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**oleras** · 21-10-14, 00:18

Originally posted by Mellor View Post

I'm not totally up to speed with the scheme as I've been away over 5 years now, so don't take any of this as gospel. But its does strike me as odd.
Firstly because water proofing the outer leaf of a double skin brick facade would do nothing for the energy performance, the outer leaf is designed to get wet and dry out keening the moisture away from the inner leaf.
And secondly because requiring works to be funded by the home-owner is completely at odds to the purpose of the scheme. The SEAI website specifically states;

If she's applied to the SEAI and its been approved, then I'd have assume that the works can go ahead.
Was this a survey by the SEAI themselves before approving the grant, or the company that does the work?

Give the SEAI a ring to confirm 1800 250 204, or warmerhomes@seai.ie

Cheers buddy, survey was by the company doing the work.

She is the type of woman where if a guy thats holding a clipboard and wears a tie says something its gospel.

I will call them just to make sure. She has already got the sealant and has a painter coming at the end of the week.

I only got the call a few hours ago where she was telling me they would so this and that, i had my own house done 2 years ago so was kinda used to it and what to expect.

He also told her that the vent she has in the sitting room, its at floor level, was installed when a gas fire was installed a few years ago, (100mm type) would not be sufficient for carbon monoxide now she has a insert stove, the vent now needs to be at ceiling height ?

I will deffo give them a buzz in the morning to clarify.

**CHDad** · 21-10-14, 02:01

Originally posted by Jam-Fly View Post

What's the handicap on points difference between United and Chelsea at the end of the season? Has to be around 20ish?

It's money.

**CHDad** · 21-10-14, 02:07

Chelsea > Manchester Red

**CHDad** · 21-10-14, 02:08

My Team > The team winner pickers pick

And I have a LOI season ticket. Didn't use it though.

**CHDad** · 21-10-14, 02:08

Ebola Victims coughing on me > Man United fans coughing on me

**CHDad** · 21-10-14, 02:09

United not that good but maybe top 4 > Supporting Tranmere

**CHDad** · 21-10-14, 02:10

Not being a winner picker > United not that good but maybe top 4

**CHDad** · 21-10-14, 02:11

Manchester United fans = Cunts

**Mellor** · 21-10-14, 02:19

Originally posted by oleras View Post

He also told her that the vent she has in the sitting room, its at floor level, was installed when a gas fire was installed a few years ago, (100mm type) would not be sufficient for carbon monoxide now she has a insert stove, the vent now needs to be at ceiling height ?

The floor vent is an an air supply to the previous gas fire.
The requirement would have been permanent ventilation of 6,500mm2, sounds a lot bigger than it actually is, this translates to 100mm pipe or a plastic brick vent. This was also the sized required in all habitable rooms prior to 2009. The requirements are the same for all fires, except room sealed stoves.

If the new insert stove is room sealed, then there's no specific requirements to vent the room. A room-sealed stove has its should have its own direct air supply and exhausts gases via the sealed flue.
If the insert is not room sealed, then its treated like any fire and the 6,500mm2 vent applies. It's acceptable to be at floor level close to the fire, as long as its not within the fireplace recess. Having the vent at the ceiling is to prevent drafts, another option is having it close to the stove.

A permanent opening should be
positioned where it is unlikely to become
blocked or cause discomfort from cold
draughts. Cold draughts can be avoided by
placing vents close to appliances, (for example
by using dedicated ducted floor vents from
opposite sides of the building), or by ensuring
good mixing of incoming cold air by placing air
vents close to ceilings. Openings should not be
located within a fireplace recess except on the
basis of specialist advice.

**CHDad** · 21-10-14, 02:36

Manyoo = poo

**CHDad** · 21-10-14, 02:37

Sunday, Sunday

Blur - Sunday Sunday (Official Music Video)

http://www.youtube.com/watch?v=qI6YPGdDB1A

The official music video for Blur - Sunday SundayCelebrating Modern Life Is Rubbish, May ’93. Watch the newly restored ‘Sunday Sunday' video, now in 4K! Lim...

