Somewhere to Chat.

Drop in here to chat about anything, or if you're not sure where to put a topic, post it in here.
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Denis Cromie
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Re: Somewhere to Chat.

Post by Denis Cromie » Fri Jun 07, 2019 3:48 pm

I understand Micheál,he was a nasty piece of work and no one would have been safe around him.



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Sinead
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Re: Somewhere to Chat.

Post by Sinead » Thu Jun 20, 2019 9:27 pm

How is that there are 21 guests on the site at this moment and they are not joining in? Has anyone any suggestion as to how we can encourage them?



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Re: Somewhere to Chat.

Post by Rocker » Thu Jun 20, 2019 10:09 pm

Sinead wrote:
Thu Jun 20, 2019 9:27 pm
How is that there are 21 guests on the site at this moment and they are not joining in? Has anyone any suggestion as to how we can encourage them?
I thought of doing a striptease but, really that might be excessive lauugh lauugh tutvb crazyvb


I am not afraid of tomorrow, for I have seen yesterday and I love today.
William Allen White

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Re: Somewhere to Chat.

Post by Sinead » Fri Jun 21, 2019 9:44 am

Same here Rocker, at this stage I probably couldn't keep with the tempo of the music, even if I had two good feet!



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Re: Somewhere to Chat.

Post by Strum » Fri Jun 21, 2019 5:10 pm

Rocker wrote:
Thu Jun 20, 2019 10:09 pm
Sinead wrote:
Thu Jun 20, 2019 9:27 pm
How is that there are 21 guests on the site at this moment and they are not joining in? Has anyone any suggestion as to how we can encourage them?
I thought of doing a striptease but, really that might be excessive lauugh lauugh tutvb crazyvb

:lol: :lol: :lol:



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Re: Somewhere to Chat.

Post by Rocker » Mon Jul 01, 2019 8:42 am

Hello 23 guests. Please join in, register and chat away. We need to know your stories and knowledge of the Boro. Maybe, if you are new to the town you might like to give us your impressions of the place and if you are abroad tell us where you are and what you miss about the Boro. looking forward to welcoming all.


I am not afraid of tomorrow, for I have seen yesterday and I love today.
William Allen White

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Re: Somewhere to Chat.

Post by gingertom » Tue Jul 02, 2019 7:57 pm

Denis Cromie wrote:
Fri Jun 07, 2019 3:48 pm
I understand Micheál,he was a nasty piece of work and no one would have been safe around him.
I am delighted that it was found that this Garda acted properly in discharging a firearm in the course duty.
They have such a difficult job and there is a heavy burden of conscience to be borne by any Police Officer when they choose to elect to engage the use of their weapon, in the exercise of lethal force.
Here the use of was found to be permissible in order to preserve innocent life.
Nevermind the legal and career implications.
It has been recently authorised that Gardaí can now be issued with body cams which can be used to record
incidents that they take part in whilst on duty.

https://www.rte.ie/news/2019/0625/10573 ... t_meeting/

I suspect that if all Gardaí wear these cams the recording will speak for itself, in order to
protect all involved, within any such incidents they visit.


zingerberi capillus et bene moratus.

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Re: Somewhere to Chat.

Post by Rocker » Thu Jul 04, 2019 3:58 pm

Here is one to think about!!!
I'm a member of Core Credit Union an amalgamation of C.U's Ballybrack, Carrickbrennan, Dalkey, Dún Laoghaire, Foxrock, Sallynoggin, Shankill. The big talk today in the C.U is CAP on Member's shares!!
It appears the Credit Union has to manage their reserve ratio (minimum reserve ratio of 10% along with additional operational risk reserve. As savings in the CU have risen the reserve ratio is diluted. Under an act of 2012 (Credit Union and Overseas Regulators Act) the Oireachtas transferred the powers to set limits to the Central Bank with a clear message that the C.B need to provide flexible enabling limits. All that has occurred since that is that the Central Bank has tightened limits which are suffocating the Credit Unions out of existence.
Bottom line anyone with over the new limit in shares must withdraw their money thereby restricting the C.U's lending power. The C.U has had to scrap its plans to provide small business loans to members! This is restricting a great source of local credit. Disaster in my mind. What a daft country we are living in !!


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Re: Somewhere to Chat.

Post by Denis Cromie » Fri Jul 05, 2019 9:28 am

That's a major restriction and the first I heard of it. How come it has not been discussed in the media,I would have thought the CU'S would be up in arms. The Peoples' Bank looks like it's being scuppered while the major banks, after the mess they made, are saying their executives are not being paid enough,as you say Rocker what madness.



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Re: Somewhere to Chat.

Post by Toss » Fri Jul 05, 2019 12:31 pm

The Irish Central Bank is owned by Jacob Rothschild, why should he care about the CU's when those charged with the responsibility of runing the country are in his pocket and dancing to his tune as seen by the banks bail out.

Image

Fair play to the Rothschilds ..... they can smell weakness and greed.

I see our great leader has shot himself in the foot yet again and we still await the outcome of swing gate lauugh.


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Re: Somewhere to Chat.

Post by Sinead » Sat Jul 06, 2019 10:44 pm

Yes this is true about Core CU - a cap was mentioned at the AGM in December 2019 and I objected to such a cap and said I believed the members should be asked about such a change. Rocker go to the AGM and encourage any other members you know. If you don't question the board will do as they wish! The amalgamation was something I fully believed in but I now question some of the directions Core are taking. The Credit Union belongs to the members, fight for what is yours and ensure the elected Boards know what they are doing.



