Thursday, 24th May 2018
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Wednesday, 15th May 2013

Accessing your credit history

Question: My bank has refused me a loan, giving my poor credit rating as the reason. Where did it get information about my credit history and how can I check this information?

Answer: The Irish Credit Bureau (ICB) compiles a private database of information supplied by its members, which include the main financial institutions.

The database is available for lenders to consult to see if potential borrowers have ever defaulted on loans. The aim of the system is to help lenders to assess the ability of borrowers to repay any future debts.

You can get a copy of your credit record by applying online to the Irish Credit Bureau and paying €6. You can also download an application form from icb.ie or phone the ICB at (01) 260 0388 to request one.

For security reasons, your credit report will be posted

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Wednesday, 15th May 2013

Accessing your credit history

Question: My bank has refused me a loan, giving my poor credit rating as the reason. Where did it get information about my credit history and how can I check this information?

Answer: The Irish Credit Bureau (ICB) compiles a private database of information supplied by its members, which include the main financial institutions.

The database is available for lenders to consult to see if potential borrowers have ever defaulted on loans. The aim of the system is to help lenders to assess the ability of borrowers to repay any future debts.

You can get a copy of your credit record by applying online to the Irish Credit Bureau and paying €6. You can also download an application form from icb.ie or phone the ICB at (01) 260 0388 to request one.

For security reasons, your credit report will be posted

Read More »

Tuesday, 7th May 2013

Trip To North Wales

Trip to Noddfa, North Wales for six nights, full board with a coach trip each day. Cost €470 from Monday 8th July to Sunday 14th July, 2013. Contact Eilis Thompson on 051-832433 or 087-9611001.

Suir Active Retirement

80 Members of Suir ARA had a wonderful meal at The Blueberry Cafe, Cleaboy on Thursday 25th April. Their trip to Mount Congreve was adjourned to a later date due to dispute at the estate.

They had an excellent meal at a very pleasant venue which was enjoyed by all and they would like to thank management and staff for their excellent food and service. Its an experience that they hope to repeat at a later date. They had lots of raffles and members were delighted with their prizes. Another great day out for the very active and vibrant group from The Suir

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Tuesday, 7th May 2013

Renewing a passport

Question: Can I renew my Irish passport online? I live outside Dublin and can't easily get to the Passport Office. How long does the process take?

Answer: When renewing your passport, you use the same application form (APS 1) as when you apply for a first passport. It is not currently possible to apply for a passport online or to download the application form. You can get the form at any Garda Station or at any Post Office that displays the "Service Plus" logo.

You should read the detailed notes provided with the application form to make sure you complete your application correctly.

You are encouraged to use An Post's Passport Express service. In general, this guarantees that you will get your passport within 10 working days, but it may take longer at busy times of the year. Check the Passport

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Tuesday, 7th May 2013

By Bill Sones and Rich Sones, PhD

Q. Common computer curiosity: Is a 6-symbol password secure against hackers? Would more symbols help?

A. When it comes to guessing a password, number of permutations is key. The possibilities with just 6 symbols are enormous: Each password character can be selected from, say, 26 letters, either upper or lower case, and 10 numerals, as well as non-alphanumeric @, $ and &, say Jeffrey O. Bennett et al. in "Using and Understanding Mathematics: A Quantitative Reasoning Appro ach."

This yields 65 characters to choose from in each of the 6 slots, for a total of 65 x 65 x 65 x 65 x 65 x 65 permutations, or 75,418,890,625 (75 billion). So if someone automated a computer to guess a different random sequence at the rate of 100 every second, it would take an average of

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Tuesday, 7th May 2013

John Owens graduated from the Veterinary College U.C.D. in 1997. He, along with his wife Susan, recently opened Ani-Pets veterinary clinic in Tramore, which is dedicated to the full time care of all companion animals, including exotic pets. He has a special interest in preventative medicine and nutrition.

Is My Dog In Pain?