**mdoug** · 21-10-14, 02:45

Originally posted by CHD View Post

Sunday, Sunday

http://www.youtube.com/watch?v=qI6YPGdDB1A

Can't wait for Falcao's first hatrick in the 4-1 myself alright

**CHDad** · 21-10-14, 04:12

Originally posted by mdoug View Post

Can't wait for Falcao's first hatrick in the 4-1 myself alright

How confident are you?

Lets bet.

At this stage you aint mdoug to me, you are mfreemonies.

**mdoug** · 21-10-14, 04:45

Originally posted by CHD View Post

How confident are you?

Lets bet.

At this stage you aint mdoug to me, you are mfreemonies.

1,000,000%

**CHDad** · 21-10-14, 05:50

Originally posted by mdoug View Post

1,000,000%

In OT.
Give me the draw?

€50?

**CHDad** · 21-10-14, 06:00

Originally posted by Mellor View Post

The floor vent is an an air supply to the previous gas fire.
The requirement would have been permanent ventilation of 6,500mm2, sounds a lot bigger than it actually is, this translates to 100mm pipe or a plastic brick vent. This was also the sized required in all habitable rooms prior to 2009. The requirements are the same for all fires, except room sealed stoves.

If the new insert stove is room sealed, then there's no specific requirements to vent the room. A room-sealed stove has its should have its own direct air supply and exhausts gases via the sealed flue.
If the insert is not room sealed, then its treated like any fire and the 6,500mm2 vent applies. It's acceptable to be at floor level close to the fire, as long as its not within the fireplace recess. Having the vent at the ceiling is to prevent drafts, another option is having it close to the stove.

Interrupted my sequence of shite talk there cunt.

MMA <3 to you.

**Lord Sir Banter** · 21-10-14, 06:41

Lols.^

Btw, belated thanking yous to coilcam and others for Internet wifi fucking up advice.

**CHDad** · 21-10-14, 06:48

Originally posted by Lord Sir Business View Post

Lols.^

Btw, belated thanking yous to coilcam and others for Internet wifi fucking up advice.

Hi. Lottie.

**Lord Sir Banter** · 21-10-14, 07:27

Originally posted by CHD View Post

Hi. Lottie.

mornin chad

**Iago** · 21-10-14, 07:33

Originally posted by Jam-Fly View Post

What's the handicap on points difference between United and Chelsea at the end of the season? Has to be around 20ish?

With the start Chelsea have had? 8 maybe 10 points maximum.

Really can't see Chelsea dropping enough points to be much further behind than that when all is said done.

**mdoug** · 21-10-14, 08:29

Originally posted by CHD View Post

In OT.
Give me the draw?

€50?

Good god no!! We couldn't even beat shitty west brom while playing truly shocking and yet our manager said it was our best performance of the year, fml!

**Denny Crane** · 21-10-14, 08:31

Ever sort out your post box rigs?

**Emmet** · 21-10-14, 08:34

Pistorious - 5 years for first (culpable homicide)
3 years suspended for second (firearms)
concurrently

**Rufio** · 21-10-14, 08:35

Originally posted by Hitchhiker's Guide To... View Post

Grid Finance looks interesting (from a lending perspective). New Irish startup.

https://www.grid.finance/business/

Is this the same sort of deal as www.linkedfinance.com - another irish based peer to peer lending business.

**Hitchhiker's Guide To...** · 21-10-14, 08:46

...

**Hitchhiker's Guide To...** · 21-10-14, 08:50

...

**Hitchhiker's Guide To...** · 21-10-14, 08:52

...

**mocata** · 21-10-14, 08:58

Originally posted by Mellor View Post

I'd assume the difference in rates was reflected in the loan term?
Is there any liability/risk involved?

Can't invest thousands, but have a bit of money sitting in an online account going to waste.

Its not FSA regulated as of yet so no deposit protection if it all goes bang. The APR is decided by your credit rating, if mellor say had missed a few payments or was maxed out on credit cards your APR would be in the 20% bracket. When you loan your money you decide what bracket you are happy to lend to, higher bracket is better return but more risk obv. Its not a single loan either, more like betfair in that you offer your 1k at 10% and those funds are distributed amongst applicants who meet the 10% criteria. Some chunks could default, but their numbers are v good in this regard, didnt have any on mine at all. If you had more appetite for risk you could aim for a higher bracket and spin up.