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Re: Somewhere to Chat.

Post by Micheál » Mon Jul 08, 2019 12:00 am

The CUs have no option. They are being CHARGED for depositing (i.e. losing) members' money in the wholesale markets (because wholesale deposit rates are negative; Central Banks want people to spend, not save).

Even if they were allowed to gamble with it (Irish Nationwide-style) on, say, the stock market or by lending to business (building developers?), their members would not thank them. The only alternative is to reduce their cash holdings.

M.



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Re: Somewhere to Chat.

Post by Rocker » Mon Jul 08, 2019 9:39 am

Micheál wrote:
Mon Jul 08, 2019 12:00 am
The CUs have no option. They are being CHARGED for depositing (i.e. losing) members' money in the wholesale markets (because wholesale deposit rates are negative; Central Banks want people to spend, not save).

Even if they were allowed to gamble with it (Irish Nationwide-style) on, say, the stock market or by lending to business (building developers?), their members would not thank them. The only alternative is to reduce their cash holdings.

M.
Thanks Micheál for explaining but, the quandry of those of a certain age is they have put aside a few bob for health care, minders, nursing homes, and maybe house repairs and they are not prepared to spend it as they have no way of getting it together again. If we all throw ourselves on the strained public system we could end up like the poor in certain continents who are just left to die and where the health care/nursing home care is just for the rich!(who knew how to invest)


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Re: Somewhere to Chat.

Post by Toss » Mon Jul 08, 2019 12:26 pm

.

Whether you like Sinn Fein or not, Pearse Doherty deserves credit for this :

Heads in the sand time again ...

The squirming of the Insurance reps was palpable as they had no answers and were clearly caught out on their claims.... the implication is that the Insurance Industry are happy to entertain a suspected level of dodgy claims without reporting them as it justifies their increase in premiums. This is a clear indication of how crime is viewed by some as an industry requirement and is not to be addressed as a solution would kill the goose that laid the golden egg for all involved.

If you read down the comments, you will see an old friend of ours is still suffering thanks to Mary O'Rourke going into hiding.

This is his situation https://twitter.com/i/web/status/1133714950747246592.


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Re: Somewhere to Chat.

Post by Sinead » Mon Jul 08, 2019 4:26 pm

Micheál, some of what you say is true. During the past few years there have been several Government Bonds in which Credit Unions could invest. Credit Unions are 'not for profit', business lending is not what they should be doing. Rocker is correct in saying it is the older, long standing, members who will be affected by decisions to cap shares. Are these members interests being fully considered?

Toss: Whether or not you like Sin Fein or Pearse Doherty, he speaks quite well on financial matters, he is a long standing supporter of Credit Unions.



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Re: Somewhere to Chat.

Post by Micheál » Mon Jul 08, 2019 6:59 pm

Rocker wrote:
Mon Jul 08, 2019 9:39 am
Micheál wrote:
Mon Jul 08, 2019 12:00 am
The CUs have no option. They are being CHARGED for depositing (i.e. losing) members' money in the wholesale markets (because wholesale deposit rates are negative; Central Banks want people to spend, not save).

Even if they were allowed to gamble with it (Irish Nationwide-style) on, say, the stock market or by lending to business (building developers?), their members would not thank them. The only alternative is to reduce their cash holdings.

M.
Thanks Micheál for explaining but, the quandry of those of a certain age is they have put aside a few bob for health care, minders, nursing homes, and maybe house repairs and they are not prepared to spend it as they have no way of getting it together again. If we all throw ourselves on the strained public system we could end up like the poor in certain continents who are just left to die and where the health care/nursing home care is just for the rich!(who knew how to invest)
I fully agree Rocker. And the solution is staring us all in the face.
Consider this -
A) The State is still carrying enormous debt
B) The vast majority of its borrowings are from abroad, and much of it at fairly high(ish) rates
C) A lot of what it borrows domestically is at very low rates. Think National Savings Certs and Prize Bonds where the returns (to investors) are pitiful.
D) Pensioners, unlike ordinary workers, must be encouraged to save for their (imminent) care needs in old age.

Why can't the State borrow more from their own citizens by offering a meaningful rate that would cost them less that foreign borrowings and give us pensioners a decent return?

But don't hold your breath. The NTMA don't think their "customers" want more interest. Their latest report suggests all we want is more technology.

"STATE SAVINGS - RESPONDING TO CUSTOMER NEEDS
State Savings is responding to customer needs by o ering more services online. As one of the largest savings providers in the country with over €20.6bn in customer savings, the NTMA is making it easier for customers to save with the Irish Government. In 2018, the State Savings website (www.statesavings.ie) was signi cantly enhanced and now o ers a range of information about the products, an easy to use savings calculator, the ability to check if Prize Bonds have won or to buy State Savings products online. A large survey of State Savings customers found that customers want to be able to interact easily across all platforms. Later this year, State Savings customers will be able to purchase products at their local Post O ce by simply scanning a unique QR code from their phone, meaning fewer forms to ll out."



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Re: Somewhere to Chat.

Post by gingertom » Wed Jul 10, 2019 8:52 pm



zingerberi capillus et bene moratus.

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