Happy
People Helping People
Halloween
NEWSLETTER ISSUE 4 OCTOBER 2016
ST. PATRICK’S CREDIT UNION CAR
LOANS
COME IN, LET’S CHAT
Inside
CHRISTMAS LOANS
ONELOANS YEAR 17 NOVEMBER
GREEN LOANS
One Year Loan
COME IN, LET’S CHAT
COME IN, LET’S CHAT
Paid
COMPETITIONS ! • THIRD LEVEL EDUCATION AWARD THE KERB AND AND LOTS MORE...
Bigger, Stronger, Moving forward… together… In 2011 Robert Cooper was appointed as CEO of St. Patrick’s Credit Union and in early 2012, Karen Mulligan was appointed as Financial Controller and subsequently promoted to Deputy CEO.
Since their appointments and during a time of much uncertainty, a new 5-year strategy was agreed by the Board and signed off by the members at the AGM in 2013, which is now being successfully implemented. Under their stewardship and despite the many challenges faced by the credit union sector, SPCU has seen significant improvements in IT, Communications, Member Services and the range of products offered to members over the last few years with the result that our Credit Union continues to move forward positively whilst remaining strong, safe and secure.
With further changes to the sector likely, the Board of Directors were delighted to recently offer, and have accepted, new contracts to both Robert and Karen. With the support of all staff, management and members, the Board are confident that we can build on the growth and success of the past five years and ensure our members of a relevant, strong, safe and secure credit union in the coming years.
Standing L to R: Sarah Claxton Director, George O’Driscoll President Seated L to R: Karen Mulligan Deputy CEO, John Mc Sweeney, Secretary, Robert Cooper CEO
Is your son or daughter starting third level this year? If so then enter the draw for our
2016 Education Award
• The award is available to students commencing their third level studies in the next academic year. • The value of the award is G3,000 per annum for a maximum period of four years, subject to satisfactory performance including passing the prescribed exams. • Apply online or download application form at www.stpatrickscu.ie • Closing date for receipt of completed applications is Friday 28th October 2016.
Have you heard about our Education Loan? At a specially reduced interest rate it’s ideal for members who have a child going to 3rd level or it can be used to help with primary and post-primary education costs.
Apply today www.stpatrickscu.ie or call 1800 94 00 77 for details We have branches in Ringsend, D1 & D2 See www.stpatrickscu.ie for details.
Tea Sugar
We’re Dreaming of a Stress-free Christmas
Yes, we know it’s only October but it pays to plan ahead when it comes to Christmas spending. Are you Making a List & Checking it Twice? Start shopping early, make a list, keep a budget in mind and stick to both. Don’t saunter into town on Christmas Eve and not a clue what to buy. You’ll end up spending a fortune and you’ll be grumpy ‘cos it’s not like you see on the movies where everyone is dancing and singing round the shops… it’s a battlefield. Secret Santa Baby Secret Santa for the adults is the way to go, you’ll save a heap of money and who knows you might even get something you want this year. There are only so many bubble baths and body lotions a girl can handle… and does anyone actually use soap on a rope? Deck The Halls with Re-used Holly Don’t be seduced by all the sparkling new decorations in the shops if you already have plenty. We have it on good authority Vintage is the look this year so ask yer Ma to dig out some homemade decs from years gone by, she’ll be delighted and you’ll have a lovely trip down memory lane. Last Christmas I Made You a Tart When it comes to Christmas Fayre there’s nothing better than homemade and it’s so much cheaper. Make your own
treats, Google fun and easy recipes to try out with the kids, so what if they make a mess? It’s Christmas! Rudolph the Financially Hungover Reindeer Think seriously about what you can afford and don’t push your limit. You’ll be glad in January when the kids are already bored and playing with the boxes their presents came in. Go easy on the credit cards and avoid the moneylenders at all costs. We’re here if you need a small loan to tide you over. Download a form or apply online www. stpatrickscu.ie Let it Grow! Ok so it’s a bit late for this year but if you add Christmas to your Budget Account now, when next Christmas 2017 rolls around you’ll have a nice little pot of money saved to ease the strain on your purse. Give the member services team a call and get it organised…now…
Apparently a certain high end retailer had their Christmas Shop open in August, now that’s madness...
