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Galway EuroMillions player becomes overnight millionaire

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Galway Daily news Prize Bonds draw nets €50,000 for lucky Galway individual

A EuroMillions player in Galway is celebrating a life-changing windfall this weekend after becoming an overnight millionaire.

The lucky player scooped €1,005,000 in last night’s EuroMillions Ireland Only Raffle Draw on Friday, September 13.

The winning raffle code from last night’s draw was: I-RCP-82103. The National Lottery will confirm the winning store location tomorrow, Sunday.

This is the second of four special draws taking place this month, with each one guaranteeing a winner of €1 million.

Every player in Ireland who purchased a ticket for last night’s draw were automatically entered into the ‘Ireland Only Raffle’ with the unique Raffle number that appeared on their ticket.

As with every EuroMillions draw, the ‘Ireland Only Raffle’ sees 10 raffle codes generated with each winning €5,000.

One of these ten winners then had an additional €1 million added to their prize which resulted in the Leitrim player winning an even bigger prize than usual.

The next EuroMillions special draw will take place on Friday, 20th September, and the final €1 million prize will be up for grabs in the Lotto Plus Raffle Draw on Saturday, 28th September.

A player in Galway took the title of newest National Lottery millionaire in last night’s EuroMillions draw after scooping the €1 million amount in the special Ireland Only Raffle, in addition to the usual €5,000 Raffle prize.

In addition to the big win in Galway, a Dublin player is also celebrating after winning the EuroMillions Plus top prize of €500,000.

The Dublin player purchased their winning ticket on the day of the draw in Spar, Poppintree Parade, Balbutcher Road, Ballymun, and matched the following numbers in the EuroMillions Plus draw: 13, 14, 20, 31, 44.

The National Lottery is urging EuroMillions players in Galway and Dublin to check their tickets very carefully and if they are a winner, they are advised to sign the back of their ticket and to keep it safe.

They should contact the prize claims team on 1800 666 222 or email claims@lottery.ie and arrangements will be made for them to collect their prize in Lotto HQ.

Speaking about the two major wins, Sarah Ruane, spokesperson for the National Lottery, expressed her excitement. “We’re thrilled to see two players take home such incredible prizes—one in Galway now €1 million richer, and another in Dublin with a fantastic €500,000 EuroMillions Plus win.”

“It’s always exciting when we get to celebrate multiple big wins like this. For both winners, we recommend signing the back of your tickets, keeping them in a safe place, and contacting our Prize Claims Team as soon as possible.”

“We can’t wait to welcome you to National Lottery HQ to collect your prizes and hear your stories!”

“Over 52,000 players in Ireland won prizes in the EuroMillions and EuroMillions Plus draws on Friday night with the Galway player of course taking the title of biggest winner of the night in Ireland.”

“As there was no winner of last night’s €31,511,704 jackpot, Tuesday’s jackpot is set to roll to an estimated €40 million.”

One man arrested after €280k of cannabis found in growhouse raid

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Gardaí seize €890,000 worth of cannabis in Galway drugs raid

Gardaí seized just under €280k worth of cannabis and arrested one person during a raid on a growhouse in Galway on Thursday.

As part of an ongoing investigation into the sale and supply of drugs, Gardaí in Galway searched a residence in Indreabhán yesterday.

During the search they found a growhouse containing 260 cannabis plants – with an estimated value of €208,000 – along with dried cannabis herb with an estimated street value of €70,000.

One man in his 40s was arrested during the course of the operation. He has since been charged and is due before a special sitting of Galway District Court on Friday evening.

The drugs will now undergo further analysis with Forensic Science Ireland.

The operation was carried out by the Galway Divisional Drugs Unit with assistance from the Armed Support Unit.

Fibre broadband ready for 1,500 properties near Mountbellew

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Some 1,500 homes and businesses near Mountbellew can now order high-speed fibre broadband in the latest rollout from NBI.

National Broadband Ireland has said that over 1,500 properties in its Gurteen deployment area can now avail of a high-speed fibre broadband connection.

This includes the rural areas and townlands surrounding Mountbellew, Castleblakeney and Monivea.

