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Money Diary A finance analyst on €60K living with family just outside Dublin

This week, our reader is enjoying going out and socialising with friends again after the lockdowns.

WELCOME TO HOW I Spend My Money, a series on The Journal that looks at how people in Ireland really handle their finances.

We’re asking readers to keep a record of how much they earn, what they save if anything, and what they’re spending their money on over the course of one week.

Are you a spender, a saver or a splurger? We’re looking for readers who will keep a money diary for a week. If you’re interested send a mail to money@thejournal.ie. We would love to hear from you.

Each money diary is submitted by readers just like you. When reading and commenting, bear in mind that their situation will not be relatable for everyone, it is simply an account of a week in their shoes, so let’s be kind.

Last time around, we heard from a support worker on €35K living with her partner in the south west of the country. This week, a 26-year-old finance analyst on €60K living with family just outside of Dublin. 

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I am a 26-year-old finance analyst working for a multinational company and living on the Kildare/Dublin border. I am still working from home and will begin a hybrid of working from home and going into the office shortly. I work 40 hours per week and am enjoying the work I am doing. As I started my current role from home, I am very excited to get into the office a few days a week, but I 100% believe hybrid working is the way forward.

Having only recently moved to the area, I am renting a room in a family member’s house. While I am happy with the current situation, I’m aware that it isn’t going to be a long-term solution so I’m actively looking for a room closer to the city. The rental market has proved to be a bit challenging since I moved up – in a lot of cases, the nicer rooms are more expensive than a mortgage repayment would be so that can be a little bleak to think about! I am counting myself very lucky to have the current set-up – it allows me to be a bit selective in what I go and view.

Thankfully, my savings have improved quite a bit in recent months – the only good thing to come from the pandemic! I also finished up a training contract with one of the “Big Four” accounting firms in April and moved away from practice into industry, which increased my salary quite a bit. I have been living out of home since I was 18 so prior to this, I was never really able to save anything significant, so it’s comforting to see my savings get a bit healthier. I transfer €1,000 to my savings account on each payday. At the end of the month, I usually have a few hundred left over that I keep in my current account as a cushion for any unexpected costs that might pop up the following month. My main aim at the moment is saving for a mortgage, although I don’t see myself qualifying for anything decent for quite some time.

My weekly spending tends to differ quite a bit depending on my plans, but I’m definitely not frugal. I don’t usually stray too far from my normal pattern Monday – Friday, but now the country has reopened, I’m trying to do as much as I can on the weekends. If I am not heading home to my beloved Cork for the weekend, you’ll usually find me around Dublin for a meal and drinks on a Saturday with family or friends, something I am at my happiest doing – I really missed it during the lockdowns. Maybe this is another good thing to come from the pandemic: an appreciation for the nights I used to take for granted. I think it is.

Occupation: Finance analyst
Age: 26
Location: Kildare/Dublin border
Salary: €60,000
Monthly pay (net): Approx. €3,500

Monthly expenses

Transport: Approx. €80 – diesel and tolls
Rent: €125/week
Household bills: Included in rent
Phone bill: €35
Health insurance: N/A
Groceries: Approx. €180
Subscriptions: €15 – €7.99 for Netflix and €5.99 for Spotify (still linked to my student account)
Car loan: €420 – I’m trying to clear this ASAP so I’m repaying a good bit more than the minimum repayment requirement
Gym: €57 – paying monthly as will be moving away from the area closer to the city soon
Charity donations: €21 – Mercy University Hospital Foundation, Cork
Savings: €1,000

Monday

7.45 am: I wake up and read a quick chapter of my book before climbing out of bed and making my way to the table. 

8.15 am: I have a busy morning of meetings ahead so I start planning for the first one while eating my breakfast and drinking a coffee. 

1.00 pm: A busy morning of meetings means I don’t get a huge amount of work done, like contributors gone before me have mentioned. I feel like I am always on video calls since working from home, but I am pretty used to it now. I break for my lunch and give my grand-aunt a call for a chat.

6.00 pm: That’s Monday done. Once I log off the laptop, I head out for a 30-minute walk/jog to clear the head and make myself feel a bit better about skipping the gym this morning. Grocery shopping has been done in the meantime, so I transfer money for my share (€14). We are splitting the cost of groceries between the three of us at the moment as we are all eating the same dinners, which works out pretty well as we rotate the cooking. 

7.00 pm: I give a hand with the cooking tonight – homemade ramen, which turns out to be pretty tasty. Once we have eaten, we catch up on Kin as we missed the episode on Sunday and then throw on Netflix for a couple of episodes of Maid.

9.30 pm: By this time, I am exhausted so I decide to head up to bed – scroll through a few clothing websites but nothing jumps out at me and I am asleep for 10.30 pm.

