Author Topic: Joe, I borrowed money. Now I have to pay it back.  (Read 2619 times)

Online Shallowhal

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Re: Joe, I borrowed money. Now I have to pay it back.
« Reply #15 on: September 07, 2017, 03:01:51 PM »
Would a burd called Concepta entertain anyone called Mick?

Offline Vikkiz

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Re: Joe, I borrowed money. Now I have to pay it back.
« Reply #16 on: September 07, 2017, 03:28:43 PM »
Banks can and will "fine" customers who pay lump sums off their loans. Especially within the fixed rate term of the loan. Wall banks are different though. I will hopefully pay a lump sum when I get me inheritance, or do I invest it a 10 year plan with a high return but also high risk, or low risk, low return

Online Shallowhal

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Re: Joe, I borrowed money. Now I have to pay it back.
« Reply #17 on: September 07, 2017, 03:34:55 PM »
Fixed rate loans will always attract a penalty...they're upfront in telling you that much but variable rate loans can generally be paid off early,always best to ask them though.
I'd love to get rid of the mortgage though,€600 per month on hookers and cocaine...a bit of a treat!!

Offline Vikkiz

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Re: Joe, I borrowed money. Now I have to pay it back.
« Reply #18 on: September 07, 2017, 03:42:04 PM »
Yes and as Lip said, always be in debt to your local credit union. If you croak it, the loan is written off and MOST will double whatever savings are in the account. Terms and conditions obviously apply, every credit union is different. Some you have to opt in to this benefit.

Online Shallowhal

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Re: Joe, I borrowed money. Now I have to pay it back.
« Reply #19 on: September 07, 2017, 03:44:37 PM »
Some you have to opt in to this benefit.


Does Ermy know that?

Offline mercenary for hire

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Re: Joe, I borrowed money. Now I have to pay it back.
« Reply #20 on: September 07, 2017, 03:57:58 PM »
Variable rates have no penalty.Some banks with fixed rates will allow you to overpay by 10% without getting a penalty.Double check as usual though.