40,000 premises in Co Galway are included in the State’s Intervention Area, which will see NBI deliver minimum speeds of 500 megabits per second to homes, businesses, farms, and schools.

As the biggest investment in rural Ireland since rural electrification, Co Galway will receive €153M of Government investment under the National Broadband Plan.

There are 21,927 homes, businesses, and farms in Co Galway that can order or pre-order high-speed, reliable broadband with 7,635 connections made to the NBI network so far.

Build works continue across Co Galway as over 2,300 premises near Clifden are due to be connected to NBI’s fibre broadband next year.

A further 3,500 Galway premises near the Banagher and Newbridge deployment areas are due to be connected to the NBI™ network between July and December 2025.

Peter Hendrick, Chief Executive Officer of National Broadband Ireland said, “We are delighted to announce that over 1,500 Galway premises near Mountbellew can now order high-speed broadband services through the NBI network.”

“This will enable those who connect to experience the life-changing benefits of high-speed broadband with minimum speeds of 500 megabits per second.”

High Court win opens door to new 102-home development in Galway City

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galway daily news rosshill galway

Duffy Property Group has welcomed the announcement that the High Court has upheld the planning permission for the Rosshill Manor SHD development.

A Judicial Review was taken against the planning permission granted by An Bord Pleanála in October 2021, but earlier this month Justice Richard Humphries ruled against the challenge by the applicants and confirmed the planning permission granted by the Board remains.

The Rosshill development will transform a 11.6-acre greenfield site into a residential neighbourhood, featuring 102 residential units comprising 67 houses and 35 apartments.

The development will also include a childcare facility, commercial retail unit and integrated woodland and parkland outdoor areas, catering to the diverse needs of future residents whilst safeguarding the sylvian character of the area.

Mike Duffy, Director at Duffy Property Group, said: “We are relieved that the judicial review has now concluded after a three-year delay and that the Court has upheld the planning permission initially granted by An Bord Pleanála.

“We started the planning process with this site back in 2019 and now want to get on with the business of providing much needed new homes for families in Galway. Rosshill is a much sought after location and we have had hundreds of enquiries from families wishing to live here.

“Duffy Property Group now look forward to working on this significant project which will provide employment, services and infrastructure enhancing the area for the community.”

Details in relation to homes coming to market in the development will be released in the coming months. The scheme is poised to break ground before the end of the year.

Galway family history group raises €20,000 for Hospice

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Monica Hynes at the launch of Bewley’s Big Coffee Morning for Hospice. Photo: Conor McCabe Photography.

The care provided by, and the overall ethos of, the Galway Hospice Foundation has led to a family history research society in the county raising €20,000 for it over 20 years.

Woodford-based East Galway Family History Society will host its annual Bewley’s Big Coffee Morning for Hospice at the local Heritage Centre.

The longstanding and much-loved national event, coordinated by Together for Hospice, takes place across the country on 26th September, and the local event at the Heritage Centre will take place from 9.30am to 4.00pm.

“We all know someone who has fought a battle with cancer, many of us may yet go through it, and we know the money raised is very well spent,” said Society Manager, Monica Hynes.

The Society is a voluntary, not-for-profit family history research organisation based at the Woodford Heritage Centre and has for over 30 years welcomed national and international visitors tracing their ancestors.

It offers family history reports and research services at the centre, or alternatively, its historical records are searchable for a subscription at www.rootsireland.ie.

It also facilitates community education and training courses.

“We hosted our first Hospice coffee event 20 years ago, and have built enormous buy-in from surrounding parishes, businesses and schools with the help of brilliant local bakers,” adds Monica.

“As a not-for-profit with a voluntary board, our choice of charity was based on a number of critical factors, including the fact Galway Hospice is run by a voluntary, unpaid board with high standards of governance.

“We also support the Hospice by selling its fundraising merchandise, including calendars and Christmas cards.

“Many of us are familiar with the wonderful work of the Galway Hospice and the care, support and attention patients receive.

“It brings a lot of comfort to patients and their families – that is why our event is so well supported.”

Together for Hospice, The National Hospice Movement, represents 24 Hospice and specialist palliative homecare providers supporting patients and their families across Ireland.

Funds raised locally stay local and go directly to each local Hospice service to innovate, build new facilities, develop new services and deliver quality improvements and extra benefits for their patients and their family members.