Today’s total: €14.00

Tuesday

7.05 am: I wake before my alarm and get straight up before I can think about lying in. I head to the gym, which is just under a 10-minute drive. I recently rejoined and have enjoyed getting back into it, definitely does good for the mind. My diesel light comes on when I am driving back so I stop at the next station (€30) – half a tank will do for now.

9.00 am: Time for work. Not a bad morning of meetings so should be able to get a good bit of work done that has been hanging over me.

1.00 pm: Happy with this morning’s work, got a good few things ticked off! I break for lunch and make a sandwich with a cup of coffee. I’ll be cheffing tonight so get cracking on a red Thai curry, nice and easy. With the chicken simmering and the veg prepped for later, I head back to the laptop for what I hope will be a productive evening.

6.15 pm: I log off the laptop and head straight for a barber. I’m happy with the cut so include a tip (€18). Feel like a new man and about two pounds lighter. When I get back home, I finish off the curry and serve up.

8.00 pm: After dinner, I relax on the couch for a bit and catch up on some shows that I’ve recorded. I also remember that I need to complete my Continuing professional development (CPD) for work by the end of the month, so I head on to my institution’s website to make sure I understand exactly what is required before then.

10.00 pm: I catch myself yawning, so call it a day and head to bed. 

Today’s total: €48.00

Wednesday

7.15 am: Wake up. Gym. Shower. Head back home.

9.00 am: I throw myself in front of the laptop with breakfast and a coffee. Don’t have too many meetings today so things shouldn’t be too hectic.

1.00 pm: Not a bad morning put down, so time for lunch. I mull over what I will have but stick with the usual eggs, medallions and avocado. Will be heading to see No Time To Die next week so I watch a bit of Spectre during my break – is it just me or is Christoph Waltz the only good thing in this one?

6.00 pm: Hump Day done. I need some fresh air, so I go for a walk to Lidl (a 10-minute walk each way) for a few bits for dinner. I’m on my own tonight so it’s going to be some ‘nduja pasta. Pick up what I need as well as a few bits for lunch tomorrow (€6.65).

8.00 pm: Fed and watered for the night so lamp myself in front of the TV with my laptop. I’m heading abroad with two friends at the end of the month and it cannot come fast enough – it’s been a long two years since I was on a foreign holiday! I go online and sort out our transfer from the airport (€10, my share) and buy tickets for a 2.5-hour Danube cruise, which includes a four-course meal and live music because why not… (€74.42, my share).

10.00 pm: Feeling pretty tired so I retire to bed and read a chapter of my book, scroll through the various social media and am asleep by 10.45 pm.

Today’s total: €91.07

Thursday

7.00 am: “Tá an t-am caite anois”, as the mother would say – I head to the gym, do my bits and am back, showered and sitting at the table ready for work by 9.00 am.

1.00 pm: Busy enough morning, barely saw the time pass and I am starved. I break for my lunch and give my bedroom a quick run around, nothing too exciting.

6.00 pm: Thursday done, the week is flying. I finally get around to ringing a pension provider. Based on my previous training and current contracts, I haven’t had access to the companies’ schemes, but realise I really need to get a move on with putting something away every month, so I schedule a virtual consultation for next week. For a lad working in finance, I know embarrassingly little about pensions and probably should have this long sorted but anyway, it’s moving now and a weight off my mind.

7.00 pm: After I do my washing and clean the bathroom, it’s time to suss dinner. The brother-in-law suggests Base Pizza and gets no complaints from me. We order a “family” deal for the three of us (€13). Once the food arrives, we tuck in and catch up on Gogglebox Ireland.

9.00 pm: Mum gives me a buzz and we chat for about 15 mins. I have a cup of tea, watch some Channel 4 and head up to bed around 10.15 pm.

10.20 pm: A chapter of my book and maybe three TikTok videos later, lights out by 10.45 pm.

Today’s total: €13.00

Friday

8.00 am: Having slept through my alarm, I wake around 8 am and realise it’s too late to make it to the gym – no hassle, lie-in it is.

8.30 am: I manage to get myself up and make my way to the table for work – have early morning meetings again, so I begin planning for those.

10.00 am: First morning meetings over and done with so I go to make my breakfast and find we are out of milk. I spin down to Lidl where I pick up the milk, some sparkling water and find my willpower being tested by the unbelievable smell of pastry. Ultimately, I give in and pick up three hazelnut croissants (€6.19). Coffee also tastes extra good this morning. Maybe it’s because it’s Friday?

1.00 pm: Morning done, time for lunch. Once I have eaten, I head to Lucan to SuperValu to grab a few bits for the evening – will be heading to a friend’s house for dinner. I grab a few beers and a bottle of wine to bring with me (€19.95).