Offline Dr. Martin Gooter Bling

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Re: Joe, I borrowed money. Now I have to pay it back.
« Reply #21 on: September 07, 2017, 05:55:36 PM »
Joe, I borrowed money. Now I have to pay it back.
Joe, I'm wary of strangers approaching my taxi.
Joe, when theres Garda checkpoints 5000 illegal taxis dissappear.
Joe, my PSV license renewal went up 3000%.
Joe, I predicted all this years ago.
Joe, I don't know how it'll all end.
Joe, I spent €17,000 on a new car. Now the NTA are telling me it can't be used as a taxi.
Joe, the taxi regulator is on six figures.
Joe, I need to work a hundred hours a week to make what I'd get on the dole.
Joe, before deregulation I made a good living, not a great living.
Joe, the taxi industry is the most regulated industry in Ireland.
Joe, if I'm off the road I can't make money.
Joe, I forgot what I was gonna say.
Joe, I can actually get on a rank when the guards are out doing their job.
Joe, there's unemployed brain surgeons and airline pilots out there drivin' taxis.
Joe, all the blacks were handed medical cards.
Joe, I'm considering gettin' a job flippin' fuckin' burgers at Burger King.
Joe, the taxi game is a dumping ground for criminals.
Joe, the Nigerians say "you show, I go" to people.
Joe, I shouldn't have to clean up vomit.
Joe, we had a whip round to send a black fella home to see his sick mother.
Joe, It's illegal to ask a customer for a deposit.
Joe, diesel cars will be banned from College Green.  Only electric cars will be allowed pass.
Joe, I'm a taxi driver.
Joe, who'd give me a job.
Joe, the Nigerians give you counterfeit money in change.
Joe, I drove around for 6 months with an expired psv license.
Joe, there's teachers driving taxis during the summer. You can see them correcting homework.
Joe, why should I keep my car clean. It's only gonna get dirty again.
Joe, I'd lose my license if my car wasn't clean.
Joe, I'm running a business.
Joe, receipts are a waste of money.
Joe, if there's no ink in my pen technically I'm an illegal driver.
Joe, i failed the suitability test because my bandages were out of date.
Adrian, I mean Joe...
Joe, how many blacks are employed in the government? How many work in RTE for that matter.
Joe, I don't pick up women.
Joe, I only pick up women.
Joe, I make more from the soilage charge than I do from fares.
Joe, I'm allergic to guide dogs.
Joe, if I'm driving around looking for fares I'm using fuel.
Joe, taxi drivers don't carry much money on them.
Joe, I'm not required to carry change.
Joe, the industry should become cashless to protect driver's safety.
Joe, it's illegal to install cctv in my car.
Joe, self drive cars are about to be introduced.
Joe, they're gonna bring in tachometers and facial recognition technology.
Joe, if you work over 8 hours then your car won't start.
Joe, the revenue will be able to print off every fare you do.
Joe, I can't afford all these expenses.
Joe, the taxi regulator embezzled twenty million euro of our money.
Joe, I'm driving 36 years. I've never seen the taxi regulator on the ranks.
Joe, the taxi regulator doesn't have the right to check my details.
Joe, the Nigerians eat their dinner while they're driving people around.
Joe, I spent a hundred grand on my plate. 2 days later mary harney deregulated the industry.
Joe, I still owe a hundred grand after buying my plate in 2000.
Joe, the rental sector is a hive of criminality.
Joe, the nigg....i mean, the Africans don't know where they're going.
Joe, the little green light on the roof sign is to tell punters the taxi is available, that's all.
Joe, punters don't want to get in taxis driven by blacks.
Joe, the blacks rob people.
Joe, we're gonna occupy Fitzwilliam Square 'till our demands are met.
Joe, the taxi regulator is trying to starve us in to submission.
Joe, I have bills to pay.
Joe, if I went to Nigeria I wouldn't be allowed drive a taxi.
Joe, there's fellas out there on the fuckin' dole driving taxis. Sorry for the language, Joe.
Joe, there's this thing called "back to work enterprise allowance."
Joe, a fella told me the blacks had their cars and plates bought for them by the tax payer.
Joe, they contribute nothing to the economy. They send all their money home.
Joe, the roof sign causes increased fuel consumption.
Joe, we're gonna be barred from College Green and the quays.
Joe, the Nigerians don't drink or smoke.
Joe, the blacks and their dodgy claims is the reason why insurance has gone up.
Joe, we need your help.
Joe, you do often get people running off without paying.
Joe, we're meeting with the taxi regulator tomorrow.
Joe, the Nigerians are more racist than the irish.
Joe, I earned fifteen hundred euro a week minimum in the good times.
Joe, the double jobbers come out at our busiest times.
Joe, we're gonna march on Leinster House.
Joe, we're prepared for the long haul.
Joe, there should be daytime plates and nighttime plates.
Joe, its awful but ye just havta get on with it.
Joe, I've mouths to feed like everybody else.
Joe, the Nigerians won't direct the customer to the first taxi in the queue who's probably been waiting 3 hours for a fare.
Joe, before deregulation all the drivers obeyed the "first in the queue" rule.
Joe, we're taking our case to the European Court of human rights.
Joe, we're perceived as poor mouthers and always moaning.
Joe, there should be a different queue for short runs up the airport.
Joe, they're advertising package deals in Nigeria saying "come to Ireland and drive a taxi."
Joe, the Nigerians were handed their licenses.
Joe, irish drivers have to get 80% to pass the psv exam. The Nigerians only havta get 40%.
Joe, I'm down money before I even begin.
Joe, the Nigerians drive cloned taxis.
Joe, there's 5 or 6 of them sharing the car on the same policy.
Joe, we all knew each other years ago.
Joe, we were promised "one man, one plate."
Joe, these new small wheelchair taxis are taking business away from saloon taxis.
Joe, I'm self employed.
Joe, I'm not qualified to give first aid.
Joe, a car's value depreciates after its been used as a taxi.
Joe, business plummets for taxi drivers when theres a bus strike.
Joe, the bus drivers will be out driving their taxis.
Joe, I havta get my car passed out next week again.
Joe, it's all money.
Joe, there's 500 taxi rank spaces for 15,000 taxis.
Joe, they removed our rank overnight and didn't tell anyone.
Joe, we're gonna bring this town to a standstill. It's the only way we'll be heard.
Joe, I'm up in court next week for "plying for hire at an unappointed stand."
Joe, I could be fined €5,000.
Joe, the airport should be opened up to all taxis.
Joe, the guards are harassing drivers just trying to make a living.
Joe, the traffic corps keep moving us on.
Joe, my windows are too tinted to be used as a taxi.
Joe, I was told I can't transfer my license.
Joe, I'm a fool for playing by the rules.
Joe, I'm not racist but we all know who the biggest offenders are.
Joe, I spent forty grand on a people carrier. The new wheelchair specifications will ruin me.
Joe, I only drive mercedes cars.
Joe, I can't afford to buy another mercedes.
Joe, the money isn't there to warrant buying a mercedes.
Joe, there's money in this country.
Joe, the public deserve to be driven in high end cars.
Joe, we're assured by the government Uber won't be allowed.
Joe, I've huge debts. I had to sell my plate for three grand. I'm on the dole now.
Joe, I shouldn't have to look at two gay fellas kissing. I told them to get out.
Joe, I only use Hailo to pick people up.
Joe? Can you hear me? Joe? The cunt can't hear me. Joe? Am I on the air?
Joe, I can't stop ringing in.
« Last Edit: September 07, 2017, 06:04:03 PM by Dr. Martin Gooter Bling »

Online Shallowhal

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Re: Joe, I borrowed money. Now I have to pay it back.
« Reply #22 on: September 07, 2017, 06:27:23 PM »
Joe,me bleedin thumbs are killin me!!

Offline Vikkiz

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Re: Joe, I borrowed money. Now I have to pay it back.
« Reply #23 on: September 08, 2017, 11:50:45 AM »
Joe,me bleedin thumbs are killin me!!
rofl rofl rofl rofl rofl

 


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