Results 4,981-5,000 of 5,587 for speaker:Kevin Humphreys

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Kevin Humphreys: Is the opening statement the one provided to the committee before the meeting?

Joint Oireachtas Committee on Environment, Culture and the Gaeltacht: Difficulties in Obtaining Home Insurance: Discussion with Irish Insurance Federation (25 Sep 2012)

Kevin Humphreys: I am sure most of the committee members have read it. It might be more efficient if the statement-----

Written Answers — Department of Agriculture, Food and the Marine: Genetically Modified Organisms (25 Sep 2012)

Kevin Humphreys: To ask the Minister for Agriculture, Food and the Marine if Teagasc developed any genetically modified organisms such as potato, barley or wheat seeds, or other important vegetable or fruit species here; if the State through Teagasc retains any patents or intellectual property in any such genetically modified food; if he will explain the position with respect to GMO's and Ireland's food...

Written Answers — Department of Agriculture, Food and the Marine: Genetically Modified Organisms (25 Sep 2012)

Kevin Humphreys: To ask the Minister for Agriculture, Food and the Marine if he will confirm who owns the intellectual property or patent of the genetically modified potatoes which Teagasc is field trialling; if he will clarify if Teagasc had any role in the development of this potato; if so, if it retains any share in the patent or intellectual property relating to it; and if he will make a statement on the...

Written Answers — Department of Agriculture, Food and the Marine: Food Labelling (25 Sep 2012)

Kevin Humphreys: To ask the Minister for Agriculture, Food and the Marine the plans he has, if any to protect food labelling terms such as artisan, farmhouse, local and traditional to ensure they are not open to abuse or misuse, and that small producers are protected; and if he will make a statement on the matter. [40486/12]

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: What about Dundrum Credit Union's flexi-loan?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: I thank Ms Gilleece for her submission and presentation. I ask her to expand on the tiered approach. As Mr. Johnson stated earlier, it is only an indicative figure. Would Ms Gilleece see a benefit in widening the tiered approach to have another tier between the €10 million and €100 million? I believe Ms Gilleece is in a unique position to comment on a matter dealt with...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: Yes.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: I just want to discuss these flexible or top-up loans from the point of view of interest rates, etc.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: I am not seeking an answer, I was merely outlining the reality.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: Ms Motherway referred to the difference in interest rates. If there is a higher repayment, that in itself could create a difficulty. Does she envisage longer repayment terms to address this?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: I accept that totally, as a credit union member myself. My point, however, is that the example Ms Motherway gave referred to the additional interest rate which would be returned on a lump sum. When one's circumstances are very tight, one would do well to meet one's loan repayments, let alone accumulate savings at the same time. Whenever I had a credit union loan, my ambition was to clear...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: Deputy Richard Boyd Barrett's passion for the credit union movement is clear to us and Mr. Owens. There is merit in the band element. Maynooth Credit Union has been in touch. While it only has assets of €17 million, it is being lumped with those which have assets between €10 million and €100 million. Therefore, there would be merit in looking at the bands. I...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: I apologise; I picked Mr. Owens up wrongly.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: When I borrowed from the credit union, a proven saving record was needed and it was not possible to get a top-up loan without a proven repayment record. I presume would apply to the flexi-account.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: There is a safeguard mechanism in the way the credit unions work. The proven saving and repayment record mean someone cannot top up without proven repayment history on previous loans.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: That is an excellent idea. Anybody who has been a member of a credit union knows about top-up loans which are used on a regular basis. I used them on many occasions in my earlier life. How large is Dundrum Credit Union?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: Both credit unions are at the top range or the mid-range of €10 million to €100 million. The impression I am getting is that there are not many problems in the legislation for that range - that is, if one is in the upper range - but if one falls down towards the bottom to the €10 million range, the legislation is quite difficult. Is that Mr. McConville's impression as well?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: I accept that. I am taking it that Dundrum Credit Union would not have major problems with the legislation.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform: Credit Union Bill 2012: Discussion (Resumed) (20 Sep 2012)

Kevin Humphreys: Larger credit unions would have a larger talent pool. Listening to Mr. McConville's contribution and to the previous one, the concern I have is that the geographical area and the talent pool is quite tight in the small credit unions.