6.00 pm: Finish up work after a busy but productive day. Throw some bits into a bag and head into the city for the weekend.

8.00 pm: With the curry my friend made devoured and a couple of beers later, we make half a plan for our trip. We book parking at Dublin Airport for the few days we’re away, which we split between us (€15.70, my share).

10.00 pm: We pull out a game of Monopoly – my first time playing, I’m ashamed to admit. I make a winning move by buying a property on Shrewsbury Road – the only time I will come remotely close to owning anything on Shrewsbury Road… once we are done, it’s nearly 1.00 am so we call it a night.

Today’s total: €41.84

Saturday

9.00 am: Up and at ‘em. We decide to head for breakfast in Rathmines. I order a pastrami sandwich with a flat white, which is all very tasty (€12). Once we have finished, we grab a taxi down to the docks as we are doing a tour of Dublin Port as part of Open House Dublin (€7.50, my share).

12.00 pm: Tour of the port done – all very interesting in fairness. I highly recommend doing a few tours as part of OHD, tickets are usually free and it’s a nice way to spend a few hours. We walk halfway into town but looks like it’s going to rain so we flag down a taxi for the other half (€5, my share).

2.00 pm: I run into Arnotts to grab a weekend bag for the holiday – the zip on my current one is broken so it’s needed. After looking around for a bit, I finally find a decent one. I have an online voucher for most of the cost so only end up paying €19.43. I keep my head down as I walk through the rest of the store, so I am not tempted to buy anything else. I float the idea of a few pints while we are in town and my friend doesn’t take much convincing, so we decide to head over to Grogan’s.

6.00 pm: The pints of Guinness and Beamish taste too good so we end up staying on in Grogan’s a lot longer than expected. A few toasted specials and a lot of stout later, I’m down €43.40, but all very much worth it. I end up texting my brother to see if he is in town… would be rude not to. We run into Pyg first for a quick pizza as it’s across the road before meeting my brother and his friends in Stag’s Head where we stay until closing. A typical end to “will we go for a pint”. (€52.20)

12.30 am: We arrive back to Rathmines after waiting a bit for a taxi. I get the taxi for us both given I will be bunking in my friends for the night (€14.20).

Today’s total: €153.73

Sunday

10.00 am: After a good lie-in, we surface and make some breakfast and have a coffee. We decide to head out to Dundrum to have a look around the shops as we have nothing planned for the day. En route, I transfer two weeks’ rent for my room so that I can have a clear view of my money situation until payday and realise I definitely won’t have much of a cushion by the end of the month but what harm, I don’t sweat it too much. (€250)

2.00 pm: Not much to report since this morning. We picked up another friend on the way to Dundrum and I didn’t end up buying anything other than a bowl of pasta for lunch! (€18.95).

7.00 pm: Sunday has turned into a very chilled day, which was needed after the last two nights. I head back to my own place and pick up a takeaway en route – it’s one of those days (€16.95).

10.30 pm: After watching a few episodes of Maid on Netflix, I head to bed where I’m asleep before I hit the pillow.

Today’s total: €285.90

Weekly subtotal: €647.54

***

What I learned –

  • This was definitely a more expensive week than what I am used to, and I got a bit of a land when I totalled it up! In fairness though, there were a few expenses incurred that wouldn’t normally be a part of my week – I transferred two weeks’ rent as opposed to one and also spent a bit of money on necessities in preparation for my trip so all in all, it was bound to be a costly week.
  • I’ll be the first to admit that I spend a bit of money on the weekends but honestly, I don’t mind it – given the fact we spent nearly 18 months with our social lives on hold, I am happy to head out now and again and give the restaurants and bars some business.
  • I also find I am spending more now that I have moved to Dublin – I definitely didn’t spend as much while I was in Cork and while part of that is due to the fact that Dublin is pricier, it’s also down to me wanting to make the most of my weekends in a relatively new city. I could and should ease off on the takeaways though!
  • I should probably reduce my car loan repayment now that I am spending more money on other things. I increased my repayments back when the pandemic started in order to pay off the loan faster, but I want to keep up my €1,000 savings a month so I think this would be a wise move.

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9 Comments
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    Mute Pat Kirwan
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    Dec 7th 2012, 11:27 AM

    Lets hope the whistleblowers have the protection they deserve for taking such a brave step.

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    Mute Healy Ray Gun
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    Dec 7th 2012, 11:59 AM

    Sad to say from what I have read and heard Clare Daly say, that they have whistle blown before and got in deep trouble in the Guards. A superior struck one of them.

    They are brave honest men, that just have had enough of the culture of the Guards and the sad truth is that they will suffer for it.

