paid internships, called "Google News Initiative Fellowships", in partnership with something called the European Journalism Centre.

thejournal.ie/data-journalis… Image
Jul 11, 2021 • 8 tweets • 3 min read
Who fact-checks the fact-checkers?

TheJournal says that each of the Covid vaccines meets rigorous standards and that "comprehensive data is provided".

But is that really true?

👇🏻👇🏻 According to the Collins Dictionary, comprehensive means that it includes "everything that is needed or relevant".

I've already reviewed AZ and Janssen.

Let's see how comprehensive the Pfizer data is, using the EMA's Risk Management Plan which was signed off on 29th April 2021.
Jul 7, 2021 • 19 tweets • 8 min read
🚨 Attention young people! 🚨

Are politicians offering you the Janssen vaccine? 💉

Have you read what the regulator -the European Medicines Agency - says about this vaccine in its official documents?

Let's take a look:

👇👇 My sources are the EMA's Product Information file and the EMA's Risk Management Plan for this vaccine.

Both can easily be found on the EMA's website.

ema.europa.eu/en/medicines/h…
Jul 5, 2021 • 14 tweets • 5 min read
🧵 A thread on vaccines! 🧵

Many people have already taken the AstraZeneca vaccine, or want to take it.

So I thought I'd read its official Product Information file from the European Medicines Agency.

Some might call this "the small print".

Here is what I learned:

👇👇 Firstly, is it safe for children?

"The safety and efficacy of Vaxzevria in children and adolescents (less than 18 years of age) have not yet been established. No data are available."
Jun 18, 2021 • 24 tweets • 9 min read
PERSONAL UPDATE 🧵

Tweeting about Covid has been worthwhile.

Exposing the "science" and fighting back against mass human rights abuses has been the right thing to do.

For anyone who stumbles across this in 100 years, here's a summary of my work, and a conclusion:

👇 August 2020:

I revealed that Neil Ferguson was a recipient of funds from the pharma industry and from the Gates Foundation, and that his calculation of Covid's fatality rate was utter junk.

His models and assumptions were nonsense from the beginning:

May 28, 2021 • 4 tweets • 2 min read
🚨 Breaking 🚨

It's now confirmed that there were 31,765 deaths registered in Ireland in 2020.

This confirms that the death rate per capita was almost perfectly in line with the average, and lower than 2018:

Thread 👇 Image And that's before we look at death rates by age.

For example, here's the quarterly death rate for those aged 75+.

Where on this chart is the once-in-a-hundred-years pandemic that was particularly dangerous for the elderly? Image
Apr 30, 2021 • 8 tweets • 4 min read
The CSO has published a study defining excess mortality as an increase in the total number of deaths.

Their own estimates say that the number of people aged 85+ are rapidly increasing (up 16% from 2017 - 2020).

But they leave that out of the calculation of expected mortality: https://www.cso.ie/en/csolatestnews/pressreleases/2021pressr Instead, their method is to subtract the average of prior years from the current year.

Unfortunately, when you have a steadily increasing time series, the average of prior years is not a good estimator of the current year.

As I noted recently:

Feb 8, 2021 • 11 tweets • 4 min read
They say that history doesn't repeat, but it rhymes.

Let's take a little trip down memory lane, examining the track records of three people who push Covid-19 vaccination and the Covid-19 hysteria.

👇👇👇 1. Gabriel Scally, 2010:

"I would strongly encourage you to take up the swine flu vaccination...

The best protection that you can have against swine flu is to be vaccinated...

In due course, the vaccine will be made available to the general public."

Jan 16, 2021 • 4 tweets • 2 min read
Norwegian Institute of Public Health:

“for those with most severe frailty, even relatively mild vaccine side effects can have serious consequences. For those who have very short remaining life span.. benefit of the vaccine may be marginal or irrelevant.”

bloomberg.com/news/articles/… As I initially suggested when I first read about the Pfizer vaccine, choosing between getting Covid and taking this vaccine might not be the obvious decision that so many people assume it to be:

Jan 12, 2021 • 6 tweets • 3 min read
BREAKING: I have the latest monthly death registrations from the Irish government's reporting office:

Let's do another quick thread to expose the scam. 👇👇 I'm now increasingly confident that there were just below 24,000 deaths in the first nine months of 2020 (based on the historic pattern of late registrations).

This is consistent with published death notices - there were 23,700 death notices.
Jan 11, 2021 • 5 tweets • 2 min read
Are you ready to understand the nature of the scam?

The number of people in Ireland's ICU units doesn't change, no matter how many "Covid" patients are in it:

Thread. 👇👇 Firstly, it's important to note that this is not because maximum capacity has been reached.

All the way back in mid-April, there were 500 beds, and additional surge capacity on top of this.

That capacity was taken out, as it was not needed. Fewer than 300 beds are in use today.
Jan 3, 2021 • 29 tweets • 10 min read
Kary Mullis won a Nobel Prize for Chemistry in 1993.

His most famous achievement was the invention of PCR, the method being used around the world to test for Covid-19.

I've been asking myself: what would he think of current events?

It's time for a thread. 👇👇

Please retweet. In one of life's strange coincidences, Mullis died in August 2019 - just months before the first cases of Covid were allegedly discovered in China.

Since I can't ask him for his latest thoughts, I've read his book, "Dancing Naked in the Mind Field".

Here are the six best bits.
Dec 10, 2020 • 5 tweets • 2 min read
BREAKING - I have the latest monthly death registration data for Ireland.

The official numbers continue to proclaim that over 2,000 people died "from Covid".

But that just doesn't make sense - see below. 👇👇👇 Firstly, take a look at this chart showing monthly deaths per 1000 people (adjusted for late registrations).

January 2020 was unusually mild. And April 2020 was the same as Jan 2017 & Jan 2018.

It doesn't look as if the months add up to something worse than the average year...
Nov 7, 2020 • 8 tweets • 5 min read
BREAKING: LATEST MORTALITY DATA (released yesterday)

See below for my updated and extended charts, and a few new ones. 👇👇👇

There's a clear trend towards improving annual mortality, and no evidence of any impact from Covid.

Please share: everybody needs to know this! Here's the raw data.

I've updated my estimates for the first half of the year, including all late registrations.

I've been deliberately pessimistic, and my pessimistic esimates are what you will see in the charts below.
Nov 5, 2020 • 9 tweets • 5 min read
Nobody who understands what I'm about to say can think about the Covid-19 crisis again in the same way. 👇👇👇

It's all based on objective data, and simple estimates.

Please retweet this and let's raise the level of understanding. I've already shown that in Ireland, the first six months of 2020 were nothing special, in terms of deaths per 1,000 people.

The number of deaths was perfectly normal.

Quite surprising!