Member Info for torquay

Hi Coggy - no gold bath taps these days - good that you are still around and great to hear from you after all this time.

Before they were re-valued - by an expert - I bought a load at .06 which doubled my holding. Until my shares were re-valued @ E7.40 and re-issued, I was quite comfortable and ahead of the game as I waited for better times.
Having been shafted last time, it is hard for me to see the current price as an opportunity. Up to now all I have been doing is putting money in, without any benefit accrueing.
Whose to say that they won't make another R I and devalue the current or future position again - once I have put in some more.
Could very well be better off buying a camper van instead......
Good luck all...

I think that you find that it is spelt "schmuck" or something like it - which most certainly does not apply to our resident Laureate.
I really don't know what you are expecting, I told you some time ago that we were in for a painful adjustment - Corona is only part of it.
When capitalism is driven by greed people take risks which they shouldn't when they have borrowed the money (from shareholders) and on some of their ventures BLOWN IT....
Now quite a few of the chickens are dead and a lot of the rest have stopped laying !!!
Good luck all.

Manipulators paradise - hope Radar has set off in the camper van and is not looking at this, because it really is so easy for the big wads to play with this share.

Good luck...

I'm with you Wexford...... nite nite

Good luck all - first tee in the wind tomorrow.

Hotdog:- Selling price slipping to £1.50 - "You've posted on the wrong board - again"
Well at least the weather has been good this week and I am very pleased with my Golf.....
Good luck all..

Was interested and pleased with the response from Nuri with regard to my comments on debt and his disclosure that his local Credit Union is in a very healthy state so far as funds are concerned. It would be even better to me if he was talking about Clonmel, which I hope he is, because of have fond memories of Gerry Chalk's Bar into the wee hours in good company.
He should also know how much his comments have pleased me, when they confirm that the natives are not as gullible as those across the water, having learned their lesson with regard to fools gold in 2008. I am well aware that when I refer to the UK's debt it is a rather sweeping generalisation but none the less is true of the large numbers who voted for Brexit and have not seen the joke yet.
The bank may well be treading water at the moment while the economic tide ebbs but the tide will turn as the future adjustments are made, it is only a matter of time before we begin to feel that warmer breeze.
In the meantime it is good to hear that the country is in much better shape now than before, whilst we wait for the breeze and the opportunities that Brexit will bring. It won't all be good news but changes are coming which will call for finance most probably at higher rates of interest.
Start stocking up the camper Radar and give yourself until September - then have a look again.
Good luck all and our latest pundit...

Hearing tonight that even the "posh" chip shop/burger, clip joint businesses are affected by the malaise in The City - some branded outfit is closing forty branches. Virgin Money and Direct Line have also announced a reduction in head count, as they call it.
This of course has nothing to do with us, this is the experts pruning prudently the enterprises that were floated quite lavishly and now are in sore need of "new money," because they have burned through their investors launch money.
These are the first signs of that glorious return to greatness that LTI referred to and Cameron and Osborne had so much faith in - now they must be embracing my view "well it was good (for some) while it lasted."
A healthy economy depends on people being able to save, to spend whilst being employed in jobs that give them the confidence to do both, eventually being able to buy their own home.
What we are witnessing is an economy being painfully re-balanced after a period in intensive care, exemplified by the very low interest rates and the destruction of shareholders investments in spite of all the "New Money" that they printed which is now gradually being withdrawn as new currency notes are issued.
I am afraid that things are not going to get any better for a good while while yet.
There is too much debt in the economy, which was alright for a while, (all those lovely credit cards) but for those struggling with their assorted burdens of student debt, car loans, high rents or mortgage repayments together with the increasing cost of living, especially if they have to commute, it makes it very difficult for the modern day frothy businesses to prosper and pay dividends.
I am sorry that I am not able to see in vivid colours the bright future that Boris promises - perhaps if I had some of his magic mushrooms I would get a clearer view - even if it is in black and white.
What interests me now is wondering who will follow Boris when the S**t hits the fan.
Well at least the wind has dropped and the course is open and we are playing on the greens, which I wouldn't be doing in Devon.
Good luck all...