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    Mute Sean Beag
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    Dec 7th 2012, 12:33 PM

    Unfortunately Ms Dalys speech showed that she doesn’t understand the issue at all. This isn’t a matter of removing penalty points. Gardai can’t do that. It’s an issue cancelling tickets.

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    Mute Healy Ray Gun
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    Dec 7th 2012, 12:47 PM

    Sean. Higher ranks can cancel them. The issue is not whether they word cancelled or removed are technically correct, the spirit of both is correct in her usage.

    It is disturbing to see that someone is nit picking and distracting over such serious issues and endemic problem. A problem that reflects very poorly on the entire force and its commitment to all being equal before the law and its ability to perform in an honest and impartial manner. If you are a Guard then your attitude is reflective of the cultural problem in the force and very worrying.

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    Mute Sean Beag
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    Dec 7th 2012, 1:01 PM

    I can’t help but notice you named yourself after Healy Ray, the independent who held back his support for a government until he could get as much as he could for his locality. And yet you take the moral high ground.

    In any case, the fact is that Ms Dalys representation of the issue was completely wrong and over the top. There’s a big difference between wiping a driving record and cancelling a ticket.

    Gardai have discretion when it comes to prosecuting because sometimes a prosecution is not the best course of action. There are many many legitimate reasons for cancelling a ticket and there has yet to be one piece of evidence to suggest any of these tickets were cancelled for anything other than legitimate reasons. Your sole source of outrage is based on the occupation of the person involved and that says more about you than anything.

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    Mute Sean Beag
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    Dec 7th 2012, 1:03 PM

    And by the way Mr Ray, higher ranks cannot remove penalty points either. Gardai have nothing to do with them at all. They only deal with the ticket.

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    Mute Healy Ray Gun
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    Dec 7th 2012, 1:08 PM

    Sean. The Healy Ray Gun thing is what they called that man in the Phoenix.

    It is not just about one person, it is about thousands. Course there are many reasons to not write these up, a friendly warning just as effective. Mitigating circumstances etc.

    The problem here is that certain very well connected people were repeatedly getting away with this, repeatedly able to bend the system to suit them.

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    Mute Healy Ray Gun
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    Dec 7th 2012, 1:19 PM

    Gardaí above the rank of superintendent have the power to do this.

    Surely Sean you can agree that these 2 whistle blowers have done the rule of law and their country a service. Though it will make the Guard colleagues who are more concerned with status and an easy life uncomfortable.

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    Mute Sean Beag
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    Dec 7th 2012, 1:29 PM

    My apologies for misinderstanding your name. Again, no Garda of any rank can remove a penalty point from a licence. This cannot be done. All they can do is cancel a ticket before it is paid. This is no different than a Garda letting you off because you are waiting on your tax disc or have your NCT next week.

    You are still judging the legitimacy of a cancelled ticket soleky by the perceived status of the person involved

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    Mute Sean Beag
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    Dec 7th 2012, 2:04 PM

    On the topic of a whistleblower. The person involved did nothing noble. He released private information about thousands of people, if he had released the information of a few dodgy people that’d be different. But he didn’t discriminate between those who were legitimate and those that weren’t and that’s pretty wrong. What if you were that guy who got his ticket cancelled because you were bringing your child to the hospital. Now your name is on this list were you are considered dodgy because you have a good job. You can’t honestly say that’s right.

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    Mute Healy Ray Gun
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    Dec 7th 2012, 2:54 PM

    In at least nine cases highlighted in the dossier, a motorist who had their points quashed went on to be involved in a fatal road-traffic accident. That is 9 funerals that may or may not have been averted by the force doing its job in a professional and impartial manner.

    As for the person driving their kids to the hospital, that will still be a mitigating circumstance. Who is the man who had these struck off 4 times in one year. Does he have a chronically sick child. I’d bet good money that he does not.

    Institutional Ireland is obsessed with deference to authority, people with status. This applies to the Guards as well, could the child abuse scandals have continued at such industrial scales for so long without the force willfully neglecting its duty. We both know that this is not the case.

    What is wrong with having a professional, capable and competent force. ??? What is wrong with being held to high standards.? What is wrong with people being expected to do their jobs?.

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    Mute Sean Beag
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    Dec 7th 2012, 5:49 PM

    Yeah mybe they’d have gotten 12 points, or maybe it was their first points. Maybe that guy frove badly four times or maybe his reg was cloned ot maybe his car was stolen. Do you not think some facts should be established before you condemn tens of thousands of people?

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    Mute Scrap Croke Park1
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    Dec 7th 2012, 11:34 AM

    What a relief. There will be a rigorous investigation by the Gardaí for the Gardaí into the Gardaí.

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    Mute Healy Ray Gun
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    Dec 7th 2012, 12:08 PM

    Callinan’s pet hamster is crawling through the files as we speak in a very through manner.