**Mellor** · 21-10-14, 09:03

Originally posted by Hitchhiker's Guide To... View Post

Out in 10 months with good behaviour (i.e. things like not marrying some dude in prison and then shooting him during an argument), apparently. The specification is for a minimum of 8 months jail.

Did the sentence included a minimum term?
Anything I've read has said that his legal team believe under SA law he must serve 1/6 of his sentence before being considered for house arrest.
The prosecution has said they believe it's 1/3. Clear as ever.

**Mellor** · 21-10-14, 09:07

Originally posted by mocata View Post

If you had more appetite for risk you could aim for a higher bracket and spin up.

Thanks. I think I'll give it a spin then. No risk no reward

**Hitchhiker's Guide To...** · 21-10-14, 09:11

...

**V for Vendetta** · 21-10-14, 09:14

Originally posted by mocata View Post

Its not FSA regulated as of yet so no deposit protection if it all goes bang. The APR is decided by your credit rating, if mellor say had missed a few payments or was maxed out on credit cards your APR would be in the 20% bracket. When you loan your money you decide what bracket you are happy to lend to, higher bracket is better return but more risk obv. Its not a single loan either, more like betfair in that you offer your 1k at 10% and those funds are distributed amongst applicants who meet the 10% criteria. Some chunks could default, but their numbers are v good in this regard, didnt have any on mine at all. If you had more appetite for risk you could aim for a higher bracket and spin up.

As credit ratings get more sophisticated and these sort of crowd funding/sourcing ventures become mainstream I can see a very big future for them. At first the web impacted financial services by providing macro price comparisons but the smart use of vast amounts of personal financial data could completely disrupt entire financial services industries.

Crowd sourced insurance, loans and even annuity products would provide better pricing at an individual level and less cross subsidies.

There are also a lot of tax angles for an investor to make it very worthwhile to provide the funds.

**Rufio** · 21-10-14, 09:16

Originally posted by Hitchhiker's Guide To... View Post

LinkedFinance seems to be more angel-funding based. Looked into it before and was nearly impossible to register as a lender for it.

I registered with it when it started up and don't remember any hassle. Have made decent returns on it (could get high %'s when it started up as lender pool was small)

**Wombatman** · 21-10-14, 09:17

Originally posted by Hectorjelly View Post

I absolutely hate when players do that. One guy did it to me in a match just before I scored an open goal and I remembered it the next time we played them six months later, he went in to tackle me and I raised my knee at just the perfect time (most football players will know what I mean), he had to limp out of the match AND we got a foul out of it. One of my favourite footballing memories.

So some guy shouts at you to try to put you off. You store it up for six months and then intentionally injure him as payback to the point where can't continue in the match.

Could have developed into a serious injury, who knows.

And you are proud of this behaviour and think you are the good guy?

**Hitchhiker's Guide To...** · 21-10-14, 09:19

...

**Tar.Aldarion** · 21-10-14, 09:41

So the guy is essentially found guilty of shooting and killing somebody....no reason, nothing and gets 5 years? Of which he will probably not serve all of? Wha

Unrelatedly Ireland is number 5 in lonely planets countries to travel to.

**MrsFlushdraw** · 21-10-14, 09:46

Originally posted by Tar.Aldarion View Post

So the guy is essentially found guilty of shooting and killing somebody....no reason, nothing and gets 5 years? Of which he will probably not serve all of? Wha

Unrelatedly Ireland is number 5 in lonely planets countries to travel to.

It really is shocking. I can not imagine what the family of the poor woman is going through with that sentence. No value given to the girls life at all. It is a fucking joke that he has got away with murder.

The poor guy is penniless.. god love him. His lawyer was saying he lost the lot. Must have paid of the judge!

