donegalfella

partyndbs

i remember when i was in fourth year i discovered boards and i used to read what donegalfella had to say i have same politcal mind as him and wanna know who hes voting for? i dont know which party best suits me

ilovesleep

I haven't seen dongalfella around here in ages. How is he?

ei.sdraob

hes called @Permabear now

ilovesleep

ei.sdraob wrote: »

hes called @Permabear now

Oh really. I didnt know that.

Permabear

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partyndbs

am in dunlaoghaire constituency have u any opinion on candidates here?

Permabear

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CDfm

And Macdara Blaney ?

Permabear

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CDfm

Thanks for that.

I didn't know a Blaney was running in Donegal.

I had an interesting exchange with Dr Mary Attenborough of FIS NUA on the New Vision vs FIS NUA name usage. Good on her for posting.

http://www.boards.ie/vbulletin/showthread.php?t=2056171319

Whats your views on them.

ryanstewart

Permabear wrote: »

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Ah Permabear, you get the answers you don't like to hear about affordability of a "People's NAMA" on another thread, don't respond and then rubbish them on another - as a matter of point, me and MacDara might be part of New Vision, but we do have different views on policy. Any response you have to offer are gladly welcome, but don't try hiding on a different thread. You just can't seem to admit that it will work, and say you would support a pro-business independent, while giving a rally cry to a party who want to increase VAT to 23%, increase carbon tax, in an area at the mercy of lower costs in northern ireland, with a strong agri-base, which will be destroyed by FG policy, never mind the madness already inflicted upon it by Fianna FAIL?

<snip>

nesf

Ryan, do not link to a page on your campaign site as part of an argument. If you want to make a point you can make it here not direct more traffic to your site.

If you want advertising you'll need to pay for it.

ryanstewart

nesf wrote: »

Ryan, do not link to a page on your campaign site as part of an argument. If you want to make a point you can make it here not direct more traffic to your site.

If you want advertising you'll need to pay for it.

I wasn't looking for advertising, but I have every right to stand by my position, especially when the argument opposing it is weak, to say the least. Or is it OK for a biased position towards a political to rubbish an independent, while they are promoting a political party? I don't see any ads for them on here either. It is a matter of fact, and their facts are wrong, and if you actually read what I have posted on the website, you'll see that. What better way to present the argument than to show what I have posted already for all to see?

Look at any other election page and you'll see the same type of postings. In fact, why not scroll up a few posts re Mary attenborough? Check out that link!

nesf

ryanstewart wrote: »

I wasn't looking for advertising, but I have every right to stand by my position, especially when the argument opposing it is weak, to say the least. Or is it OK for a biased position towards a political to rubbish an independent, while they are promoting a political party? I don't see any ads for them on here either. It is a matter of fact, and their facts are wrong, and if you actually read what I have posted on the website, you'll see that. What better way to present the argument than to show what I have posted already for all to see?

Look at any other election page and you'll see the same type of postings. In fact, why not scroll up a few posts re Mary attenborough? Check out that link!

It's not that you were looking for advertising but that someone looking for advertising would use such a tactic and we've had this problem before with people.

You have every right to stand by and defend your position on issues, what we ask is that you do it by arguing on here rather than arguing using sites promoting you as support.

ryanstewart

nesf wrote: »

It's not that you were looking for advertising but that someone looking for advertising would use such a tactic and we've had this problem before with people.

You have every right to stand by and defend your position on issues, what we ask is that you do it by arguing on here rather than arguing using sites promoting you as support.

Is a copy and paste OK? Bear in mind I wrote this months ago, so I'm also not jumping on any bandwagons...

Over the last few years, we have watched from the sidelines, unable to prevent our current government from handing away the taxpayers money to developers and banks via NAMA, and escaping punishment for years of reckless lending and inflated property prices. While we, along with our children and grandchildren have been saddled with this debt, there are people having their homes repossessed by the very banks who have caused this crisis. But where is our NAMA?

Bankruptcy proceedings, Sheriff’s seizures, adverse credit judgements, repossessions and even prison terms are being handed down against ordinary people who have found themselves facing the worst times of their lives and through no real fault of their own - we were even encouraged to participate by a government and banking system which covered up the truth and led us down this path to facilitate their greed and hunger for money.