    The Hamster would like to state that it agrees with Comm. Callinan that it was the fault of the individual Guards and that even though when failings on such an endemic scale in a police force internationally would mean the head resigning that this is not appropriate here.

    Now get me the file on Christine Bohan and put a speeding check point up outside her house for the next week.

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    Mute rodrigo detriano
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    Dec 7th 2012, 12:09 PM

    Supposedly good cops investigating bad cops! The mind boggles

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    Mute ADEBAYO FLYNN
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    Dec 7th 2012, 11:28 AM

    The whole thing is a joke. Don’t expect anything to come of this. Accountability doesn’t exist in Ireland.

    Adebayo

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    Mute Josh Barton
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    Dec 7th 2012, 1:55 PM

    Never trusted a Garda with a tash always looks like they want to be in the PSNI or in Callinan’s case the village people

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    Mute Continent Simian
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    Dec 7th 2012, 11:45 AM

    Overly dramatic, but I like to read this statement as “You close my stations, I dig up your penalty points.”

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    Mute Anthony Murray
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    Dec 7th 2012, 12:47 PM

    Them penalty points were just resting in my account!!

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    Mute Aarum
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    Dec 7th 2012, 3:31 PM

    Lol I’m sure he has made a few penalty points disappear in his career to get where he is now…

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    Mute Mike Clinton
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    Dec 7th 2012, 11:35 AM

    Lets wait and see. I really don’t think the majority of the Garda will defend the actions of a few.
    Not a nice situation to be put into and fair play to the whistle blowers

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    Mute Healy Ray Gun
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    Dec 7th 2012, 12:19 PM

    Mike, the scale of this suggests that it is not the actions of a few but a very widespread and normal event.

    The 3 pillars of the State were FF, the Church and the Guards. The first 2 have been shown to be institutionally corrupt. Why would a force that the FBI described as highly secretive not be.

    The Guards need massive reform,that there was not after the Donegal cases, is shocking. The Donegal investigation was like the Church’s first dioceses investigation. We all knew that the shocking results would be replicated every where else.

    The Guards need to be reformed like the RUC were. They need to be forced in to being a professional,honest, open and competent force. That may mean wholesale redundancies across the older management but so be it.

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    Mute Dermot Purcell
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    Dec 7th 2012, 12:59 PM

    healy you is missing the biggest pillars in our society the judiciary these guys are also allowed to police themselves

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    Mute Bob MacBob
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    Dec 7th 2012, 12:15 PM

    Commissioner Callinan, have you ever personally cancelled or authorized the cancelling of any penalty points?
    If so, will the circumstances of these cancellations be included in this investigation?

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    Mute Healy Ray Gun
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    Dec 7th 2012, 12:29 PM

    You can be certain that members of the last Govt. were involved in this. They and their families certainly gained from this. Could you imagine one of Bertie’s Ministers not pulling rank, making calls and forcing points to be struck off. They weren’t exactly people who considered themselves to be mucking away with the rest of us.

    Their phones will be hopping red calling people about this. This investigation will be bogged down alone by the people making threats to this quiet.

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    Mute jrbmc
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    Dec 7th 2012, 12:37 PM

    It’s been going on for years , even with drink driving charges, from the top down to the bottom

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    Mute Healy Ray Gun
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    Dec 7th 2012, 12:49 PM

    A neighbour of mine used to get charged years ago with drinking driving about once a year. The Guards used drive him to the court and lo and behold by the time they got the 5 miles to the court house the matter was resolved. The are a very large no. of Guards that are frankly out of control.

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    Mute Mike Brennan
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    Dec 7th 2012, 1:24 PM

    What total and utter tripe. To suggest that a matter that was then before a court of law could be sorted in a patrol car, or other Garda driven vehicle, on the way to that very court in the absence of a judge and before the case was even mentioned in court without is simply stupid and impossible. Where did you grow up? You have clearly no understanding of how courts work. Your exaggerated posts here today are frankly annoying.

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    Mute Gerard
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    Dec 7th 2012, 1:38 PM

    @Healy Rae gun.

    Up to this comment I was taking your comments on board. After reading this drunk driving comment I now realise that you have absolutely no idea what your talking about. To suggest that a case before a Judge in a district court could be sorted in a patrol car is utter nonsense.

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    Mute Gerard
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    Dec 7th 2012, 1:39 PM

    *you’re

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    Mute Healy Ray Gun
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    Dec 7th 2012, 1:46 PM

    Gerard. I don’t know how he did it, a word with the Judge not to bar him from driving, rather a fine, who knows. . This was in the 90′s before I was driving. It happened several times. He told me that they always worked it out before it got to court. This is a creative country when it comes to innovation, especially when it comes to bending the rules.

