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THE CENTRAL BANK has published a new Economic Letter, providing a detailed overview of mortgage lending in Ireland last year.
The overview includes data from AIB, Bank of Ireland, Permanent TSB and KBC Bank Ireland and examines characteristics of home buyers as well as how the banks are complying with regulatory limits on mortgage lending.
Its stats show that 29,893 mortgage loans worth €5.7 billion were issued in 2016, with the average first time buyer borrowing €185,939 to buy a home.
Taking a typical first time buyer, single or a couple, the Central Bank says: “FTBs (first time buyers) in 2016 were, on average, 34 years old.
In 2016, the average loan drawn down by FTBs was €185,939 and the average property value was €250,361… The average income of FTBs in 2016 was €67,287.
Over a third of first time buyers bought homes in Dublin, and 90% of them were employees.
Single borrowers, meanwhile, accounted for 56% of first time buyers.
For those granted a mortgage who were not first time buyers, the average loan was €217,602 with an average property price of €390,933 and an average income of €106,421.
Regulations
The analysis also looked at loan-to-value – when mortgage is granted based on the overall value of the property – and loan-to-income – when a mortgage is granted based on someone’s income – limits and if the banks were following them.
For example, the regulations say that a mortgage cannot be granted if the value is 3.5 times a person’s income.
For first time buyers, they borrowed an average of 2.9 times their income for their mortgage last year. Similarly, they borrowed on average 78.8% of the value of their property.
As a result, the average first time buyer would have required a deposit of around €50,000.
The ratio of loan-to-value and loan-to-income mortgages were higher for first time buyers than subsequent buyers, the central bank said, because the latter “usually [carries] equity from a previous property when purchasing a new dwelling”.
The main reason people got a mortgage last year was to live in a home, said the Central Bank.
According to the Economic Letter, “the vast majority of lending was for PDH (private dwelling homes) purchases with limited buy-to-let activity”.
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There’s a value in Irish-ness in international business. While I am as anti paddy whackery as could be, many nations envy the worldwide acknowledgement of our national day. An audience with the leaders of other nations is a nice reminder of our existence
If only it did bring in business, if anything it just aids local politicians in the us, uk and Australia appease their Irish voters. You’re the business man, show us where there is an increase in business as a result of this participating in (what other countries see as) a binge drinking festival? Show me the business leader in Atlanta that wants to be in pictures with the guy from the cover of time (again hard, because he wasn’t on the cover of time in the us, only the UK edition). See this for what it is, a junket. Local Irish communities the world over from Stockholm to Singapore to shanghai to Santiago have been organising their own festivals for years just fine.
It’s not begrudgery, it’s seeing a waste of (our) money for what it is. Show me the part of a minister’s brief that is helped by p1ssing off for breakfast lunches and evening pints with the ambassador, and I’ll show you an opportunity to save some money. Show me the business benefit that a rural TD leading a parade in Abu Dhabi that would not be there already, and then it makes sense – but it doesn’t.
Alien8 your a t!t………if a politician spends €100,000 on that “Junket” and mixes with buissnessmen to promote Ireland as a good place to do business and if only one of them comes here and pumps €10,000,000 into setting up shop here that’s money well spent in my opinion….. Go back to sleep you clown….
A more apt name than mine… Where is this €10m investment then? Google all you want, but there is no return (apart from votes on both sides). Do you honestly think the head of InCode, Coca Cola or AT&T or any other Atlanta company is going to divert investment on the basis of getting a dinner with a politician. The terms are well known to business leaders of doing business in Ireland. Our politicians going to SXSW is as valuable as Enda at web summit – an industry joke. Show me the figures, and I’ll sit down, but there are none – and this week costs damn more than just €10k or whatever other figure you pick out of your ar$e.
The IDA are one of the few Govt Agency’s I have respect for. They are absolutely world class. We will be watching Paul O’Connell and the lads line out for our country today, Martin Shanahan and his team do it week in week out..
