Reminds me of my own childhood! This happens in middle class homes too and my father was a senior police officer. And I as the victim thought I deserved it and did not know I was being abused till someone actually sat down and spoke to me when I was in my late 20s! And I've been another 20 years trying to undo the damage. It robbed me of a life!
So show it, show it and show it again.
I hope this advert makes others just as angry as it made me!
I do both. I usually have a bit of a sour taste in my mouth in the mornings (I overproduce acid at night) so I brush before coffee so I'm not re-ingesting. Then I brush again after brekkie to remove coffee stains and bits of toast!
Hit Ryanair.com and head off somewhere like Prague for the weekend or how about Edinburgh in my home country of Scotland. There's plenty to do and see in Edinburgh I promise you.
For what you've got planned, I'd recommend a 3 phase 415 volt supply! Contact Ardnacrusha first in case they have to compensate for a voltage drop on the grid!
Well, I have a degree in Electrical and Electronic Engineering but I've driven a taxi the last 6 years. This guy was a customer I picked up one Sunday morning two weeks ago.
I don't know if he was offering me a job or some advice or sposorship but he told me to phone him. Perhaps I should! I thought I was too old to retrain. I'd put it to the back of my mind till I saw your post.
That's amazing because 2 weeks ago somebody recommended the same course for since there are no jobs in electronics here any more. He was the boss of a German medical devices company called Zimmer. He told me to phone him. Perhaps I should!
I would have let them (the banks)go to the wall and their directors along with them rather than continuing to pay out every bonus! The ECB would have stepped and have had to take the risks instead of the tax payer.
Again I'm agreeing with you if you read a few posts up. The O/Ps plan would be perfect if we all had the best interests of the country at heart. But alas we all tend to have owr own best interests at heart!
On the surface I think it's a great idea and if everybody like all the selfless CS members, put the country's needs first, then it would be great.
BUT knowing human nature as I do and the greed we have as human beings there would be 2 things happen.
Those already unemployed will see themselves as actually working for the 20% you mentioned as they could already get 80% on the dole....
AND
Greedy employers would start threatening to lay people off pleading poverty knowing full well that the government will pay them 80% of their wage bill! Now that their costs are reduced, they can cut prices and employers who act honestly can no longer compete!
Like I said, it sounds great on the surface but apart from you and me, just how many selfless people do you know?
So what I'm saying to counter your argument is that they were not lending real money. They were lending imaginary money and they knew it. A cushey relationship with the regulator allowed it to spiral out of control and greedy and egotistical politicians filled their wallets and patted themselves on the back saying things like, " Ireland punches above its weight in Europe and is an equal partner with the French, the Germans and the UK!" So they turned a blind eye.You see now why Lisbon scared them sensless!
Oh, and the European bankers knew it too. Why do you think there wasn't a housing boom in Germany?.......because it was heavily regulated. They knew well it would come to this! Had we been regulated, the house prices and the ecconomy would have risen more slowly at a sustainable rate instaed of running off the end of the cliff and taking the future of the next generation with it!
If the banks had maintained 3 1/2 times salary for mortgages then house prices would not have gone up to the false levels they did. Houses are not like other things that are sold. If I make tinned peas for example, I add the manufacturing, labour, haulage, and raw material prices together etc. I then add on say 30% to that cost to sell it and that's my profit.
Houses are different. They are viewed as collateral! A house is worth what someone in the market is prepared to pay for it. And what they are able to pay for it depends on how much the banks will lend them. A healthy mortgage interest used to float around 7% and that stabalised the house prices and dictated how much a bank could lend. This rule of thumb was thrown out due to a cheap money supply. The banks themselves were borrowing for next to nothing and were keen to lend it out.
This resulted in folk like you and me paying €250,000 for houses that were really only worth €60-70k in the expectation they were going to keep going through the roof! This created a problem in that in a few short months of buying your home, it had shot up in value giving you equity. The house was now worth more than the loan you had on it so you could borrow against the excess. BUT......the excess like the rest of the house prices was neither true nor realistic. Again it was determined by how much the banks would lend and they were good at it, often phoning us up and offering it to us. But there had to be a ceiling!
Why? Because there had to come a point at which banks had to stop lending. By this time we were talking about buying a property that our grandchildren might finish paying off as the repayments weren't possible in one human lifetime. (That incidentally is exactly what has happened with the bailout!)
At what average house price do you stop lending if the average industrial wage is say 35k?....1 million, 1.5 million, 2 million....you get the idea. The only way house prices should be rising is if salaries are rising. Total imbalance! So we created what engineers call positive feedback. The same thing that destroyed that suspension bridge in the states that they show every so often or if you prefer it's like removing the ballcock from the water tank. We have no regulation and the system starts to oscillate out of control and destroy itself. Cheap money is just rotating around and around a loop whilst you and me jumped on the merry go round.
So, when it stopped, suddenly we discover that the money, because it was moving, was being double and treble counted. It was counted in my pocket today, in your pocket tomorrow and in the shop down the road the next day but it was all the same money counted three different times. It didn't matter as long as it had kept moving. It was obvious to me that there was far more money in the country than we were actually making. Factory workers were living in houses that lawyers and doctors had lived in only 10 years earlier. Without any figures even, the mathematics made no sense and I've been saying this since 2002 as I wondered what would happen if all the cheap money went away and all these repayments shot up to 7 or 8%! And they did.....remember the US prime mortgage problem that triggered this all off....that's where the problems started.It stopped the money wheel. A big game of pass the parcel. They lent to our banks cheaply who lent to us cheaply. The government took in a fortune in stamp duty and encouraged eastern Europeans to come over as we didn't have a big enough labour force to feed the property boom that ensued.
I got into my PJs early to stop me going out for chocolate.....but my money's on Belarom Milk Chocolate Whole Nut from Lidel. There are so many nuts, I consider it one of my five a day.
Godsgift Forum Posts (10,040)
RE: The ISPCC advert
Reminds me of my own childhood! This happens in middle class homes too and my father was a senior police officer. And I as the victim thought I deserved it and did not know I was being abused till someone actually sat down and spoke to me when I was in my late 20s! And I've been another 20 years trying to undo the damage. It robbed me of a life!So show it, show it and show it again.
I hope this advert makes others just as angry as it made me!