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    Mute Healy Ray Gun
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    Dec 7th 2012, 1:54 PM

    Mike. Your a bit innocent if you think that matters like this only can be settled in the court in front of a Judge. That presumes that people are acting in accordance with the law, namely the Judge and the Guard. Favours can be done and cases thrown out, dismissed or events where a licence should be taken reduced to a fine, after a word between friends.

    Unfortunately many in the Justice system in Ireland does not always worry about the procedure or the rigour of the law.

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    Mute Mike Brennan
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    Dec 7th 2012, 2:09 PM

    Are you now suggesting that the particular district court judge of the time was in cahoots with the Gardai to look after this particular individual and that it happened several times? Stick to what you know about like a good man and don’t be posting rubbish. I doubt anyone here is taking your uninformed comments very seriously. Read up on the Road Traffic Legislation/court system and familiarise yourself with the career of A/Commissioner John O’Mahony while you are at it. You might not be so quick to call him a ‘Hamster’ if you had the remotest clue of what he has done in the force.

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    Mute Cormac Flanagan
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    Dec 7th 2012, 2:10 PM

    @healy ray gun

    if this happened in the 90′s then he would have had to be summons to court, not charged.

    why would the guard first summons him only to get him off on it.

    and yes once charges/summons are before the courts only the judge can cancel them, and then for various reasons. and if he was before the judge then its a man suspension from driving.

    alot of holes in your story, me think its one of those it hapepened to a friend of a friend of mine storys

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    Mute Healy Ray Gun
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    Dec 7th 2012, 2:34 PM

    Actually the Hamster that I was referring to was an actual pet hamster. That was how serious I believed the investigation will be.

    It is not a friend of a friend story, he is a neighbour who was a habitual drunk driver. I had no more interest then, as now in the procedures that happened.

    A friendly donation made it all go away. How that was done, I do not know. That it happened, it certainly did.

    There are no shortage Guards, it is usually the older ones mind you, that are off. A lot of older Guards learnt their trade and culture from people who active in the force in the 70′s and 80′s. A period when the force was frankly out of control. When several of the Ministers of that time were shown to be profoundly corrupt.

    There is a culture of denial in the Gardaí and closing ranks to the problems in the force. Look at the Morris report in to activities by a certain Guards in Donegal,that report was about the 90′s, the force has a very large no. of exceptionally bad apples in it. Not all, not by a long shot but there is a rot, especially in older ones.

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    Mute Nuffsaid Thatsall
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    Dec 7th 2012, 3:47 PM

    Christ Healy-Ray-Gun, you’ve a serious axe to grind with the Gardai!! You’ve spent all day on here offering up your amazing theories and tales of Garda corruption!! You must either have been done for no tax recently or directed off home by a the local Guard Saturday night after one too many shandys in the local!!

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    Mute Healy Ray Gun
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    Dec 7th 2012, 3:53 PM

    I’m glad to say that I’ve never been in their view or never needed to have the Guards look at me.

    If the police force of a state has a long history of failure, then it is a concern for us all.

    If the Gardaí as a force were not so malleable to the powers that be would we have had such mass corruption for decades, industrial child abuse.

    The force has failed this country in very serious ways and at great cost to all of us. This is about the bigger picture.

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    Mute Nuffsaid Thatsall
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    Dec 7th 2012, 5:07 PM

    So you lost out in the height requirement then when you opted to join up!! Much back pain carrying that chip around on your shoulder!?!

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    Mute Mike Brennan
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    Dec 7th 2012, 5:18 PM

    So now you are blaming the Gardai for ‘mass corruption’ and the sorry history of industrial abuse in this country. Oh right… I’m sorry to say that we can’t all see the ‘bigger picture’ like yourself. Fair play to you Healy Ray for telling us though. You have a bright future.

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    Mute Dwickedchicken
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    Dec 7th 2012, 5:35 PM

    Was your neighbour drunk when he was telling all this?

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    Mute Ed Appleby
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    Dec 7th 2012, 11:47 AM

    Hang on a minute! An investigation of the Gardai, for the Gardai, by the Gardai? Surely something as serious as police corruption, ie favours for the elites should be investigated by an outside body? This has all the hallmarks of a whitewash written all over it! Yet again we will be showing the world that the Irish don’t know what ‘accountability’ means. How are they being allowed to get away with this? I notice the politicians and the judiciary are deathly silent about this, wonder why that is???

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    Mute Leopoldo Rosa
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    Dec 7th 2012, 12:05 PM

    what, that’s how the state works, no external independent review bodies, HSE, the Gardai, the CIE, they break the law? they find thank to their own internal investigations that they have not broken any law, all is good thank you very much. You on the other hand, you break the law? 6 years in prison.