Reader's letter:

"Hi John, I have a nine month old Boxer dog who is outwardly healthy and very lively, loves going for his walks and playing with other dogs and my children. When I visit my own parents, I leave him in their large garden with their dogs and he spends the day running around and playing. The day after, he is quite stiff and will sleep for the day, and does not want to go for his walk. I don't know

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Tuesday, 7th May 2013

Clairvoyant - Numerologist – Astrologer Stan Phillips

To make an appointment for a personal reading at The Athanaeum House Hotel, Christendom, Ferrybank Tel: 085 - 7355683 Online readings: This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak032208b964030d8407dd279ef52c5a7a').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy032208b964030d8407dd279ef52c5a7a = 'stan' + '@'; addy032208b964030d8407dd279ef52c5a7a = addy032208b964030d8407dd279ef52c5a7a + 'readingsforlife' + '.' + 'com'; var addy_text032208b964030d8407dd279ef52c5a7a = 'stan' + '@' + 'readingsforlife' + '.' + 'com';document.getElementById('cloak032208b964030d8407dd279ef52c5a7a').innerHTML += ''+addy_text032208b964030d8407dd279ef52c5a7a+'';

Aries: March 21 – April 20

Don't allow anything to disturb your equilibrium this week - go with your flow for what you seek lies easy along your path, all that is required is patience and finding

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Tuesday, 7th May 2013

With Breda Gardner Homeopath, lcph, mcos, rgn

Health Therapies Clinic, 13 Gladstone Street, Waterford.

Tel: 087 2025753.

Insight Natural Health Clinic

15 Upper Patrick St, Kilkenny

Tel: 056 7724429

Breda Gardner runs busy natural health clinics in both Waterford and Kilkenny. She also presents monthly positive living seminars in Kilkenny. A native of Galway, Breda worked as a nurse for many years before studying a range of complementary therapies, including homeopathy, iridology, muscle–testing and nutrition.

Unusual Causes Of Illness!

I recently wrote about how electromagnetic stress can cause illness and imbalance in the body. Not everyone is susceptible, but I have come across many cases where people's health problems are caused by over-exposure to electrical devices, pylons, mobile phones and so on.

When I treat patients, I always place a great focus on identifying the maintaining causes of the problem. Of course I treat the symptoms, but if you

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Tuesday, 7th May 2013

Over four out of ten calls to the Senior Help Line centre in Waterford are related to loneliness according to the charity. Among the issues reported by callers were rural isolation and a lack of social contact with others. Statistics compiled by the charity from the last quarter of 2012 have also shown that health and family concerns are other major reason why older people avail of the service. On average almost one third of calls concerned health matters while almost a quarter of calls are about family concerns.

Senior Help Line provides a confidential listening service for older people by trained older volunteers for the price of a local call anywhere in Ireland. The purpose of the service is for older people to receive an empathic response on a variety of issues. The service is confidential, however Senior Help Line

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Tuesday, 7th May 2013

More than 7 out of 10 (72%) workers in Munster think there is a need for counselling and psychotherapy in the workplace, according to a recent study commissioned by the Irish Association for Counselling and Psychotherapy (IACP). The research also showed that almost 4 in 5 (77%) Irish adults under 24 would support counselling and psychotherapy in the workplace.

"People spend a large amount of time in their workplace, whether it's sitting at a desk or dealing with customers, so it's important to feel comfortable and content in your work environment. If mental health issues are affecting your work, talk to a friend, family member, doctor or the IACP who can direct you to an accredited counsellor or psychotherapist," said Shane Kelly, counsellor and Professional Services Manager at IACP.

Mr Kelly offered tips for dealing with mental health issues in the workplace:

- If

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Letters to the Editor

  • Children in the womb deserve b...

    The Government wants us to vote "yes" in the abortion referendum in order to delete unborn children's right to life and allow abortion on demand in the first 12 weeks of pregnancy. Abortion campaigners claim that there is no human being yet alive by this point. That's why they think abortion on demand is permissible.They are completely wrong. By 12 weeks the baby in the womb has a beating heart, can swallow and yawn, can kick, stretch and jump, has arms, legs, fingers and toes, has fingernails and hair, h …

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