Register to host a coffee morning on Thursday, September 26 or on a date that suits you at hospicecoffeemorning.ie or call 0818 995 996.

If you cannot host or attend a coffee morning, you can make a donation at hospicecoffeemorning.ie/donate

Taoiseach opens new 50 bed ward block at Portiuncula Hospital

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Taoiseach Simon Harris has officially opened a new 50 bedded ward block at Portiuncula University Hospital. The project is a €35 million capital investment for the hospital site.

This new development delivers in-patient single room accommodation in line with all current modern-day standards. The project consists of a two-storey building and is linked to the existing hospital by a corridor.

The Orchard and Garbally Wards each comprise 25 single rooms with ensuite facilities and include two dedicated negative pressure isolation rooms on each floor.

The new development will facilitate the relocation of two existing wards from the main hospital building which are outdated.

Taoiseach Simon Harris said, “This is a special project for me. As Minister for Health, I met with local representatives and staff at the hospital and heard directly about the need for this project. I am absolutely delighted to be here as Taoiseach to officially open it.”

“I know how much this project means to the people of Galway and Roscommon and the impact it will have on this region.”

“This €35 million investment will deliver modern facilities designed to improve the patient experience.”

The design and layout of the new wards will deliver a patient centred approach, improving patient experience and comfort while ensuring privacy and dignity for all patients, particularly those requiring end-of-life care.

Single room accommodation will also reduce patient exposure to possible infections while in the hospital. These new wards will improve the patient’s journey, reduce the length of their stay and reduce the number of in-house patient transfers between wards.

Both wards will treat medical and respiratory patients and will commence facilitating patients on a phased basis from mid-October 2024.

Welcoming the new development, James Keane, General Manager said, “These new wards will improve our patient’s hospital experience and will provide an improved working environment for our staff.”

“I would like to acknowledge and thank everyone involved in this development from the beginning to the delivery of the new facility today”.

Ann Cosgrove, Interim CEO of the Saolta Group added, “This new development will greatly enhance the care experience for our patients and is a welcome addition for our hospital and local community.”

Mary Mahon, Director of Nursing at PUH said, “The new build continues the vision and legacy of the founders of the hospital, the Franciscan Missionaries of The Divine Motherhood (FMDM), future proofing hospital services for the people of the region”.

Who Provides Liquidity in the Cryptocurrency Market?

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The cryptocurrency market is known for its volatility and rapid price changes. For trading platforms to operate efficiently, they require sufficient liquidity. Liquidity ensures that traders can buy and sell assets quickly without causing significant price fluctuations. Market makers play a crucial role in providing liquidity in the cryptocurrency market. These entities ensure that there is always a buyer and a seller for any given trade, facilitating smoother transactions.

WhiteBIT is an example of a platform that utilizes market makers. WhiteBIT crypto market making services provide rebates and lower fees to market makers, ensure favorable conditions for efficient trading, stimulating market-making activity on the platform.

What is Market-Making in Crypto, and How Does It Work?

Market-making in the crypto sector involves continuously quoting buy (bid) and sell (ask) prices for cryptocurrencies to provide liquidity. Market makers can be entities like brokerage firms, financial institutions, or individual traders, or they may be specialized market-making firms. Market makers profit from the spread, which is the difference between the buy and sell prices.

Market makers on centralized cryptocurrency exchanges implement specific strategies to ensure liquidity. One crypto market-making strategy is placing multiple buy and sell orders at various price levels. This approach ensures that no matter the market direction, there are always orders ready to be executed. By doing so, market makers help to stabilize the market and reduce the spread, making it more attractive for traders to engage in cryptocurrency trading.

Market makers may also operate on decentralized exchanges (DEXs), and the process differs. DEXs often rely on automated market-making (AMM) protocols, where liquidity providers (LPs) supply funds to liquidity pools. These pools facilitate trades by automatically adjusting prices based on supply and demand dynamics. LPs earn fees from the trades executed in these pools, and their participation helps maintain liquidity on the DEX.

Why Use Market Maker’s Services?