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    Mute Andrew Telford
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    Dec 7th 2012, 1:34 PM

    LOL… this is how you get your self in trouble. It’s an un-written rule that people who are connected don’t get awarded penelty points in the first place. It’s in the garda’s interest not to annoy someone off that can potentially cause detriment to their career prospects with a phone call or casual word. Once you put it in official reccord you don’t try and get it erased.

    There are plenty of gardai’s own kids or family friends who have had issues with petty theft or vandalism etc where the report never gets made or goes missing. It’s also, I’ve heard a well known “quirk of the justice system” that cars with member stickers from certain south county dublin/wicklow golf courses/clubs don’t get pulled over.

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    Mute Denis O Donovan
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    Dec 7th 2012, 3:07 PM

    WhAt is your basis for this complete and utter nonsense??

    Well known “quirk of the system” that cars with certain stickers don’t get pulled over? Absolute bull.

    Gardaí don’t get investigated by outside? What are the ombudsman?

    The problem with this country is people like you hearing urban myths and taking them as gospel.

    Such utter drivel but I expect nothing less of the journals trolls at this stage.

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    Mute Healy Ray Gun
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    Dec 7th 2012, 3:25 PM

    According to an interview on The Last Word, some of the recipients of this were staff in the Gardaí ombudsman. That is frankly shocking. If they are on the list someone has to loose their jobs. If they asked for it, then they must be dismissed as they are tainted. If the Super. did it then he must be fired for trying to use leverage. This is a lot more than just helping people. That is trading favours.

    There is very serious problems in the force and its members seem to be in complete denial about this. Instead of being outraged at the practices and members that have damaged the reputation of the force in the eyes of so many law abiding citizens.

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    Mute Ireland for Change
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    Dec 7th 2012, 11:49 AM

    Interesting to know who’s penalty points were cancelled. Let me guess off duty Garda, politicians, friends of both and judges.

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    Mute Healy Ray Gun
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    Dec 7th 2012, 12:31 PM

    People who go under the title in Ireland of ” being from respectable families” but they like to call themselves “your betters”.

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    Mute Healy Ray Gun
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    Dec 7th 2012, 3:14 PM

    According to the Matt Cooper Show on Monday I think it was, there were also some staff on from the Gardaí ombudsman’s office. What a stink.

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    Mute Dwickedchicken
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    Dec 7th 2012, 5:45 PM

    Healy gun.
    Why don’t ya just fook off while your only this far behind.
    Your trying too hard now.

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    Mute Keith Jack
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    Dec 7th 2012, 11:35 AM

    No investigation then..

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    Mute Aaron McKenna
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    Dec 7th 2012, 11:48 AM

    So, his first comment is that there is no question that there is a culture of wrongdoing. His second comment is that the investigation will be comprehensive.

    It seems he’s made his mind up, and this leads towards the impression of a whitewash – “A few individual cases of wrongdoing… Tut tut… Slap on wrist… New policies.”

    It should be an outside investigation.

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    Mute GatheringYourMoney
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    Dec 7th 2012, 12:17 PM

    Ahh guys.
    Come on.
    Give the poor judges a break.
    You know that some of them are very busy these days, speeding around, defrauding pensioners of their life savings and lying in court.
    Not to mention having to (without fail) side with corrupt/criminal banks in throwing a lot of us (including many guards) out of their homes.

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    Mute Leslie Alan Rock
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    Dec 7th 2012, 12:04 PM

    Or more convieniently those guilty will be retiring anyway…stinks.

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    Mute Gerald Breen
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    Dec 7th 2012, 12:51 PM

    50000 tickets were firstly issued by regular Gardai and Sergeants, so they were obviously doing their jobs. From my understanding only a member of superintendent rank or higher can cancel a ticket, so it is a small minority of the force. Albeit a powerful minority. As for an independent investigation,I’m sure the Garda Ombudsman are chomping at the bit to get onto this one and if they do heads will roll!!!!

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    Mute Healy Ray Gun
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    Dec 7th 2012, 12:57 PM

    They reckon that in lost fines it cost the state 75mn.

    The Garda Ombudsman will get a frostier reception in this than a Black Irish Jew investigating the KKK in 1960′s Alabama.

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    Mute Gerard
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    Dec 7th 2012, 1:45 PM

    @Healy Rae

    Where on earth are you getting your figures from?? Did you just pick 75 million out of your head?

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    Mute Sean Beag
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    Dec 7th 2012, 1:58 PM

    50000 tickets times €80 each is €4m is it not?

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    Mute Healy Ray Gun
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    Dec 7th 2012, 2:15 PM

    On careful consideration that one does appear to be pulled out of my wazoo.

