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Farming Chit Chat II

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Comments

  • #4352
    whelan1
    Closed Accounts Posts: 11,786 ✭✭✭✭whelan1


    delaval wrote: »
    If you are measuring you would see surplus coming. Why didn't you use the opportunity to fix paddocks that are rough after last year
    have topped and rolled some of them, we are getting on top of them now, waiting for bord gais to come back and fix some ground as well they have to re drain it, alot of the fields are not work able until now, my dad is 70 and said he never saw anything like it, we have opened up some drains aswell, worst parts are where gas pipeline went through


  • #4353
    reilig
    Closed Accounts Posts: 7,401 ✭✭✭reilig


    25 years banking with them and this year so far I have had charges of over €150. Got the motivation last night when I saw that they had removed €75 from my account as fees and I opened a new fee free account with Permanent TSB this morning. I have to say it was a pain free experience and would recommend it to anyone who is being charged by a bank for minding money that they are getting interest on!


  • #4354
    MOOVAN
    Registered Users, Registered Users 2 Posts: 70 ✭✭MOOVAN


    reilig wrote: »
    25 years banking with them and this year so far I have had charges of over €150. Got the motivation last night when I saw that they had removed €75 from my account as fees and I opened a new fee free account with Permanent TSB this morning. I have to say it was a pain free experience and would recommend it to anyone who is being charged by a bank for minding money that they are getting interest on!

    I looked at TSB because i am sick of BOI too.
    Did you know that TSB charge 20euro for every cheque book you order ?


  • #4355
    reilig
    Closed Accounts Posts: 7,401 ✭✭✭reilig


    MOOVAN wrote: »
    Did you know that TSB charge 20euro for every cheque book you order ?

    That's 50c per cheque and the whole lot goes to the Government - not to TSB. It's stamp duty rather than a charge. BOI charge the stamp duty of 50c per cheque for the government and put their own charge on top of that too!


  • #4356
    Mulumpy
    Registered Users, Registered Users 2 Posts: 818 ✭✭✭Mulumpy


    reilig wrote: »
    That's 50c per cheque and the whole lot goes to the Government - not to TSB. It's stamp duty rather than a charge. BOI charge the stamp duty of 50c per cheque for the government and put their own charge on top of that too!

    80c with BOI


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  • #4357
    reilig
    Closed Accounts Posts: 7,401 ✭✭✭reilig


    Mulumpy wrote: »
    80c with BOI

    I know. And 27c every time you use your atm card!


  • #4358
    Muckit
    Registered Users, Registered Users 2 Posts: 11,173 ✭✭✭✭Muckit


    Move to perm tsb!! No charges on current a/c


  • #4359
    Username John
    Closed Accounts Posts: 4,237 ✭✭✭Username John


    reilig wrote: »
    25 years banking with them and this year so far I have had charges of over €150. Got the motivation last night when I saw that they had removed €75 from my account as fees and I opened a new fee free account with Permanent TSB this morning. I have to say it was a pain free experience and would recommend it to anyone who is being charged by a bank for minding money that they are getting interest on!

    Am with PTSB with a few years now, changed from AIB when they introduced fees a while back.
    Am happy enough with PTSB, their Internet banking is good, which is what I use mostly, and their opening hours are better (open Sat morning in some branches)


  • #4360
    MOOVAN
    Registered Users, Registered Users 2 Posts: 70 ✭✭MOOVAN


    Muckit wrote: »
    Move to perm tsb!! No charges on current a/c

    They told me that they charge for the cheque books when i was on to them yesterday,inquiring about there current account !
    I might still move to them as i am not using as many cheques but us farmers still must pay the reps when they come calling for payment !! and i don't think too many of them go around with the handheld card machines !!


  • #4361
    Muckit
    Registered Users, Registered Users 2 Posts: 11,173 ✭✭✭✭Muckit


    MOOVAN wrote: »
    They told me that they charge for the cheque books when i was on to them yesterday,inquiring about there current account !
    I might still move to them as i am not using as many cheques but us farmers still must pay the reps when they come calling for payment !! and i don't think too many of them go around with the handheld card machines !!