There is a solution, and it’s even ready to go! In the UK, Individual Voluntary Arrangements (IVAs) allow people to write off a portion of their debt, and gain protection from the courts while they rectify their financial affairs. Apart from the obvious benefits to the people of this country staring into the abyss, it actually has a reciprocal benefit for their creditors. Creditors who would normally face a total loss and expensive legal action to reclaim this debt, not just regarding mortgages, but ALL outstanding debts get a better return on the balance than they would normally get themselves. IVA’s are contractual agreements and they are monitored by an Insolvency Practitioner, and provided people stay within the parameters of their agreements, they could be debt free, and up to date with their mortgage within five years, through write-downs and income management. An IVA is an alternative to bankruptcy, however they are not mutually exclusive. A person can even propose an IVA after they have been made bankrupt. If an arrangement is approved post-bankruptcy then the debtor can apply to the Court for an annulment of the bankruptcy order - such IVAs can only be proposed whilst the bankrupt is undischarged.

A major advantage of an IVA over debt management arrangements is that all unsecured creditors are bound by it once it has been agreed: even if they did not agree to the IVA at the meeting or proxy vote of creditors. As only those creditors who vote at the meeting are counted, those creditors who did not vote at all are still bound by the decision, as are those who voted against it if they are outvoted. Creditors bound by the IVA also cannot take enforcement action to recover the debt, but instead must submit a claim in the IVA and are paid by the supervisor/insolvency practitioner in charge of the agreement. IVA’s cover secured and unsecured debt, generally cover amounts above £15000 in the UK, and it takes account of the applicants normal outgoings such as groceries, electricity bills and so on.

The legislation exists in the UK, and can easily be replicated here. It would drastically overhaul our bankruptcy laws, and from a debt management point of view, open up this as a new market in Ireland, creating thousands of jobs.

But the bank crisis is also far from over. Within three years, we will be dragged back to the edge - even after a bailout, if it proceeds - as residential mortgages which go unpaid, will cause a second liquidity crisis, although not as serious financially, for the banks. It will however be particularly serious for those who will lose their homes and unable to pay as €15-20 billion in mortgage defaults is added to the bad debt accounts of the banks. As we now effectively ‘own’ the banks here, I believe that we should force these institutions into a radical rethink of their policies, before this crisis raises it’s head. There is also the matter of outstanding company debt, which is in the region of €80 billion. Not all of this is bad debt, but with company closures a formality of a recession, this problem will escalate. The IVA proposal outlined above can be extended to businesses in difficulty too.

Interest deferring on mortgages is not enough. We need to force the banks and building societies into renegotiating repayment mortgages into 3 to 5 year interest-only mortgages, to allow those with non-performing mortgages to address the balance, and get back on their feet. Significant write-offs are impossible as this only contributes to the liquidity crisis, but by deferring full mortgage repayments until the economy is in a better position, where people are back at work and earning money, we can redress the balance. At this point,after 3-5 years or possibly earlier, when people are in a stronger personal position, the mortgages can then be renegotiated back into repayment mortgages. In the interim, any excess funds that people have after switching to interest-only plans can be used to clear arrears, or be placed in a savings plan to clear more of the balance on renegotiation. This scheme coupled with Individual Voluntary Arrangements will help hard-pressed taxpayers see some light at the end of a very dark tunnel.

By implementing such legislation, we can get this economy moving again by heading off a second banking disaster, getting money flowing to creditors, and easing the burden over the adjustment period for those who need it most.

THAT IS WHY I NEED YOUR FIRST PREFERENCE VOTE
The other main parties are afraid to, or refuse to outline their proposals. I have shown my cards.
YOU decide.

nesf

Copy and paste is ok so long as it is not soliciting votes. So your statement at the bottom asking for 1st preferences would not be welcome. Other than that, copy and pasting is fine.

ryanstewart

nesf wrote: »

Copy and paste is ok so long as it is not soliciting votes. So your statement at the bottom asking for 1st preferences would not be welcome. Other than that, copy and pasting is fine.

That's fine by me

Permabear

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Permabear

Permabear wrote: »

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Oh THAT'S who you are!!!
I was trying to work it out for a while :pac::pac::pac:

Permabear

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