THE SOUTHERN STAR SECTION 1 NEWS 5SATURDAY FEBRUARY 18, 2012

Ask about our First Time Buyers Mortgages.

In AIB BandonTalk to Bernadette Shinnick orDan O’RiordanCall 023 8841520

In AIB BantryTalk to Irene ColbertCall 027 56223

In AIB ClonakiltyTalk to Anne O’LearyCall 023 8833320

In AIB KinsaleTalk to

Elmarie Cullinane or

Georgina Maher

Call 021 4772157

In AIB CarrigalineTalk to Clodagh CreanCall 021 4372145

In AIB SkibereenTalk to Anne-Marie TwomeyCall 028 51150

In AIB CastletownbereTalk to MaryClaire O’SullivanCall 027 70015

In AIB DunmanwayTalk to Jenny BarryCall 023 8845218

Note: The above notice in respect of adjustments to repayment rates will not apply during any period when the loan is at a fi xed rate. If you or your dependants intend to use the property as a principal place of residence, you must show evidence of mortgage protection insurance, unless you are exempt under the Consumer Credit Act 1995 (you can seek this insurance through us or from other sources). Maximum loan to value of Owner Occupier Residential Properties 92% of purchase price or valuation whichever is lower. Normal Lending levels are subject to monthly repayment burden, typically not exceeding c.35% of borrowers disposable income and will vary according to individual circumstances. Loan requests considered on the basis of proof of income, fi nancial status and demonstrated repayment capacity (including capacity to repay at higher interest rates). Loans not available to people under 18. Mortgage loans by their nature require to be secured by a mortgage and charge on the subject property. A typical €100,000 20 year Variable interest rate mortgage for an Owner Occupier Residential Property with LTV greater than 80% will have monthly repayments of €578.93 APR 3.54%. If the APR does not vary during the term of the mortgage, the total cost of credit i.e. total amount repayable less the amount of the mortgage, would be €38,943.20. The effect of a 1% increase in interest rates for such a mortgage will add €52.28 to monthly repayments. Lending criteria, terms and conditions apply. Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank in relation to origination and servicing of mortgage loans and mortgages. AIB Mortgage Bank and Allied Irish Banks, p.l.c. are regulated by the Central Bank of Ireland. SMS SP Púca, 01 4995939.

WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

Make yourself at home with Mortgageswith our First Time Buyers Mortgage Pack.

At AIB, we’re open for First Time Buyer mortgages. We have put together aFirst Time Buyers information Pack, it contains everything you’ll need, from astep by step guide to mortgages to househunting tips. Pick up your pack in anyAIB branch or text MORTGAGE plus your name and address to 51500.

* Your details will be registered with a third party working on behalf of AIB and will not be retained once the pack has been delivered.

Text MORTGAGE plus yourname and address to 51500to get your Mortgage Pack.*(Standard SMS rates apply).

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Michael McCarthy TD A firm and fair voice for Cork South-West

Constituency office Market Square, Dunmanway Tel.: 023 8855705 Fax No. 023-8855706Email: michael.mccarthy@oir.ie

Cllr. Christopher O'Sullivan MCC,Hillside, Tawnies, Clonakilty.Tel: 087 9016534 Email: christopherosullivan@eircom.net

Cllr Christopher O’Sullivanwill be attending the following clinicson Monday, February 20th

Charlie Maddens Bar, Timoleague........at 7.00pmThe LifeBoat Inn, Courtmacsherry .......at 8.00pmThe Grange Tavern, Barryroe..............at 9.00pm

Scrap Metal Dealers & Processors

Cloughleafin, Mitchelstown, Co. Cork.

Tel: (025) 84162, (087) 2587751,

(087) 2062679

Grab Lorries & Skips AvailableFully Licenced Facility

We pay cash for your scrap!Industrial Scrap, Farm Scrap, Scrap Cars, Old Plant

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Cloughleafin, Mitchelstown, Co. Cork087-7442223 • 025-84162

Councillor Dermot Sheehanwill attend the following clinics:

Friday February 17thMcCarthy’s Bar, Drimoleague, 5.15pm

Long Boat Bar, Durrus, 6.15pmArundels, Ahakista, 7.15pm

Bayview, Kilcrohane, 8.15pmSaturday February 18th

O’Brien’s Corner Bar, Skibbereen, 5pmVincent Coughlan’s Ballydehob, 6.15pm

Bunratty Inn, Schull, 7.15pm

028-35236 • 086-8585335E: dermot@dermotsheehan.com

Penalising our people topay back the gamblingdebts of bond holders!