Utilizing market maker’s services is essential for several reasons:

  • It enhances the overall liquidity of a cryptocurrency exchange. High liquidity means traders can execute large orders without significantly affecting the asset’s price. It is crucial for attracting institutional investors who require the ability to enter and exit positions efficiently.
  • Market makers reduce the volatility of the trading environment. By continuously providing buy and sell orders, they prevent drastic price swings, making the market more predictable and less risky for participants. This stability encourages more traders to participate, thereby increasing the trading volume and activity on the platform.
  • Employing market maker services can improve the user experience on the trading platform. With consistent liquidity and narrower spreads, traders can execute their strategies more effectively. It can increase user satisfaction and retention and attract new users to the crypto exchange.

Market makers are indispensable in the cryptocurrency market. They ensure that trading platforms operate smoothly and efficiently. By providing liquidity, they enable traders to buy and sell cryptocurrencies quickly and at fair prices. Utilizing market maker’s services can significantly enhance the liquidity and stability of a cryptocurrency exchange. It benefits the traders and contributes to the overall growth and development of the crypto trading ecosystem.

Chowder to be crowned: The Kings Head in the running for Ireland’s Best

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Brendan Keane, Chef @ The Kings Head, preparing "the best chowder in Galway" for the All Ireland Chowder Cook-off ". Photo: Anita Murphy 2018.

The Kings Head, has been named a finalist in the search for the best seafood chowder in Ireland.

Organised by Cully and Sully, in collaboration with McKennas Guide, this nationwide competition seeks to crown the ultimate chowder champion.

Following a comprehensive public vote, The Kings Head secured its spot in the final, thanks to its commitment to top-tier, fresh ingredients.

Renowned head chef Brendan Keane has crafted contemporary seafood dishes that have made the pub famous for its dedication to fresh, local seafood—so much so that its seafood bill consistently surpasses its meat costs year after year.

Now, the journey to the crown will continue as the judging panel embarks on visits to the finalist locations, with each venue’s chowder carefully evaluated before the winner is announced.

This recognition puts The Kings Head firmly on the map as one of Ireland’s premier seafood destinations.

Chef Brendan Keane

Staff captain from Galway goes the extra nautical mile to reunite Donegal girl with beloved teddy

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In a heartwarming tale that might put a smile on your face, Galway’s Staff Captain Brian Whelan of Princess Cruises’ ship, Sun Princess, made a special trip from the high seas to Donegal to reunite a little girl with her beloved teddy bear, Rabbie.

Sophie Callaghan, a young holidaymaker from Donegal, was enjoying a family holiday on the cruise line’s newest ship, Sun Princess, when disaster struck –as Rabbie went missing, however she only realised once she had left the ship and was on her way home!

Staff Captain Whelan and his team sprang into action. “We searched the ship from the laundry to the funnel to the stateroom, even under the bed.”

“Unfortunately, he did not have a Medallion,” Brian joked, highlighting Princess Cruises’ medallion technology, which allows guests to locate loved ones when onboard.

With the help of the ship’s Security, Rooms Division, and Technical Team, Rabbie was located safe and sound – on the ship’s bridge, where he had been “helping” the crew.

Pictures of Rabbie overlooking the sea and “assisting” with navigational duties made Sophie’s family smile, but the best part came when Brian, back on Irish soil, made a personal journey on September 6th to deliver Rabbie back to Donegal.

“It was a real joy to make that trip to Donegal. Seeing Sophie’s face light up when she saw Rabbie again was worth every mile,” Brian said after the reunion.

“It’s always lovely to meet fellow Irish people on the ships I work on. It brings a sense of home to me when I’m away.”

In this special delivery, Brian Whelan showed that even when sailing the high seas, a touch of home and kindness can make waves.

Make a Big Splash for Aware this September

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National mental health organisation Aware today announced the second annual Big Splash for Aware, urging people all over Ireland to come together for a swim or ‘dip’ on Saturday September 14 in support of mental health.

Participants are invited to take part at their favourite swimming spots and will receive a blue swimming hat featuring the Aware sun icon, symbolizing hope to proudly demonstrate support on the day.

With 53 per cent of adults in Ireland reporting what they believe is an experience of depression over their lifetime and 2 in 5 (42 per cent) citing frequent anxiety, Aware continues to see high demand for its services from the public, directly supporting up to 40,000 people each year.