The U S may very well be ripe for a good pull back or a "Tree Shake" as Ranger used to say - before he left us for the Lloyds board.
With an election pending Donald would not allow it to happen - now after the election that's a different story.
The drums are faint but they are beating - hedge funds are closing down because even with their super computer algorithms the returns are no longer as reliable, even with big wads being put to work. The pips have squeaked and have been doing so for quite some time - we are not the only ones disappointed , most of the investment products these days available to the ordinary punter barely produce enough to cover the fees that they have the cheek to levy for managing investors money which they have no doubt drip fed into BLUE CHIP investments like The Bank of Ireland !!!
It's one thing to be good at figures - it is an entirely different thing to run a business successfully - the clever lads have had free rein at almost no cost, so far as interest rates are concerned which has produced the "**** up" that we are witnessing now. Just look at house prices in the city's where people can find work - the prices are astronomic if you want to buy, unless you are prepared to commute sometimes over long distances. The rents which people are now expected to pay have become a joke both in London and Dublin which is making recruitment difficult.
It's certainly true to say that we are in a pickle, created by the lads who develop brands instead of quality products - who shrink the contents of packets and tins but still charge you the same price for the smaller or poorer quality product.
Who was it that said "they know the price of everything and the value of nothing."
Amen - boy I'm going to drive that ball a mile tomorrow.
Good luck all from the Wind Tunnel in Newcastle !!!

Because I believe in free speech I have never applied the filter to anyone on here - yet - I have to admit though that there have been times when I have been very tempted.
Good luck all - The wind up here continues but real damage yet.

Well that's that then - everybody will venerate the new reality as its path to greatness "is now so assured."
The merchant fleet will be re-built I'm sure, in order that the new volumes of global trade can be accommodated!!
Hope your camper van has a CD Radar, because the news won't be something that will enhance your mood as you achieve Karma - I hope.
Good luck my boy.

thirty five thousand going over three years as the bank follows the money out east. Change is coming, now that the markets have had their way, it looks as though they will now try to go back to basics with less of a say for bean counters and more backing for entrepreneurs like Alan Sugar.
good luck all off to paddle round the golf course with the ducks..

And this time - I want my divi.....

Radar - you really should have listened to your mother - drink and good prose "DO NOT GO TOGETHER" no matter how bad the news becomes....
Have another go, now that you have had a good nights sshleeep...

Good luck all..

Mugged - that's what we have been - who thought during the bust that .37cents was not good value for a share that had been 12 Euro's and was bound to recover?? It was a bank for gods sake....
The ride post crash has been an excellent example of how the modern de-regulated markets are allowed to work - or have been up to now and representatives have apparently slept through it all!!!..
When the share was revalued for a fee by whoever - we were robbed again by the gross miscalculation of the shares value being priced at 7.40 Euro's - this after the government had burned the bond holders to reduce their obligations - all of which was legal...
Now that the same people (the banks) control many of the insurance companies it is no wonder that premiums are escalating and at the same time represent such poor value for the customer.
God be with the days when companies were run with integrity by proper accountants and executives - where are the Pearl's and General Accidents now - when comprehensive insurance was comprehensive and an excess was £50.
Happily I don't need to cash in my shares - being an optimist by nature I am inclined to hang on and anyway I would miss the free counselling....

Good luck all..

That it could not get any worse, Boris fires the Northern Ireland secretary and forces the chancellor out - whilst the "Mad Monk Cummins" - is broadcast walking up to the front door of No.10 dressed like a rough sleeper or Gandhi,with his paper cup in his hand as though he has just been begging on the pavement.

This definitely cannot last and I sincerely hope that it won't - I am reminded of Margaret in her pomp being more royal than the Queen - and we all know how that ended.

Boris is already courting disaster but nobody feels threatened yet so soon after the election, we will see how he fares during the Brexit process, he will be allowed his first gaff and maybe another, but that will be it for him and his paramour now that the Tory's have their majority.

Have just watched an interview between Michael D and Tommy Teirnan and have to say I enjoyed the Presidents summation with regard to the UK - "Now that they have discovered Greatness" - I really enjoyed that.

What a world we do live in....

Good luck all....

Now now Radar - it's one thing to be dismayed at the outcome BUT like Brexit the "young electorate" have spoken along with the nation. I'm no happier than you, but you have to remember that todays youngsters are largely the product of the Celtic Boom. It got everybody excited and finished with a nation where both parents have to work just to keep a roof over their heads - and do not always succeed.
Without the wisdom that their parents should have passed onto them, about 'fools gold and decking' but couldn't because they were putting in long hours and commuting. Their children were left at the mercy of the modern day media where acres are devoted to the new 'celebrity culture' - no wonder they have proved to be so easily persuaded.
This is however much more serious economically - the level of debt in the economy is also a weapon that can be turned against the people - interest rates rise now, god help us. There will be no shortage of housing because many of the occupants will have left due to re-possessions.
Our politicians allowed this to happen - the problems created by the crash had got to be addressed - but a lid should have been kept on house prices with the people in mind who need to live in them and raise their families. Greed unfortunately ruled and the houses were sold off/given away at auctions, now when the problem could be addressed there is a shortage of tradesmen made worse by the greed that makes rents for everyone so expensive, robbing the tradesmen of their digs.
No wonder people wished for a change - the change should have been making the TD's accountable which I suppose brings this result. What a mess - surely SF's actions or lack of them up here have been noticed south of the border - I'm afraid that this is a change that will not achieve very much, at a time when the government should be building for the future.
Ireland still produces and educates talented people, unfortunately many of them leave and do not return.
Chins up - a government has not been formed yet and may require another election - given a second chance,which could happen, a different outcome may yet emerge.
Whoever gets the job will be sorry, because it will be a bed of nails thanks to Brexit and Boris's Billions which may yet prove to be an hallucination - the country hasn't got that kind of money any more thanks to our world beating banks LOL.
Good luck all.

"Well there you are now" as they say down the country - I am up here stunned at the extent of Sinn Fein's success. I have nothing to add to the numerous comments posted except to say that I will have to light the candle again on behalf of the nation.
Just when you thought that it could not get any worse - Boris wins - Trump gets a free pass and Brexit has still to happen.
Radar you are right again - the world is becoming a very strange place - thank god I can still play golf !!
Very windy up here so will wait to light the candle - Good luck all.

I have to agree that change was/is badly wanted, but for once I question the wisdom of the electorate in making such a strong protest and choosing SF to do it.
Up here SF have enjoyed power for a number of years with no obvious signs of rampant thought police and foolish social programmes undermining the economy - that was the other party. Most people seem to rub along quite nicely up here - yes I know that the statistics suggest that the north is practically a basket case - but you should try getting into a restaurant at the weekend even in the winter. The small towns have largely escaped the blight of On-Line shopping, yes they are affected by it, but it hasn't shut them down. Looking at the way many of them are able to live I am more than ever wishing that I had employed some of the accountants up here when I was in business.
Sinn Fein in government in the republic is not something that I am ready for yet, they have still to prove themselves up here "now that the Assembly is back in operation." I am prepared to believe that they can now contribute positively to fixing the "Horlicks" that is the budget arrangements and allocation of funds that build higher and higher monoliths that always run over budget, whilst the health service is working at perhaps 60% of capacity due to staff shortages, which are made worse by the recruitment of agency staff on a shift basis which results in them being paid more for less. The UK going rate is £400 a shift for nurses and £1500 per shift for doctors - no wonder they are retiring from GP duties for profitable part time employment.
Who presides and sanctions this abuse of public money because I am quite sure that it isn't a secret - even paramedics can be employed on a part time basis - one admitting to me that it was the best decision that he had made, because he could still go home with same money but enjoy more leisure time.
Sinn Fein are not yet ready for a share of government in the republic, they need to show that they are more than just good at talking - they need to put their shoulder to the wheel up here and demonstrate their credentials to the republic.
When they have done that by at least achieving an improvement in financial governance in education and the health service they will have every reason to be taken seriously down the road - because they will have performed a minor miracle, considering what they are up against.
They do have something to offer, a number of them command considerable respect amongst the academics who advise them for the way that they apply themselves and are always "prepared" for meetings. They are however a work in progress, which has not produced the finished article yet - I hope that this will be borne in mind when the new arrangements are being discussed with their two girls.
Thank god for the rugby team and good luck all.

I'm with Radar - no party can claim to be virtuous amongst the present crop of opportunists and particularly not in the recent past up here.
Quite what has happened in the Republic is very hard to understand - I can only think that the TD's were all too busy grabbing and selling favours/influence. This has resulted in fantastic house prices (In Dublin) and a health system which is not at all fit for the purpose of safeguarding the well being of the people.
How can it have come to this - so many people are condemned to penury - with the young people again seeking solutions outside the country and a long way from home.
Whilst I would find it very hard to vote for "the Shinners" something has to be done in order that some sanity might be restored and the chance to buy a home can again be a realistic hope for our young people, without the need for a Parental subvention or guarantee being sought from them.
They say the economy is booming and for some of the lads up here in The Mournes it is - some of them are coming home at the weekend with a pile of money - but houses are still affordable up here, especially when you can now build them.
These Vultures and absentee landlords have the country ruined - even a good horse can only gallop for so long - I wish that I could feel that future remains bright, but with all the money swilling about again and debt levels rising it is not easy to be optimistic for our young people.
There we are - I'm ranting again - come on Ireland at the Aviva.