It’s The Most Woeful Time of the Year If Christmas isn’t your thing our 1yr holiday loan could have you on a sunny beach away from all the madness. Even Michael Bublé’s Christmas Album sounds good when you’re by the pool…allegedly Mistletoe and ….a cuppa In all seriousness it’s not all about how much you spend, the things that really matter cost nothing. Play daft games with the kids, spend time with friends and family. If you have elderly neighbours living on their own, pop in for a cuppa with a box of biscuits or invite them to yours, it could be the most welcome gift you give this year.
C h r ist
mas 2
016 ?
Apply for a 1 Yr hollier loan w ith S Pats. t ... an y t hing t avoid o anoth er Bu Christ ble mas album www ! .stpa t r i ckscu 1800 .ie 94 0 0 77
Car Draw Winners June
Edward McAuley, Donegal
August
Catherine Anne Brennan, Dublin Congratulations ! We wish you both many happy and safe years of driving. In June we had ten lucky winners in the G1000 Bonus Cash Prize draw: Joseph Lynch Sarah Dreelan Patrick Quinn Ann Marie Murphy Paula Ruane
Patrick Walsh Catherine Griffin John Kinch David Sexton Josephine Byrne
In addition 14 lucky winners received a G1000 bonus cash prize in August! Pictured here is Michael Donohoe receiving his G1000 prize from Frankie Blaney of the Member Services Team in Herbert Place Billy Hearne Michael Donohoe Patricia Keaveney Kathleen Joyce Paddy Caughlan Anne Buggie John Spollen
Aoife Keenan Thomas Molloy Thomas Shaw Frances Fitzgerald Cathal Quinn Billy Diamond Dermot Doyle
Well done to all our winners. The The next next draw draw will will be be held held at at the the end end of of October October.. You You have have to to be be in in it, it, to to win win it! it! Head Head to to the the website website www.stpatrickscu.ie www.stpatrickscu.ie and and enter enter the the Car Car Draw Draw online online today! today!
Competition Winners Electric Mail Competition Winner
July Facebook Competition Winner
Congratulations Mary !
Well Done Stewart!
Mary Power, Winner of a Kindle in June’s Electric Mail Competition pictures here with Ciara Hornby of St. Patrick’s Credit Union.
Stewart Flood, Winner of an iTunes Voucher in July’s Facebook Competition, pictured again with Ciara, who was only with us for the summer so we made the most of having her around.
Other recent Facebook competition winners include: Siobhan Morrison won an Ireland jersey 2 Longitude tickets went to Leanne Meehan Noreen O’Neill won 2 Fifth Harmony tickets Like us on Facebook to ensure you don’t miss out on future competitions!
Enter Now For just €1 per week ! and be in with a chance of winning a brand new car!
Car Draw Subscription & Authorisation
I wish to participate in the Members’ Car Draw and confirm that I have read and agree to the Terms & Conditions. Name: ……………………………………………………………………………………………………………………………… Credit Union Member No: ……………………………. Telephone number: ………….................………………………….. Signed: …………………………………………………………………………
Date:………………………………………
Signed: ………………………………………………………………………… (In case of joint account)
Date:………………………………………
I wish to make payments to the Car Draw by the following method and authorise St. Patrick’s Credit Union to deduct payments where applicable (Please tick ONE BOX only):
Subscription of G52.00 deducted from my Share account annually (Note: Share balance must be above loan balance to avail of this option )
Subscription deducted at source from my salary/pension. (Where Deduction at Source is already in place) *Please tick the box that matches your salary/pension payment frequency*
G1.00 weekly
G2.00 fortnightly
G5.00 monthly
( When paying G5 per month the annual surplus of G8.04 p.a will remain in your car draw account and can be transferred to your shares)
Have the annual subscription of G52 deducted by direct debit from my bank. (If choosing this option we will forward Direct Debit instruction forms to you on receipt of this application)
I have enclosed a cheque payment of G52.00 (Cheques should be made payable to St. Patrick’s Credit Union)
See website for full terms and conditions www.stpatrickscu.ie St. Patrick’s Credit Union (ESB Staff) Ltd. is regulated by the Central Bank of Ireland
Plus bonus cash prizes!
!
Family Fun
at Wells House & Gardens
A great day out was had by all who attended our Family Day in Wells House! The rain didn’t dampen anyone’s spirits. There was so much fun to be had for all the family from Grannies and Grandads to teens and toddlers. We think these photos capture the day perfectly.