The Big Splash for Aware will raise vital funds to ensure the organisation can continue to deliver these essential services nationwide for people impacted by depression, anxiety and bipolar disorder, directly or as a loved one.

Stephen Butterly, Head of Fundraising at Aware commented: “We really appreciated the support for the inaugural Big Splash for Aware last year, with almost 1,000 people taking a dip at their local swim spots to support Aware.”

“The sense of community was wonderful as we saw people from all across Ireland come together in solidarity to raise vital funds for our nationwide services.”

“We hope to see the event grow significantly this year and look forward to seeing even more people take the opportunity to bring friends, family and community together for a shared experience, that will make a big difference in the lives of others.”

This year, Butlers Chocolates is kindly supporting The Big Splash for Aware. Aisling Walsh, Marketing Director at Butlers Chocolates said, “Butlers Chocolates is pleased to support the Big Splash for Aware this year.”

“On Wednesday, 11th September, the company will donate €1 from every hot beverage purchased in Butlers Chocolate Cafés nationwide.”

“The team at Butlers recognises the very valuable and important work that Aware does and is glad to be a partner of this year’s Big Splash.”

For more information and to sign up for The Big Splash for Aware 2024, please visit www.aware.ie

Galway RNLI lifeboat called to two rescues in 24 hours

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Galway Daily news Galway RNLI
Galway RNLI volunteer crew on board the Atlantic 85 lifeboat Binny on a training exercise.

It was a busy day for the Galway RNLI lifeboat with two callouts in 24 hours to help a windsurfer in trouble and a stranded boat.

The crew of the Galway RNLI lifeboat launched on Sunday after a report of a windsurfer in difficulty off Salthill and again on Monday morning to a boat in distress off Ballinacourty Pier.

The pagers were activated at 3.24pm on Sunday afternoon and the crew of Declan Killilea, Lisa McDonagh and Frankie Leonard launched the lifeboat supported by shore crew Darragh Heskin, Paddy Hennelly, Eoghan Donohue and Dave Badger.

The crew were requested to launch by the Irish Coast Guard after reports of a windsurfer in difficulty off Palmer’s Beach in Salthill.

When the lifeboat arrived on the scene, around five minutes after launch, the local lifeguard had taken the casualty in hand and was making their way to shore. The lifeboat crew remained on standby until the casualty and lifeguard were safely out of the water.

Declan Killilea who was helm on the lifeboat on Sunday said, “The conditions at sea were difficult for windsurfers with a fresh offshore northerly breeze which is unusual for Galway.”

“Luckily there was a lifeguard on duty and their actions are to be commended in identifying the difficulty the windsurfer was in, raising the alarm and getting the casualty ashore in challenging conditions.”

“Once we knew that the lifeguard and the casualty were safe we headed back out the bay to try locate the windsurf sail and rigging which had been blown a distance offshore and was a potential hazard for other boats and water users.”

“Once located, we then brought the sail on board the lifeboat and returned to the lifeboat station. We washed down the boat and refuelled ready for our next shout.”

On Monday at 9.27am the lifeboat and crew were again requested to launch by the Irish Coast Guard to assist a boat in distress off Ballinacourty Pier, near Clarenbridge.

The boat with two people on board was a 4m rigid inflatable boat which had lost engine power and was drifting onto rocks.

The lifeboat with helm Brian Niland and crew Declan Killilea, Sean King and Frankie Leonard were at the scene around 15 minutes after launch.

After assessing the situation, one of the crew went on board the casualty boat and set up a tow to move the boat away from the rocks and out of danger.

For the safety of the two people on board, the lifeboat towed the stricken boat to Ballinacourty Pier so they were able to get ashore safely. The lifeboat crew then returned to the lifeboat station and prepared the lifeboat for the next call out.

Mike Guilfoyle who was the launch authority for both rescues said, “Irish waters can be incredibly unpredictable and taking some simple steps to stay safe will reduce your chances of getting into trouble.”

“Mechanical failure is the single biggest cause of rescue call outs to sailing or motor-powered boats, accounting for nearly 20% of all lifeboat launches.”