Five-years-old Rowan Lawlor at the household tax protestmarch in Skibbereen last Saturday afternoon.

BY CAROL GILBERT

‘IF I go into a bookies, bet on ahorse and lose my money, willthe government pay me backthe money I have lost?’ askedEd Harper, during the first in aseries of speeches at the protestdemonstration against house-hold taxes, held in Skibbereenlast Saturday.

Ed, who has lived in WestCork for 33 years, likened thepayment of €1.25 billion to un-secured bond holders as nomore than a gambling debt andsaid bond holders were nomore than gamblers, conclud-ing: ‘This government is pay-ing back the bond holders’gambling debt and penalisingthe poor, sick, young and eld-erly to do so.’

Despite the drizzle, cold, wetand thoroughly miserable con-ditions last Saturday upwardsof 200 people joined theprotest against the householdtax, septic tank charge, watercharges and taxes so compre-hensive, ‘an air tax’ was sug-gested as the next tax to be im-posed by the governmentbecause ‘everyone has tobreathe!’

Billed as a ‘fun protest,’ bag-piper John Madden fromCrossbarry and a number ofbodhran players led themarchers on a circuitous routefrom the Fairfield to theSquare, Skibbereen, so theycould demonstrate outside theSkibbereen office of CorkSouth West TD, Mr Noel Har-rington.

Most marchers carried plac-ards, displaying statementssuch as ‘Empty promises,’ ‘Cit-izens United We Stand, DividedWe Fall,’ ‘Stealing our Future’and ‘Sold Out.’ A huge bannercarried the message: ‘The Gov-ernment has sold Ireland’ssoul.’

As the crowd chanted in uni-son, ‘Can’t Pay! Won’t Pay!’passing drivers honked theirhorns in support and contin-ued to indicate their supportduring the hour long speech-es, which were unanimous intheir condemnation of taxesbeing imposed.

Not to registerWith only 5% of the popula-

tion having registered for the

household tax or septic tankcharges, people were asked notto register with speakers say-ing if enough people refused toregister, the government wouldhave to think again as theycould not prosecute everyone.There was condemnation ofthe politicians’ gravy trainrolling on while they demandedpain, sacrifice and austerityfrom the sick, the weak and themost vulnerable.

John Cronin, speaking as amember of the Septic TankCharges Campaign, warned ofthe sweeping legislation beingintroduced and powers that in-spectors would have. Hewarned: ‘The inspectors can-not come into your dwelling,but it will be their opinionwhich will decide about thecondition of your septic tankand the public has no recourseto courts, EPA or TDs to objectto that opinion.’ He cited thesituation elsewhere, where itcost septic tank owners an av-erage of €3,800 to bring theirsystems up to the requiredstandard.

Contact councillorsHe encouraged protestors to

contact their town and countycouncillors saying they werethe people who needed to standup to the government: ‘If theywill not, get them out and get inpeople who can!’

One of the speakers, Rob Hy-land, encouraged people not toregister and to stand togethersaying: ‘We must remain unit-ed. We must be really carefulotherwise they will pick us off,one by one.’

He said: ‘The government isrobbing the old, poor, youngand needy, and we need to fightnow so that we may be cele-brated by future generationsrather than condemned bythem!’

Another speaker said thiswas the first opportunity thepublic had to stand togetherand let the government knowexactly what the peoplethought of their failed promis-es.

The West Cork CampaignAgainst Household Taxesgroup meets every Thursday inthe Eldon Hotel at 8pm andnew members are always wel-come.

Pat McCarthy, Goleen; Jer Flynn, Bantry; Michael McCarthy, Goleen, and Robert Dukelow, Schull, in Skibbereen at theprotest march against household charges last Saturday afternoon. (Photos: Anne Minihane)

Paul Cialis and Edel Forde, Skibbereen, at the protestagainst household charges in Skibbereen last Saturdayafternoon.

Macroom Primary Care Team Centre

The HSE Public Health Nursing, Speech and Language Therapy,Physiotherapy, Occupational Therapy, Home Help and

Podiatry services will transfer to

Macroom Primary Care Team Centre, Fair Green, Macroom,on Monday 20th February.

The Centre can be contacted at telephone number0761 084000 Monday to Friday 9.00am.- 5.00pm