    Yes a cheque book is still a necessary evil (for the near future) so keep cheque book with them and write as little cheques as possible! ;) Change your credit card to ptsb too and you can do a lot online. It's the way things are going. The reality is staffing levels in banks are being cut to the bare minimum and they just don't want to see you walking in the door!!


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  • #4362
    Dampintheattic
    Closed Accounts Posts: 839 ✭✭✭Dampintheattic


    reilig wrote: »
    That's 50c per cheque and the whole lot goes to the Government - not to TSB. It's stamp duty rather than a charge. BOI charge the stamp duty of 50c per cheque for the government and put their own charge on top of that too!

    More or less stopped using cheques this year. I got a Visa debit card for the farm current account. Farm current account is a business account, and therefore card transactions are free.
    Jayzus, I even bought a bull this year with my card -;) Had to enter it numerous times in the machine, to make up the total amount.
    Of course you still need cheques for some suppliers like silage contractors etc,.
    I'm ordering more and more stuff for fencing and vetinary supplies, etc, online to save a few quid. Card helps there.

    Between vet supplies, some fence supplies, tractor filters, etc the savings add up over time.

    I'm BOI. The one charge that annoys me totally, is the €50 overdraft fee!! Could understand it as a once off fee. But for it to be every year, is bull manure.


  • #4363
    MOOVAN
    Registered Users, Registered Users 2 Posts: 70 ✭✭MOOVAN


    Muckit wrote: »
    Yes a cheque book is still a necessary evil (for the near future) so keep cheque book with them and write as little cheques as possible! ;) Change your credit card to ptsb too and you can do a lot online. It's the way things are going. The reality is staffing levels in banks are being cut to the bare minimum and they just don't want to see you walking in the door!!

    Cheers Muckit, I think if banks keep going the way they going we'll be cashing the milk cheque and stuffing it under the bed and dealing in cash again !! Mental


  • #4364
    Mulumpy
    Registered Users, Registered Users 2 Posts: 818 ✭✭✭Mulumpy


    What really annoys me is going in to lodge money and being told to go do it in machine even when there's no queue. Takes forever to lodge cash in those machines.


  • #4365
    reilig
    Closed Accounts Posts: 7,401 ✭✭✭reilig


    Muckit wrote: »
    Move to perm tsb!! No charges on current a/c

    See post #4353 ;)


  • #4366
    delaval
    Closed Accounts Posts: 4,949 ✭✭✭delaval


    Did our insurance deal this am. No rise in cost from last year though we did increase some cover.
    What pissed me off most was the 5% levy for the dickheads. 1% for the PMPA collapse (how long ago was that), 2% for the idiots who don't bother and 2% for Quinn the king of all the irresponsible dicks. As usual we pick up the tab.
    Who would bail me out if I did something like that?


  • #4367
    moy83
    Closed Accounts Posts: 4,701 ✭✭✭moy83


    are the online transfers free with aib ? I pay a few things that way but dont pay much attention to the fees . Hard to beat the bit of cash in your pocket , the only problem being that it doesnt stay there for long :-(


  • #4368
    Timmaay
    Registered Users, Registered Users 2 Posts: 11,392 ✭✭✭✭Timmaay


    Dampintheattic wrote: »
    Jayzus, I even bought a bull this year with my card -;) Had to enter it numerous times in the machine, to make up the total amount.

    You hardly paid for him with cash? Is that not alittle messy in terms of writing it off in the books, my accountant says to try an avoid cash other than for small items. I'd have just wrote out a cheque and be done with it!


  • #4369
    kowtow
    Registered Users, Registered Users 2 Posts: 6,135 ✭✭✭kowtow


    delaval wrote: »
    As usual we pick up the tab.
    Who would bail me out if I did something like that?

    haha..

    have this image in my mind of a milk carton with a 4c "poor grazing levy" stamped on it...


  • #4370
    whelan1
    Closed Accounts Posts: 11,786 ✭✭✭✭whelan1


    just having my dinner now, we where scanning, scanning man was to come at 2 but arrived at 1.15, anyway 13 out of 15 heifers in calf- bull still with them, 2 sucklers both in calf and 3 out of 25 cows not in calf, happy enough


  • #4371
    who the fug
    Registered Users, Registered Users 2 Posts: 4,041 ✭✭✭who the fug


    delaval wrote: »
    Did our insurance deal this am. No rise in cost from last year though we did increase some cover.
    What pissed me off most was the 5% levy for the dickheads. 1% for the PMPA collapse (how long ago was that)

    I was doing the inter when they went bust, and I remember it because their offices were right next to the pub we use to play pool in at lunch time


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  • #4372
    just do it
    Registered Users, Registered Users 2 Posts: 5,422 ✭✭✭just do it


    delaval wrote: »
    Who would bail me out if I did something like that?
    I'll switch farms with you if that's any use to you ;)


  • #4373
    jomoloney
    Registered Users, Registered Users 2 Posts: 859 ✭✭✭jomoloney


    royaler83 wrote: »
    Thanks. :pac: Where's that?!

    liffey mills, most large out lets should have it , arrabawn are doing it too

    moy83 wrote: »
    are the online transfers free with aib ? I pay a few things that way but dont pay much attention to the fees . Hard to beat the bit of cash in your pocket , the only problem being that it doesnt stay there for long :-(


    15c AFAIK


  • #4374
    redzerologhlen
    Closed Accounts Posts: 2,329 ✭✭✭redzerologhlen


    quadboy wrote: »
    Oh i actually have a friend working over there, shes a redhead stay away from her she'll be getting you to buy her drinks all nyt

    We could produce a pedigree child ;) spoken for already though, great day today at the highland show.


  • #4375
    delaval
    Closed Accounts Posts: 4,949 ✭✭✭delaval


    just do it wrote: »
    I'll switch farms with you if that's any use to you ;)

    Would you take the loan that was secured to buy it?


  • #4376
    Conmaicne Mara
    Closed Accounts Posts: 6,543 ✭✭✭Conmaicne Mara




  • #4377
    bob charles
    Registered Users, Registered Users 2 Posts: 6,343 ✭✭✭bob charles


    Conmaicne Mara wrote: »

    saw that else where, gets boring after about 1.20min, when it starts making wild outrageous claims


  • #4378
    Conmaicne Mara
    Closed Accounts Posts: 6,543 ✭✭✭Conmaicne Mara


    bob charles wrote: »
    saw that else where, gets boring after about 1.20min, when it starts making wild outrageous claims

    You're such a ray of sunshine Bob :p


  • #4379
    Kovu
    Closed Accounts Posts: 14,241 ✭✭✭✭Kovu


    quadboy wrote: »
    Oh i actually have a friend working over there, shes a redhead stay away from her she'll be getting you to buy her drinks all nyt

    THERE'S NOTHING WRONG WITH REDHEADS!

    (Docility may be off the charts with some though:D)


  • #4380
    Bodacious
    Closed Accounts Posts: 2,274 ✭✭✭Bodacious


    can anyone advise, im not in suckler welfare scheme but neighbour came to me where he got a letter this week for 2012 to add in ai bull code for 4 calves.. he not sure and dockets missing have they a way to check it with ai company which exact bull to each tag number or can he stick down what he knows, he knows 3 of the 4? all same breed


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  • #4381
    quadboy
    Closed Accounts Posts: 472 ✭✭quadboy


    Bodacious wrote: »
    can anyone advise, im not in suckler welfare scheme but neighbour came to me where he got a letter this week for 2012 to add in ai bull code for 4 calves.. he not sure and dockets missing have they a way to check it with ai company which exact bull to each tag number or can he stick down what he knows, he knows 3 of the 4? all same breed

    They will have all that info, got our invoice for may today in the post, munster AI by the way


This discussion has been closed.
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