**NewApproach** · 21-10-14, 09:55

‘We’ think his sentence is shockingly low, but I’m sure they think some of our sentences are far too high. What makes us right and them wrong?

**Tar.Aldarion** · 21-10-14, 10:23

Because there is essentially little deterrent to one of the most serious crimes? I can actually see people thinking a couple years is worth it to kill somebody. It won't deter or rehabilitate, neither will happen with joke sentences.

**Lord Sir Banter** · 21-10-14, 10:23

Originally posted by Denny Crane View Post

Ever sort out your post box rigs?

Not yet, it's on my mind to do but I have procrastinated. Bit of sellotape doing the job at the moment.

I'll keep you... POSTED.
Concern is that I order the locks and fail to fit it. They only seem to sell them in 2's or 3's, so if I order - I'll post you one (irony). Might take a look at it later.

Originally posted by mocata View Post

Its not FSA regulated as of yet so no deposit protection if it all goes bang. The APR is decided by your credit rating, if mellor say had missed a few payments or was maxed out on credit cards your APR would be in the 20% bracket. When you loan your money you decide what bracket you are happy to lend to, higher bracket is better return but more risk obv. Its not a single loan either, more like betfair in that you offer your 1k at 10% and those funds are distributed amongst applicants who meet the 10% criteria. Some chunks could default, but their numbers are v good in this regard, didnt have any on mine at all. If you had more appetite for risk you could aim for a higher bracket and spin up.

So if someone decides not to pay, or signs up with zero intent to pay - their credit rating is affected? That's it though?

Any chance people can sign up bonus accounts?

Originally posted by Wombatman View Post

So some guy shouts at you to try to put you off. You store it up for six months and then intentionally injure him as payback to the point where can't continue in the match.

Could have developed into a serious injury, who knows.

And you are proud of this behaviour and think you are the good guy?

fhihctaj brah. Hector is one of our peeps.

**Lord Sir Banter** · 21-10-14, 10:24

Originally posted by Tar.Aldarion View Post

Because there is essentially little deterrent to one of the most serious crimes? I can actually see people thinking a couple years is worth it to kill somebody. It won't deter or rehabilitate, neither will happen with joke sentences.

I'd do five for you.
Coming to the wrastling? It's great crack.

**Mellor** · 21-10-14, 10:28

Originally posted by MrsFlushdraw View Post

It really is shocking. I can not imagine what the family of the poor woman is going through with that sentence. No value given to the girls life at all. It is a fucking joke that he has got away with murder.

The family are quite happy with the sentence by the sounds of things.

15 was the max, which was never being handed out today.
The prosecution wanted 10. The defence wanted time served plus a period of house arrest.
Somewhere us the middle is what should have been expected.

**Rufio** · 21-10-14, 10:28

Originally posted by Hitchhiker's Guide To... View Post

Oh right, I mustn't have looked into well enough then! That sounds cool. How do you handle the tax side? (remembering that you are an anonymous internet figure when answering this question!)

Basically how linkedfinance works is that your "loan" is repaid in 36 monthly instalments. It goes back into your account with linkedfinance, I have yet to withdraw the funds back into my account so no tax implication as of yet. It's not massive money, but I suppose technically you would be declaring it...

**Emmet** · 21-10-14, 10:29

The art of misdirection | Apollo Robbins | TED

http://www.youtube.com/watch?v=GZGY0wPAnus

Visit http://TED.com to get our entire library of TED Talks, transcripts, translations, personalized talk recommendations and more.Hailed as the greatest pic...

**Lord Sir Banter** · 21-10-14, 10:33

Trying to find the right lock for the mailbox is a cunt.

I should just install this in the lobby: http://www.ebay.ie/itm/ANTIQUE-CHAD-...item1c47bae18b

Add a touch of class to the building.

Originally posted by Rufio View Post

Basically how linkedfinance works is that your "loan" is repaid in 36 monthly instalments. It goes back into your account with linkedfinance, I have yet to withdraw the funds back into my account so no tax implication as of yet. It's not massive money, but I suppose technically you would be declaring it...

Any sites with shorter terms, and higher precentage. Liking the idea of getting into loan sharking.

**AndyFatBastard** · 21-10-14, 10:41

**pgodkin** · 21-10-14, 11:02

Originally posted by Tar.Aldarion View Post

So the guy is essentially found guilty of shooting and killing somebody....no reason, nothing and gets 5 years? Of which he will probably not serve all of? Wha

Unrelatedly Ireland is number 5 in lonely planets countries to travel to.

Originally posted by MrsFlushdraw View Post

It really is shocking. I can not imagine what the family of the poor woman is going through with that sentence. No value given to the girls life at all. It is a fucking joke that he has got away with murder.

The poor guy is penniless.. god love him. His lawyer was saying he lost the lot. Must have paid of the judge!

Listen to some legal expert on sky news the reason the sentence appears so light, is although he kill her (to which he was found guilty of) he did not set out with the intention to kill her. They were saying that if you went out with the intention to rob a house you are showing pre-meditation on your part and you end up doing more time

I think it pretty mad that they can say 5 years but 10 mins after that it's a cert he will be out on house arrest after 10 months

**Hitchhiker's Guide To...** · 21-10-14, 11:24

...

**Jam-Fly** · 21-10-14, 11:45

Originally posted by Hitchhiker's Guide To... View Post

ENHANCED

ManC, Chelsea, Munich all to win tonight 11/4

ENHANCED

The Wednesday night one of Arsenal, Atletico and Real actually looks really decent.

**Mellor** · 21-10-14, 11:53

Originally posted by pgodkin View Post

Listen to some legal expert on sky news the reason the sentence appears so light, is although he kill her (to which he was found guilty of) he did not set out with the intention to kill her. They were saying that if you went out with the intention to rob a house you are showing pre-meditation on your part and you end up doing more time

That's the difference between the murder (not guilty) and culpable homicide (guilty). But the homicide still carried a max of 15 years, lack of pre-meditation doesn't apply on that scale.

**Guest** · 21-10-14, 12:30

Originally posted by Hitchhiker's Guide To... View Post

ENHANCED

ManC, Chelsea, Munich all to win tonight 11/4

ENHANCED

.

**Wesley Harms** · 21-10-14, 12:42

The only person to win an Oscar for acting in a Tarantino film is ......

No googling

**Micknail** · 21-10-14, 12:44

Originally posted by Lord Finkel View Post

The only person to win an Oscar for acting in a Tarantino film is ......

No googling

German dude.
dunno if for django or inglorious basterds.

**eamonhonda** · 21-10-14, 12:49

The common bbv quiz question practice would be to spoiler the answer

**Mellor** · 21-10-14, 12:50

Originally posted by Micknail View Post

German dude.
dunno if for django or inglorious basterds.

Inglorious I believe, no-google

**Kayroo** · 21-10-14, 13:02

Originally posted by Mellor View Post

Inglorious I believe, no-google

SPOILER

**Dice75** · 21-10-14, 13:04

Saw one earlier - Only 2 women speak in the whole of Shawshank, who are they?

**Emmet** · 21-10-14, 13:04

Paul Murphy profile - "The Posh socialist"

The 'posh' middle-class defender of working poor

http://www.independent.ie/irish-news/the-posh-middleclass-defender-of-working-poor-30674903.html

Since being dumped by the people of Dublin as an MEP last May, Paul Murphy pulled pints in a bar as he plotted his political comeback.

**dobby** · 21-10-14, 13:12

Originally posted by Dice75 View Post

Saw one earlier - Only 2 women speak in the whole of Shawshank, who are they?

Only watched this at the weekend. I remember one woman cos I remember thinking what a bitch, lol. Can't remember the second.

SPOILER

**Emmet** · 21-10-14, 13:30

BOD hates Lloyd

Originally posted by Brian O'Driscoll

That was a huge frustration. You’re born where you’re born… I couldn’t imagine over the course of the last five years when Leinster have had some success, anyone down in Munster saying ‘Emmm, you know, we’re not going so well, maybe I’ll go up and support them’, that’s not the way it should be… For me it was a lack of loyalty

Although this might have some good memories of big heartedness

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