A Different View
The little people are more hassle than they’re worth
A Different View with Dave O’Connell
At a rate of inflation that would leave Argentina looking like a stable economy, we have the Central Bank one week declaring that one and two cent coins are effectively worthless to the Bank of Ireland the next upping that worthless bar to anyone looking for less than €700 of their own money.
But at least we now know where we stand – you should not bother yourself with coppers in your pockets and don’t bother the bank if you’re one of the little people.
Best place for you is as part of a long queue waiting for a window in the busy life of the ATM, standing in the wind and rain like everyone who doesn’t know how to spend big.
If on the other hand, you’re looking for millions to buy up a small county and fill it with cardboard houses, then walk right on in, sit down, shoot the breeze and make an appointment with your friendly bank manager before you go, for a game of golf in the K Club.
None of this has anything to do, of course, with the announcement in the recent Budget that there will now be a twelve cent charge for each ATM transaction – although given the Central Bank initiative on small coins, if you could pay for this in cash, it should only be ten cent.
It’s not just on outgoing cash that this big bank is raising the bar however – they don’t want to know you either if you’re not earning enough to entitle you to an actual staff service.
The upshot is that if you’re running a small business and your lodgement is less than €3,000, then you should learn how to do this on your own with a machine as well – such a pittance doesn’t entitle you to human help.
So if you’re the owner of a small business and your daily or weekly takings are somewhere around €2,500, then you have a choice to either keep your cash on the premises – thereby running the risk of robbery – or take your chances with dropping your earnings into an automated bin.
And God help you if you have a sweetshop that still accepts copper coinage because you’re then screwed from both sides – you should be dealing in small change with customers or with your banker.
Chances are then very few of us will ever grace the inside of a bank again – I’ve never banked anything near €3,000 and I wish I had the facility to withdraw more than €700 at a pop, but I know I share both of those inadequacies with the great unwashed.
Unless you were a banker, for example, your pension is unlikely to entitle you to be throwing around three grand or even seven hundred quid – so that’s old people gone from the inside of the banks.
For more, read this week’s Connacht Tribune.
A Different View with Dave O’Connell
The only time in your life that you should ever utter the words: “Do you know who I am?” are if you’ve just had a bang on the head or you are unfortunately suffering from dementia.
Because, otherwise, the phrase ‘do you know who I am’ only serves to make things a whole lot worse.
Normally, the phrase is unleashed towards late night door staff on a wave of alcohol – and never once in the history of time has it produced the result the utterer had intended.
The doorman may well know who you are which is often the very reason you’re not getting into the place in the first instance – or if he doesn’t know who you are, he won’t be unduly influenced when he does, unless you’re a famous movie star or his long-lost cousin.
‘Do you know where I am?’ might often be closer to the phrase you’re looking for, because that would serve you well when you’re looking for a taxi.
‘Do you know who I am?’ is a threatening phrase that in truth wouldn’t frighten the cat. But if you’re anxious to dig the hole a few shovels deeper, you should follow up with ‘I’d like to speak to your manager.’
Managers can be elusive at the best of times, but they’re normally rarer than hen’s teeth when it comes to the small hours of the morning – and even if they’re there, they are most likely watching proceedings on CCTV…just so they know who you are, in case you yourself can’t remember.
‘I’d like to speak to your manager’ suggests that you and he or she are from the one social sphere which is several strata north of the one occupied by door staff.
For more, read this week’s Connacht Tribune.
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A Different View with Dave O’Connell
As it turned out, we were much closer to a Eurovision win than we could ever have imagined – not Ireland, of course, because we’ve now mastered the art of just sending cannon fodder to be blown out in the semi-final.
No, this was just two of us – myself and our eldest – who were lucky enough to be at Anfield for the Reds’ recent win over Brentford, where positioned in the seat right in front of us were four happy lads from Finland.
One of them, we now know, was Käärijä, the singer of the catchiest song at Eurovision, Cha Cha Cha.
But just a week before 7,000 people sung his catchphrase at the Eurovision Arena, he and two his mates – accompanied by an older bloke who had to be either his dad or from the national broadcaster – sat anonymously in the same corner of the lower level of Anfield’s Main Stand.
He was utterly unknown to us as well of course, and the only thing that saw him stand out was his green nail varnish. Live and let live, of course, but it still ensures that you make an impression even if it looks like you were just very late for St Patrick’s Day.
Käärijä may well be Liverpool’s greatest Scandinavian fan, although the bar for that is set fairly high, given that they invade the city in greater numbers every two weeks than the Vikings did just once during the first millennium.
Equally, he may not be a football fan at all – although, as the rest of the week proved, he sure loves a crowd.
Positioned as we were in the corner of the Main Stand, the next section to us, around the corner in the Anfield Road Stand – currently adding a top layer – was occupied by the visiting Brentford supporters.
For more, read this week’s Connacht Tribune.
Connacht Tribune Digital Edition App
Download the Connacht Tribune Digital Edition App to access to Galway’s best-selling newspaper.
Click HERE to download it for iPhone and iPad from Apple’s App Store, or HERE to get the Android Version from Google Play.
Or purchase the Digital Edition for PC, Mac or Laptop from Pagesuite HERE.
Get the Connacht Tribune Live app
The Connacht Tribune Live app is the home of everything that is happening in Galway City and county. It’s completely FREE and features all the latest news, sport and information on what’s on in your area. Click HERE to download it for iPhone and iPad from Apple’s App Store, or HERE to get the Android Version from Google Play.
A Different View with Dave O’Connell
Contactless payments reached a record €17.9 billion in Ireland last year – up by 31 per cent on 2021, as people came out from under their Covid shell and appear to have left their cash behind them.
Figures from the Banking & Payments Federation found that – despite the cost-of-living increases – the Irish public made three million contactless payments a day, worth an average of €53 million in the final quarter of 2022.
Given that there are 3.8 million people in Ireland over the age of 18, that means that almost every single one of us tapped the card every day last year.
And again, on the presumption that there are a few who still prefer peeling a fifty off a wad of notes, the true figure may be even higher, as we eschew actual money every time we go into a restaurant, bar or shop.
Then comes the monthly morning of reckoning when you open your statement – electronic of course because, like paper money, banks don’t deal in paper statements anymore either – and your guilty secrets unfurl like a rap sheet before your very eyes.
Five taps of a Friday night in the local, followed by a five-ounce burger meal on the way home.
And just why did you need a family-pack of crisps when a small bag would have done? Was all that beer and wine really for a party, or a night in just for one?
Cash provided plenty of dark corners to ignore your profligacy, but there are no hiding places in the contactless world.
Worse still, until that morning of reckoning arrives, you’ve no clue how much you’ve spent, and handing over the card doesn’t hurt half as much as parting with hard cash.
For more, read this week’s Connacht Tribune.
Connacht Tribune Digital Edition App
Download the Connacht Tribune Digital Edition App to access to Galway’s best-selling newspaper.
Click HERE to download it for iPhone and iPad from Apple’s App Store, or HERE to get the Android Version from Google Play.
Or purchase the Digital Edition for PC, Mac or Laptop from Pagesuite HERE.
Get the Connacht Tribune Live app
The Connacht Tribune Live app is the home of everything that is happening in Galway City and county. It’s completely FREE and features all the latest news, sport and information on what’s on in your area. Click HERE to download it for iPhone and iPad from Apple’s App Store, or HERE to get the Android Version from Google Play.
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