On fella on the Sligo peoples debate reminded us all we spend money on our Embassies in these countries to promote our existence, and likewise businesses in Ireland are pushing for their own export opportunities with or without a politician, the deal being the real acid test. The IDA and Enterprise Ireland spent 14 billion since the crash of 2008 on Trade and Employment. Are we really getting value for money from that when the majority of inward investment pays little corporation tax. Currently our VAT contributes more than these companies and of course who would want to come and live and work in Ireland when paying 1,600 euro in tax each year just to fuel the average car, given that this is still the 4th most expensive county to run one in !
I think we should not be prostituting the nation on its national day
You have a lot to learn. A certain minister went to China and he and all his pals sold horses that they owned. Irish got little.
Windbag you sir are an ass
I wish that these clowns did the business but the sad thing is they don’t. Is there one of them with a slight bit of style and presence. They are there for a good time and to hell with it. They are taking what they can. I travel all over the world and despite what the Irish thinks there are millions and millions of people that don’t know where Ireland is. Our tourist boards are a joke and are only concerned with places where Ireland is known. I have been in Vietnam , Malaysia and now in Tokyo and they people still don’t know us. The Irish bar I was in tonight had wonderful Guinness at 3 Euro a pint.They were selling “Britain is the Place” shopping bags . They guy behind the bar was a nice guy but he thought we were next to Australia. Sorry to tell they are the facts.
You want the truth,You can’t handle the truth………there’s a lot of background work done to get the likes of Google , Facebook ,IBM ,Intel …..just to name a few to come and do business here …what do you think happens they just spin a bottle and wherever it Land’s they head for……business men love the whole dinner thing and speeches and all that so if that’s what it takes to make them come here then yes I am all for that….
It is a pity that there are not more of our business people prostituting the nation abroad throughout the year in a positive way at trade and commerce shows rather than sending our councillors over to prop up the bars in New York for St. Patricks Day…no wonder people abroad do not take this country seriously.
As long as politicians don’t start taking the p1ss and use tax payers money for business class flights, Michelin restaurants or 5 star hotels, I dont see the problem with it.
Like say Mary Harney and her overseas hair-dos!
Like Mary Lou and her 1st class flight to Australia. #doublestandards
Paul…you know full well that was not at the taxpayers expense.
@AL CA, Since SF doesn’t allow its deputies to be paid fully i think it is fair to assume part or all of Mary Lou’s lavish first class trip to oz was tax payer funded.
Well she didn’t pay for it Al.
As stated clearly at the time, as McDonald travelled in her capacity as party leader to promote SF overseas, the flight and expenses were paid for from party funds. If you have evidence to the contrary please post it here….
@Beano – I don’t mind paying my tax money to put representatives of our country on business class flights for business, looks unprofessional and lazy if you arrive at the country in coach.
I don’t mind my tax money paying for Mary Lou to travel business class out of the country, I just object to paying to bring her back. Party funds partly come from the exchequer btw.
Party funds which we as taxpayers unwillingly contribute to as the TD’s draw down their full salary take minimum wage for themselves and put remainder into party funds. So we did pay for her first class travel. Also why does she need to travel to Australia to promote SF? Just shows the difference, SF all about party government parties all about country.
Champagne republicans, a real kick in the teeth for victims.
@patrick i think the powers that be should go away another day and stay in Ireland for St. Patricks day.
Ahh beano do you think they are slumming it,
Come on man.
Begudgery is part of being irish
Begrudgery and criticism is all SF and the left wingers do. Doing the hard work is left to others.
Yeah paul its hard to look after all these golden circles and lobbyists for banks and international corporations, while keeping everyone else is paying ridiculously high tax rate and getting close to third world services.
You’re a sickening dose Carey.