Everything went so well and we enjoyed all the activities and facilities.
We had a fantastic day at The Wells House Credit Union Family day.
Just a short note to say how much we enjoyed our day in Wells House. The rain couldn’t dampen our spirits.
The food w as gorgeou s even when we were eating out doors in the rain, w e had a lovely tim e!
The activities, food, band and house tour was absolutely brilliant.
Thanks so much for a fantastic day today, we all really enjoyed it and looking forward to next year.
erb ! We K e h T o t e m o lc We of partMonday t s le o o c e h t ’s it think the newsletter ! range t s f o r a d n le a c a We have titions and e p m o c t a e r g 2 , s fact ou some jokes for y
LOL Jokes Monster: It is a very hot day today! Witch: So, can I make you a lemonade? Monster: Yes! Witch: Poof! You’re lemonade! Patient: Doctor, I think that I’ve been bitten by a vampire. Doctor: Drink this glass of water. Patient: Will it make me better? Doctor: No, but I’ll be able to see if your neck leaks.
Tuesday
Wednesday
1
2
The birthstone for November is the Topaz. Topaz is a precious stone that symbolizes friendship.
The zodiac signs for November are Scorpio (October 23 November 21) and Sagittarius (November 22 - December 21)
7
8
9
A polar bear’s skin is black. Its fur is not white, but actually clear.
The strongest muscle in the body is the TONGUE.
Leonardo Da Vinci invented the scissors.
14
15
16
An ostrich’s eye is bigger than its brain.
A dragonfly has a lifespan of 24 hours.
21
22
23
Recycling one glass jar, saves enough energy to watch T.V. for 3 hours!
The wedding ring goes on the left ring finger because it is the only finger with a vein that connects directly to the heart.
The name Wendy was made up for the book Peter Pan.
28
29
30
A group of frogs is called an army.
1929 Commander Richard E. Byrd and a crew of three became the first to fly over the South Pole.
Baby beavers are called kittens.
Q. How do you make a witch itch? A. Take away her W.
There are more chickens than people in the world.
Thursday
3
Friday
Saturday
Sunday
4
5
6
The sentence “the quick brown fox jumps over the lazy dog” uses every letter in the alphabet.
A snail can sleep for 3 years.
If you keep a Goldfish in a dark room, it will eventually turn white.
The giant squid has the largest eyes in the world.
10
11
12
13
Babies are born without knee caps. They don’t appear until the child reaches 2-6 years of age.
If you fart consistently for 6 years and 9 months, enough gas is produced to create the energy of an atomic bomb.
Our eyes are always the same size from birth, but our nose and ears never stop growing.
The first novel ever written on a typewriter was Tom Sawyer.
17
18
19
20
A shark is the only fish that can blink with both eyes.
1963 Push button phone was first introduced
111,111,111 x 111,111,111 = 12,345,678,987,654,321
Real diamonds can be made from peanut butter!
24
25
26
27
The warmest temperature ever recorded on Antarctica is -16°C
You share your birthday with at least 9 million other people in the world.
The winter of 1932 in the US was so cold that Niagara Falls froze completely solid!
A completely blind chameleon will still take on the colours of its environment.
November “Fact of the Day”
Calendar
RB E K T HE
Two super fun competitions !
Halloween is just around the corner
sting …and the witches are du off their broomsticks - it’s o scary, but fun. To get int we the Halloween spirit, want you to send us your own short stories with a scary Halloween theme.
g! Christmas is Comin cture using not colour in this pi embers why For our younger m win a prize!. ils and send it in to nc pe ing ur lo co ur all yo
The Kerb Competition, St. Patrick’s Credit Union, 27-28 Herbert Place, Dublin 2 Or scan and email to marketing@stpatrickscu.ie Closing date for entries Friday 25th November 2016
St. Patrick’s Credit Union (ESB Staff) Ltd. is regulated by the Central Bank of Ireland
!
____ ________________ ________________ __ __ __ __ __ e m Na ______________ ________________ __ __ __ __ __ __ __ Age ____ __________ ________________ __ __ __ __ __ __ __ Address ____ _ ________________ ________________ __ __ r be m Nu r be Mem ____________ ________________ __ __ __ __ __ __ __ Tel Number
Send your entries to: