Current Prices at 06/12/19 quoted wholesale exl VAT @23%]

Company Date Unleaded Diesel
Campus 05/12 127.86 124.04
Irving 05/12 115.46 112.32
Circle K 04/12 126.22 123.57
Texaco 05/12 125.74 122.62
Maxol 04/12 126.73 123.45
Emo 05/12 129.21 127.11
Morris 05/12 124.93 122.23
TOP 05/12 125.95 124.26
Posted in Petrol & Diesel Prices, SALES: Buying - Selling - Leasing | Tagged | Leave a comment

Insurance ..Enough ! Too Much ??

[ By kind permission of Gerry Monks ]

Is there anything that I can do to prevent my premium from increasing?
There are many actions with little or no cost that can be done.

10th December 2019

I want to thank a good friend and someone who is professionally qualified to address this topic – Adrian Power-Kelly of Power Kelly & Co, Chartered Valuation Surveyors.

ARE YOU INSURED FOR THE RIGHT AMOUNT?

Is your house or business premises properly insured? We all know the necessity of having insurance to cover the unexpected event, but the question is are you insured for the right amount? Getting it wrong can really cost you!

Every insurance policy includes an Average Clause. This provides that if you under insure then you will only receive a proportionate payment in the event of any claim. Under insure by 50% and even a €10,000 claim will give you a €5,000 payout and leave you short by €5,000. Similarly over insuring won’t give you a larger payout.

Many people confuse the Market Value sales price of a property with its rebuild cost – this is a common mistake. For example a commercial premises of 100 sq. m. (1100 sq. ft.) might sell for €400,000 but only have a rebuild cost of €250,000 – the opposite can also be true. Getting proper advice from a property professional about the correct valuation can make sure you pay the correct premium but more importantly make sure you don’t get left high and dry for €10,000’s in the event of being under insured.

Adrian Power-Kelly

Adrian Power-Kelly FRICS FSCSI ACI Arb RICS Reg Val
Power Kelly & Co
Chartered Valuation Surveyors,
Mespil Business Centre,
Sussex Road,
Dublin 4,
D04 T4A6

Tel; +353-1-2314643
Fax; +353-1-2314642

Thanks Adrian!

Always remember - call us to discuss any/every incident. We will advise and guide you.

Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560
gerry@jdminsurance.ie

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More Waste !!!

Where in the World will this waste go??

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Insurance Premiums ??

DON’T FAIL TO REPORT TO INSURERS

Is there anything that I can do to prevent my premium from increasing?
There are many actions with little or no cost that can be done.

6th October 2019

How to deal with someone claiming from you

In most cases where a claim against you is brought to your attention it is done so formally through a letter from solicitor representing the claimant. In certain cases, (but seldom), you might have a complaint from someone which might suggest that a formal claim could follow.

Never attempt to deal with a formal claim until you have reported the matter to your Insurer as to do so could easily prejudice their subsequent chance of a defense and could lead to them refusing to deal with a claim. Always call your Insurer to discuss and agree the appropriate response.

In the case where someone approaches you informally, please remember it costs nothing to be a nice person and being overly-defensive or angry simply will not help.

Please read the sentence below and put it to use.

Always remember - call us to discuss any/every incident. We will advise and guide you.

Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560

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Electric Cars and Environment Damage ?

The attached link is a BBC review of the Lithium Mining in Argentina and the Environmental damage being inflicted

https://www.facebook.com/bbcnews/videos/1705428569591167/?v=1705428569591167&notif_id=1571657207910808&notif_t=watch_follower_video

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Changing Behaviour

The addition of taxes will not change the behaviour of the general public in any great numbers.

What needs to happen is direct action by the organs of the state in relation to its own use of transport and power

Schedule all public transport by 2025 to be electric driven in cities including trains

Switch off unnecessary power such as lighting at night from midnight all across the country

Late night usage of power to be limited to emergency services such as hospitals and nursing homes and essential services .

Cease the school bus programme for other than special needs children . Encourgae cycling or walking no matter what the distance ….It was an essential part of growing up in times past and there was very little obesity as a result (two problems dealt with in one!)

Government driven solar energy on all public buildings ..Museums, Government offices, Sate run bodies to have solar power units …hospitals, etc etc

Multiple Park and ride facilities throughout the country for all major towns and cities

nominal transfer charges from car to town and return

Tax all foreign holidays outward bound with a levy to assist green projects only

More to follow

Admin

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Insurance Guide

CSNA Skillnet

Is there anything that I can do to prevent my premium from increasing?
There are many actions with little or no cost that can be done.

27th August 2019

CSNA Skillnet Seminar – NOT to be missed!

On Thursday 12th September from 12 Noon until 4pm at the Crowne Plaza Hotel in Blanchardstown the Convenience Stores & Newsagents Association have arranged for industry led speakers to discuss issues that I am totally confident will be of benefit to all retailers.

Essentially it will cover topics of how you can adopt practices that will reduce the chance of incurring insurance claims which we all know too well will otherwise seriously impact on the cost of your already highly expensive insurance premium.

Please don’t dismiss this as “not important enough to take you away from your business”, or “I already know enough about that stuff!”

It is important and you can never know enough!

The speakers are highly qualified and informed on the day to day issues that all retailers face on a day to day basis – and I know this because I’m one of them!

Please contact the CSNA to confirm your place at this free event, (Call 087 3930309 or email skillnet@csna.ie )

This event is free of charge and I guarantee will prove highly valuable to each attendee. Please make the time to attend.

Always remember - call us to discuss any/every incident. We will advise and guide you.

Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560
gerry@jdminsurance.ie

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Forced Entry Risks

Is there anything that I can do to prevent my premium from increasing?
There are many actions with little or no cost that can be done.

9th August 2019

Forced Entries Alert

Be warned that there have been a number of forced entries to convenience stores and service stations. All signs indicate that the burglars are highly skilled in disarming intruder alarms, cutting through steel bars and gaining entry. They cause extensive property damage and clear out stock of cigarettes as well as any accessible cash and alcohol.

They are extremely quick and will have fled the scene well in advance of the arrival of the retailer and/or Gardai.

Be aware that these incidents inevitably occur just after the targeted retailer has had a delivery of cigarettes. There are frequently apparent false alarm activations a few days in advance which indicate that they are calculating the amount of time they will have to the alarmed response.

Please consider if the storage of your cigarettes is adequate and if indeed it could be better. Review your intruder alarm protections. Have you an adequate number of PIR, (Passive Infra-Red), detectors – including in your attic? Your alarm system should be connected to a central Monitoring Station. Ideally with a dual link including phone and GSM with a pulse system to alert the Monitoring Station if/when your alarm has been deactivated.

Don’t allow yourself to be their next easy target.

Always remember - call us to discuss any/every incident. We will advise and guide you.

Gerry Monks
Account Director
JDM Insurance Services Ltd
01 2988266
087 2830560
gerry@jdminsurance.ie

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ENERGY

If all energy is constant and we continue to need to do the things we have always done then how can switching to electricity save the planet ?? The energy to create and use for production, transport and shipping etc is the same ??

The solution lies some where else , me thinks

We need to do less  and use energy more sparingly .

A photograph taken from the International Space station showing the earth at night time with the developed world fully illuminated while the third world is in darkness says it all?

Turn off the lights ..for a start !!

Admin

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Electric Vehicles – A view Point from Melbourne Australia

“”So much for Bill’s Electric car strategy.

I recently did some work for the body corporate at the Dock 5 Apartment Building in Docklands in Melbourne to see if we could install a small number of electric charging points for owners to charge their electric vehicles. We had our first three applications. We discovered:

  1. Our building has no non- allocated parking spaces i.e. public ones. This is typical of most apartment buildings so we cannot provide shared outlets.
  2. The power supply in the building was designed for the loads in the building with virtually no spare capacity. Only 5 or 6 chargers could be installed in total in a building with 188 apartments!!
  3. How do you allocate them as they would add value to any apartment owning one? The shit fight started on day one with about 20 applications received 1st day and many more following.
  4. The car park sub-boards cannot carry the extra loads of even one charger and would have to be upgraded on any floors with a charger as would the supply mains to each sub board.
  5. The main switch board would then have to be upgraded to add the heavier circuit breakers for the  sub mains upgrade and furthermore:
  6. When Docklands was designed a limit was put on the number of apartments in each precinct and the mains and transformers in the streets designed accordingly. This means there is no capacity in the Docklands street grid for any significant quantity of car chargers in any building in the area.
  7. It gets better. The whole CBD (Hoddle Grid, Docklands) and Southbank is fed by two sub stations. One in Port Melbourne and one in West Melbourne. This was done to have two alternate feeds in case one failed or was down for maintenance. Because of the growth in the city/Docklands and Southbank now, neither one is now capable of supplying the full requirement of Melbourne zone at peak usage in mid-summer if the other is out of action. The Port Melbourne 66,000 volt feeder runs on 50 or 60 year old wooden power poles above ground along Dorcas Street South Melbourne. One pole is located 40 cm from the corner Kerb at the incredibly busy Ferrars St/Dorcas St Intersection and is very vulnerable to being wiped out by a wayward vehicle.
  8. The infrastructure expenditure required would dwarf the NBN cost excluding the new power stations required

These advocates of electric vehicles only by 2040 are completely bonkers. It takes 5-8 years to design and build a large coal fired power station like Loy Yang and even longer for a nuclear one (That’s after you get the political will, permits and legislative changes needed). Wind and solar just can’t produce enough. Tidal power might but that’s further away than nuclear

It’s just a greenies wet dream in the foreseeable future other than in small wealthy countries. It will no doubt ultimately come, but not in the next 20 years.

A pensive and contemplative.

Bob Morgan”

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