Paul…here’s something to make your day.. http://www.georgiaunfiltered.com/2015/03/row-over-irish-water-other-domestic.html
Al Ca – Enda Kenny has truly become a huge liability wherever he goes – his arrogance and ignorance levels are beyond the Richter Scale .
Gladly , the good Citizens of Atlanta, have already found this out !
Yet Kerryman FG are the largest party according to the latest opinion poll. #badweekforSF
Kerry, has the ‘god of the cult’ moved any paedos South this week?
Paul you speak of what you do not know. As per usual. Mary lous trip & flights were widely reported to have been paid by the very people she was visiting in Australia. In your attempt to try to slag SF, you only make yourself look bad.
The point is she didn’t pay for it!!! Mary Lou is happy to be funded by others while promoting herself as the savior of the poor.
Are you attempting to claim that when the deputy leader of a political party travels on party business to promote said party, that they should foot the bill themselves?
Y’see, this is why the grown ups find the troll accounts laughable. They’re obviously from young party members who have no idea how things work in the real world.
Paul? she didn’t take it off the poor.
Or from anonymous accounts depicting themselves as baby monkeys, real gravitas there jammy!
Paul, those same opinion polls show that the current government is still a massive gulf away from having a majority of support from the Irish electorate.
So happy the world knows what Enda is like, hope it will make him think but i doubt it too busy filling his pockets. I hope they ask him loads of questions about how the people feel in how he governs Ireland his face will be puce.
Mary Lou’s trip was funded by the ‘party’… http://www.irishtimes.com/news/politics/mary-lou-mcdonald-defends-business-class-flights-for-gruelling-australian-tour-1.1926067
Sinn Fein in turn is heavily funded by the taxpayer (as is every political party with TD’s)… Make what you want of that…
Sometimes there is good reason to begrudge, how may of Irelands county councillors and CEO’s will be travelling to New York again for celebrations instead of supporting local parades at home.
Begrudgery is not part of being Irish, but it is part of being a Shinner.
If fine gael, sinn fein, fianna fail and Labour are using taxpayers money for these trips why do their td’s return with expenses claims?
So critical analysis in Irish is “Begrudgery” is it??
BTW our politician sold Ireland Years ago.
Didn’t you hear?
Enda kenny condescending attitude towards the irish people is sickening more in there line stay at home and donate the cost of the trip’s to hospitals /homeless /and the hungry he’s not promoting the ordinary person in America
@Dermot. That my friend is a very good question. Love some TD to answer it.
Open your mind – it exists in other countries in different forms. Here in Australia it’s known as ‘Tall Poppy’
I have no problem with politicians going all over the world selling Ireland, it’s a fantastic opportunity to showcase our country. My problem is the calibre of buffoons that are selling it, some of them are just a absolute embarrassment and shouldn’t be let outside their parishes. Just my opinion.
Do you really think that, Martin Ferris, for example, would be an improvement? Or Gerry Adams, as Taoiseach, given recent revelations?
I love how the troll accounts are conducting their own little kangaroo court around here. Irony obviously isn’t their strong suit.
The only jobs SF can aim credit for are “bank jobs” right jammy!
Yes yes justin, better to shill for a party that robs people to pay banks, right?
Well who do you suggest? Adams the “never in the ira” dont know where the rapists we moved are liar. Ferris the gun smuggler, McDonald of the no mind of her own, Pearse whose sums don’t add up etc etc
So you don’t agree with me , ergo you are a shill for SF! Correct me if I’m wrong jammy just following your logic through, or are you per chance wrong. Its just the first thing you sling when you’ve been made to look pathetic lobbing opinions from your anonymous monkey headed account. Put up your face and name and maybe you’ll earn some respect.
So, in March 2017, when SF are in government (yeah, can’t wait!), they will send Martin Ferris, Aonghus O’Snodaigh, Dessie Elis. Michael Colreavy, and David Cullinane. They’ll do a great job representing Ireland.
Hopefully Sinn Fein’s ugly message that no member of the Royal Family is welcome at 1916 commemorations will send the right message that we are a backward looking nation, insecure in our ability to relate to our neighbours and diplomatically puerile.
World War II nations now, and for some decades, make great efforts to maintain friendship and diplomacy, for the good that comes from continued peace, cultural relations, trade and mutual prosperity.
Yet Sinn Fein wants Ireland to live in a cave, divisive and hating all around. And sees it as a reason for rapturous applause from the shinnerbots at the Ard Fheis. Really pathetic.
#SFnotfittogovern #SFnotfittorepresentirelandoverseas
I am a big believer in these trips but it would be interesting if we could measure just how many jobs the trips create.
That’s an impossible goalpost as it is simply too difficult to keep track of it. Sure you might be able to follow the big announcements but it’s the SME’s hiring 1-10 people which will slip under the radar.
Multi nationals come to ireland for our tax rates and educated work force. When they can get the same elsewhere at a cheaper rate they will move there. Welcome to globalisation in the 21st century.
I think it’s because they do it while quaffing cognac and champers is what gets everyone’s goat up. Not to mention tax payer funded manicures and escort services ;)
That’s pennies compared to what can be gained by investment.
Completely unfounded. Clown.
Joe-Don’t make Hulk angry .You won’t like it when you make Hulk angry ><
It’s tradition and it promotes ireland.
There are better ways of promoting Ireland through trade fairs, helping Irish companies to promote themselves abroad.
I refuse to believe that the likes of enda kenny could bring business to the country.
Corporations paying basically no tax is what brings them here. Enda is just the dope that offers it to them.
Who do you think has been doing exactly that?! Grow up
Ruairi, you refuse to believe that Enda Kenny and his likes could bring business to this country.
Since the action plan for jobs over 80,000 have been created, and over 27,000 of those have been created in 2014.
There you go, glad i could sort out that conundrum for you.
85,000 minimum wage job activation schemes zero hour contracts plus slavesbridge. They have merely turned ireland into a cheap labour bin for their mates while a multiple of that number fled the country seeking a living wage.
Dave, how many jobs were lost in the same period?
Enda Kenny and FG as a whole promised the electorate that, by the time of the next election, they would generate 100,000 net job growth. They may have created 80,000 jobs but around 60,000 were lost in the same period. They’ve now conveniently changed their rhetoric from “net job growth” to “new jobs”.
I was under the impression Ireland was already sold. Germany is now the owner.
It is just a big jolly up for 15 or so fools headin away. Why dont they send 15 buisness people away (the likes of michael o leary) and sell Ireland
Good luck trying to get Michael O’Leary into the White House. They’ve never heard of him. Possibly they’ve never heard of Enda Kenny either, but they have to let him in because that’s how the world works.
I’m sure the Americans have heard of O’Leary, the man does make multi-billion euro purchases for aircraft from Boeing after all.
Boeing have heard of him, obviously. We’re talking about the White House though. They’re only interested in businessmen who vote, lobby or donate to election campaigns.
(Or business women)
Comments are going to be good here.
Wait for it…….
Saint Patrick was a Welsh bloke
Yes, but his granny was born in Ireland and under that rule he can represent us.
Better headline would be:
Ireland sells Ministers.
Am I right in saying a TD is going to Ethiopia for St. Patricks Day, I wonder how that will be beneficial, and to Moscow as well. How are these beneficial, especially with current sanctions.
@pjm. Ethiopia is earmarked as a fast growing economy which could be a huge market for the likes of Irish beef and dairy products in the future.
I would dismiss the short sighted negativity and applaud the prudence of building relationships with future economic power houses.
@pjm – the country doesn’t matter, we trade with nearly every country in the world and Ethiopia is one which has a lot of international development funds to spend on items that Ireland provides (services, consulting and infrastructure development). Don’t believe those trocaire boxes for one minute – Ethiopia is growing, although you can find poverty everywhere if it suits your brief. Now, will a TD going for a visit to Addis Ababa increase their spending? Unlikely, unless they have a very tight understanding of what we offer and what they need – now who are we sending?
They’re clearly only going to Ethiopia for the sun, sea and fun times.
We do not need the annual Paddy’s day junkets to bring jobs here.
The educated english speaking work force and the lowest corporation tax rate in Europe does it all by itself.
regrettably the only beneficiaries of little Ireland being little “Liechtenstein on the Liffey”, are our overpaid politicians, countless Quangoistas and public sector workers.
The rest of us are fleeced to keep it all going.
No normal country with so much industry would have to keep borrowing money every week from bondholders just to pay government employees and their pensions.
The water taxes are a blatant attempt to turn a human right into an indigenous, semi state owned industry worth maybe 30 billion Euros in future years when polished up for sale to a multi national water company.
Except the people have had enough.
Let these new multinational companies contribute towards the new water treatment plants needed all over Ireland.
you venal politicians have sucked the marrow from the bone.!
http://i62.tinypic.com/au8r43.jpg
Water blah blah noise
You should be ashamed to use the name of a patriot to spout such uninformed rubbish!
18 versus 18 thumbs,multiplied by one hundred thousand,implies a civil war between the prosperous and the not so prosperous.
We are in an era of huge civil disobedience.
There has to be a big turnout of voters come the next election..
if not, the “golden circle” in Irish society will triumph.
I am proud to bear the name of a patriot who died for principles, which are, regrettably, light years,beyond your conception of justice,Mr Mc Nulty.
The annoyance comes from the fact that we have a whole Foreign Affairs Dept, a whole Diplomatic Corps, the likes of the IDA, FAS (what was FAS), Failte Ireland, on top of Embassies & Consulates, all set up to promote Ireland, carry out trade missions, establish the Irish brand. There isn’t a need to send a minister overseas as well, never mind that it’s a minister for a day or two. Either the Ministers do amazing work, in which case fire the rest of the ambassadors and overseas missions, or its a load of böllïx and ministers are trying to justify a free holiday for themselves.
Should we not be inviting foreign politicians here?
I agree but when I suggested that to a former minister, I was told that it would constitute a ‘world summit of sorts’ like a G8 meeting or similar. That apparently would attract the anti-brigade, combine those style of protests and the way violence generally erupts at them, with St. Patrick’s day parades around the same area and you’ve got the potential for a disaster on your hands.
I was told if we invited one head of state to Ireland for the celebrations we would have to invite them all.
I asked a minister that myself and he didn’t give as good a reply, he talked about weather.
Cheers for that reply, makes perfect sense.
I’d say a large meeting would cost more than sending politicians away – security, accommodation, etc.
Can’t we just enjoy a weekend where we don’t have any ministers in the country? It’s so nice and quiet without them?
Selling Ireland ….. Good
St. Patrick’s Day….. Unique in world
Standard of Politicians …. Poor
But we voted them in, teachers, doctors, publicans , . Political party ideology based in 1920s Ireland.. Where are the graduates from politics, economics, law, etc etc. You wouldn’t let a bus driver plumb your house because his dad was a plumber . We need professional politicians, trained ,
We expect a gas fitter to be certified, surely we can ask if a person has a desire to run the country that they be qualified to do so.
Then maybe we can have a proper choice at election time.
A lot of people here would like a host of new ministers in 2016 visiting countries such as Iran, Columbia, N Korea etc. All new ministers would be wearing suitable attire such as: combat jacket; combat trousers; green shirt and tie; webbing; military haversack, beard and black beret. This would show the world the new Ireland with its new world view.
Che Guevara dress up competition is it?
Lyons – aka – Multiple false names/titles.
Gerryphobia Virus at 8.30am and we are speaking about the current Ministers abroad Selling Ireland for St. Patrick’s Day ???
Best take your meds you pure Eegit !!!