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    Mute Denis O Donovan
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    Dec 7th 2012, 3:12 PM

    Yeah along with most of the tripe you’ve written here today.

    You just showed yourself for the troll you are!

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    Mute Nuffsaid Thatsall
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    Dec 7th 2012, 3:49 PM

    You’re badly caught out there Ray-Gun!! #Fail

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    Mute Healy Ray Gun
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    Dec 7th 2012, 3:58 PM

    Zapped myself in the foot as such.

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    Mute Keith Wizzy
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    Dec 7th 2012, 12:31 PM

    Usual spout of diatribe. So much corruption in this State and is it a wonder when nobody goes unpunished for it. If this was the UK heads would roll. Ah sure in time this will be swept under the carpet as is the Irish way of ascertaining power over the minions.

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    Mute Cormac Ryan
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    Dec 7th 2012, 12:49 PM

    When did they make Vicente del Bosque the Garda commissioner??

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    Mute Colin Tyrrell
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    Dec 7th 2012, 6:29 PM

    Haha, he is the spit of him

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    Mute Ian イアン [STGオタク]
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    Dec 7th 2012, 12:43 PM

    Yer man looks like Spain manager Vincente del Bosque…

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    Mute William clear
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    Dec 7th 2012, 2:40 PM

    This has been going on for years my friend got his ticket cancelled in return for two all Ireland tickets.
    They will have to sack half the force if the offence is cancelling tickets.

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    Mute Pa Coady
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    Dec 7th 2012, 2:01 PM

    Wonder if the Gaurds responsible or any officials will be suspended with or without pay?

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    Mute Patrick Cadogan
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    Dec 7th 2012, 2:23 PM

    does a cancelled ticket not equate to cancelled points?

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    Mute Tony O'Sullivan
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    Dec 7th 2012, 1:54 PM

    Am I missing something here? The Commissioner’s statement reads as though he is announcing the findings of the internal investigation. Opps! Of course he is!

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    Mute Red Ed
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    Dec 7th 2012, 6:29 PM

    So are they looking to take away garda discretion? What’s wrong with giving someone a chance? Leave it out

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    Mute Frank Cluskey
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    Dec 7th 2012, 3:11 PM

    simple lesson there chief commissioner, stop aiding corruption!

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    Mute Stephen Connolly
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    Dec 7th 2012, 2:10 PM

    When did Vincente Del Bosque become Garda commissioner!!???

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    Mute
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    Dec 7th 2012, 1:18 PM

    He’s a ringer for René François Artois in ‘Allo ‘Allo

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    Mute Cormac Flanagan
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    Dec 7th 2012, 1:22 PM

    maybe he has the fallen madonna with the big boobies

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    Mute Brian Daly
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    Dec 7th 2012, 3:36 PM

    One of the news articles refers to tens of thousands of motorists benefiting from this practice but only a few senior Gardai have access to this. The only conclusion that I can reach is that there must have been some organised system of feeding all this requests to these people. I’d imagine that even under this system that not all requests were granted. Can a few Gardai know so many people?

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    Mute Frank2521
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    Dec 7th 2012, 9:59 PM

    Jesus if the Police were to enforce the law they would be ostracised in their golf clubs, GAA clubs etc. everybody breaks the speed limit and most people in towns around Ireland are friendly with the local Policeman or woman. That is how communities work well. Information for favours has been the greatest form of crime prevention in Ireland for years. Total tolerance is acceptable within certain groups in society and that’s just life in Ireland. It’s who you know and always has been. Most people in the civil service got jobs there through friends or family. Who in society did not use connections to get a favour? Look no further than Rory Quinn creating a job for Mrs Gilmore that only she could do, no interviews just a nod and a wink. I think the senior police and detectives are allowed use whatever is needed to police our country and the rank and file are just like the rest of us. Detectives have huge power as that is their position and they act on information and pursue criminals as they think might be dangerous to society. If they trade favours and a criminal is jailed I think it is the Irish way. So be it. It is their only useful resource sometimes to get things done.

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    Mute Mike Brennan
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    Dec 7th 2012, 10:15 PM

    Well put.

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    Mute Gerry Connors
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    Dec 7th 2012, 10:19 PM

    Well said .

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    Mute Claire Murphy
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    Dec 7th 2012, 10:16 PM

    Healy ray gun, get a life.

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    Mute Paul Quigley
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    Dec 7th 2012, 2:52 PM

    wow he looks a lot like vincente del bosque !

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    Mute Frank Cluskey
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    Dec 7th 2012, 3:11 PM

    hahahah hes a ringer, good spot!

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    Mute Patrick Cadogan
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    Dec 7th 2012, 8:15 PM

    does a guard just not have to appear in court to get a ticket and the associated points cancelled?

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