Kerry man; ready to pounce, haunting the journal for a mere whiff of something about Dear Leader Gerry, the paedo protector.
More muck from FG’s premier propaganda outlet, TheJournal.ie. Not even hiding it anymore
Not as good as SF at hiding things….like peadophiles.
Yes, because propaganda and peados are sooooo alike here. Well done you Paul, broke the internet with that ‘chip on shoulder’ comment!
Mr O Dowd, firstly; how can you refer to Mr Carey as having a chip on his shoulder, when he makes correct references to Sinn Féin as being paedophile protectors? Within the past week alone, your cult leader has admitted to knowing about abuse cases within SF/IRA which were perpetrated by their own republican paedophiles, not to mention administering their ‘own’ type of justice to these depraved individuals? Based on Mr Carey’s comment, which was in response to yours, it’s fairly evident that your response was purely reactionary, without any basis of a coherent argument or point. Mr Carey made a valid point; last week, SF/IRA were calling for Mary Lou to be the next female Taoiseach, yet, when Mairia Cahill was in Dail Éireann, Mary Lou giggled and laughed at her testimony and she disrespected her – not to mention the fact that Gerry himself has lied on national television during the course of the past week, and, both he and Mary Lou have gone to ground since yesterday because of this latest inconvenience for them. You need to learn how to think for yourself.
Carey caught spoofing again – never fails to amuse me. Poor chap has a massive aversion to facts but possibly that’s because he lives in an alternate universe.
He really is the epitome of the far right looney.
No other country in the world gets this global exposure the world over for 1 day.
The cost is miniscule in comparison to the benefits.
Begrudgers need to grow up, see the bigger picture…
They do in their hole sell Ireland. Just another Jolly Up at the taxpayers expense.
The corrupt traitors off to foreign lands on the backs of the Irish people
https://www.facebook.com/permalink.php?story_fbid=1650379598518670&id=1545240672365897
The people of Atlanta are being informed by the people of Ireland about Kenny .
I reckon people wouldn’t mind as much if they weren’t staying in the fanciest hotels, eating the fanciest meals, etc etc.. They could do these trips for less but since it’s all on the taxpayer, they just put arm and all in.
Anyone who has travelled on business will tell you it is far from fun. Tight schedules to keep, multiple people to meet and lots of briefing to be done before hand. Late nights and early mornings and no time to be anything but charming and affable. Also a requirement to look well groomed at all times
If you’re looking to get somebody to invest in your country you need to inspire confidence, not the ability to spot a cheap place for lunch.
Whose jobs will they secure?
Ministers don’t sell anything. They have been known to give things away, look after mates, lie to the people and bury their heads in the sand.
I’m guessing sinn fein won’t be sending anyone anywhere if they manage to squeeze into government?
Breakfast with a bellend,they are very easily impressed.
Ireland was already sold to the Germans a long time ago.
Maybe enda could bring up the subject of that child abuser gibney over dinner, now that he has a new found interest in such matters
TheJournal.ie comments section is like a weird Stanley Kubrick masquerade ball where everyone hides behind pseudonyms and alias’s. Just without the sexy element.
Will never understand the spinelessness of people who hide behind their comments online, get some nuts folks.
Well said Keith, I have the utmost respect for people I disagree with but put their name and face to comment. The rest are cowardly, even those I agree with.
I would agree with you,Keith :) Twitter is great,though .No nasty personal messages :)
Yeah sure, I agree. Let’s trade on the paddywhackin image if it brings investment. We’re not an industrialized nation so inward investment is vital for our prosperity. We’ll have the last laugh.
I wonder was there some type of kangaroo court that set free the bankers,regulators and previous Ministers who willfully brought this Country to its knees. Our present Justice system didn’t seem to have any say in it???
Ugly bowl! It used to be a beautiful Waterford or Dublin or Tipperary cut-glass bowl. This thing is like a goldfish bowl!
Did anyone make any sense out of the paragraph commencing ‘Business leaders our IDA … ‘ ?
Perhaps it is part of a speech to be used on one of these junkets – lots of words that don’t make any sense.
Baffled ……
St Patrick’s Day is our national holiday all these leaders like Barak Obama should be coming over here to me the politicians going abroad is like waking up the day of your birthday and all your family and friends text you to see if your coming to their house so they could wish you a happy birthday
It’s money well spent. It is a great opportunity to sell Ireland overseas and we really do need it.
If any political party in power did not seize this moment to promote Ireland they would be condemned as being complacent and lazy. It’s the least that would be expected and more money should probably be invested in.
Great interview this morning on skynews with english economist about “irelands great economic recovery”. He said basically, its a two tier economy, with the gov getting credit internationally for paying back the gov debt, while the ordinary people in irealnd are stuck with huge debt and many more years of austerity. Makes me sad that an english economist tells it like it really is, while the irish media is full of this gov spin bull about economic recovery.
On fella on the Sligo peoples debate reminded us all we spend money on our Embassies in these countries to promote our existence, and likewise businesses in Ireland are pushing for their own export opportunities with or without a politician, the deal being the real acid test. The IDA and Enterprise Ireland spent 14 billion since the crash of 2008 on Trade and Employment. Are we really getting value for money from that when the majority of inward investment pays little corporation tax. Currently our VAT contributes more than these companies and of course who would want to come and live and work in Ireland when paying 1,600 euro in tax each year just to fuel the average car, given that this is still the 4th most expensive county to run one in !
Since when is St. Patrick’s Day called Paddy’s Day or even St. Patty’s Day? A pity…
Half the world calls it by one or both of those affectionate nicknames. And yet nobody dies.
Jobs for the boys.
We send them off for business more then anything. Nothing wrong with that.
I think a better impression would be made around the world if we were known for taking care of our elderly and children .Every day we hear of medical cards been taken from children with disabilities and cancer .The elderly left lying on hospital trolleys for days .This situation does not seem to bother our political leaders .All that matters to them is the gravy train that is Irish politics .These junkets are a symbol of the rottenness of Irish politics .
Why do we need looking after by Noonan? Are we seen as children?
Why the begrudgery you say because they are spending tax payers money for a state paid holiday for themselves and it is not the government who decides what trade comes here as that is up to the ECB as imports and exports have to be calculated in order to not put stress onto the Euro. So in the Eurozone trade discussions for the smaller nations as in the U.K. AS WELL are done by an E.U. trade committee without those nations involved in the committee. So in fact Ireland can not go looking for trade without the permission of the E.U. because of the Euro not being ours to control but the ECB’s?
That is why there seems to be only one type of job coming here and it is for those under 30 who went to college to answer phones and to hit keyboards, where is the real jobs as in manufacturing that would create growth, lower borrowing and create exports o wait a minute we can’t do anything without Merkel’s say so, the Troikas, the IMF or Frankfurts?
It doesn’t say much that this government only looks for work here like this for 1 week out of 52 either lol. But who says this government cares more about its citizens than for the plutocracy in the E.U.
PEOPLE WHO CARE FOR AUSTERITY DO NOT CARE FOR JOBS, full stop.
The ministers do not sell Ireland inc around the world. They do as they are told.
If these servants cared about jobs they would not have allowed the remarks of a certain judge to go unpunished and several companies then up and left.
Its all a pretence and most people are seeing the truth now.
Its all showmanship for the elections.
A time is fast approaching where we return to our old ways and not needing to be minded like children by TD’s
We will govern ourselves in communities like in the past and it will cost nothing.
We wil have all our human needs taken care of with money divided fairly. No hierarchial “benefit” system. So lots of savings to share out.etc. etc
The reason many object is that St Patrick’s Day is the nations National Day. They c an be anywhere in the world on any day, but the National Day is when every government Minister should be in Ireland.
have your say