“Knowing your boat, checking the engine and keeping it maintained can give you the best chance of an enjoyable and safe day on the water.”

“However, if you get into difficulty or see someone in difficulty, please do not hesitate to call 999 or 112 and ask for the coast guard.

“Also, please check the local forecast for wind, swell and tide before setting out and let someone know when and where you are going out and when you expect to be back. Take a fully charged mobile phone with you and keep it stored in a waterproof pouch.”

“The sea is an amazing environment, but it can be a challenging one and things can go wrong. Our lifeboat crews are on call 24/7 and when we are requested to launch by the coast guard, our volunteer crew are always ready to respond.”

Team Ireland welcomed home following Paris Paralympics

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A celebratory welcome home for the athletes who competed for Team Ireland in the 2024 Paris Paralympic Games is taking place today.

At the Paris Games, Team Ireland consisted of 35 athletes who were selected to compete in 9 different sports. The team in Paris was larger than the one which competed at the last Paralympic Games in Tokyo in 2021 and finished the games with 6 medals.

Over 40% of Team Ireland athletes became first-time Paralympians in Paris, which bodes well for future Paralympic Games in LA 2028 and Brisbane 2032.

As well as the 6 medals won in Paris, including one gold, three silver, and two bronze, Team Ireland also had over 20 top 8 performances.

The Minister for Tourism, Culture, Arts, Gaeltacht, Sport and Media, Catherine Martin and the Minister of State for Sport, Physical Education and the Gaeltacht, Thomas Byrne welcomed the Paralympic athletes home today.

Minister Martin said, “I want to congratulate everyone who has been involved with Team Ireland, from the athletes to the coaches, the sporting bodies, Paralympics Ireland and Sport Ireland. And of course the families, friends and supporters of the athletes who make such a vital and telling contribution.”

“The Paralympic Games are the culmination of years of hard work and dedication. These athletes have inspired the next generation of Paralympians and they are a credit to their families, coaches and communities.”

“The Government is investing heavily in sport. It is helping to ensure that our athletes can prepare for these prestigious international sporting competitions in the best possible way.”

“We will continue to do so in the coming years, not just in the high performance system but also at grassroots community level.”

Minister Byrne added, “I had the privilege of being in Paris during the last week to see at first hand our incredible athletes in action. It was fantastic to see the hugely vocal support they received in their competitions and everybody is enormously proud of our 35-strong team.”

“They have all represented their country with distinction and have created some truly historic moments this past fortnight that will be remembered for a very long time.”

“The Government, for its part, is proud to have supported Team Ireland with record funding to support high performance sport.”

Outstanding line-up announced for Galway Comedy Festival

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galway daily news comedy lineup for galway comedy festival 2024
Comedian Colin Geddis who will play Galway Comedy Festival 2024

A tidal wave of madness, mischief and merriment is heading West with the return of Galway Comedy Festival this October.

Included in the star-studded line-up are British comedy megastar Russell Howard; the First Lady of Irish Comedy, Deirdre O’Kane; Irish comedy living legends Dylan Moran, Dara Ó Briain, and Mario Rosenstock; and the newest wave of Irish comedy stars Shane Todd, Emma Doran, Sinéad Quinlan, Al Porter and Colin Geddis.

They will play Ireland’s Comedy Capital alongside the previously announced Ruby Wax, Des Bishop, Jimeoin, Michelle Wolf, David McSavage, Enya Martin, Micky Bartlett, and Fin Taylor.

The 70-strong line-up is made up of international stars, homegrown comedy greats, and emerging talent, who will play 70 shows, across 17 venues, over seven days and nights.

One of Ireland’s leading comedians, Deirdre O’Kane has been bringing her dazzling charisma to the stage in her latest show, the critically acclaimed O’Kaning It.

In this show, Deirdre explores some of her darkest material yet, while still delivering side splitting and occasionally guilty laughs.

Deirdre also joins Emma Doran for a live recording of their hit Keep It Tight podcast, where no topic is out of bounds – from the highest brow to the lowest pelvic floor.

Stand-up, broadcaster, actor, author, columnist, science communicator, and Gaeilgeoir, Dara Ó Briain, is arguably Irish Comedy’s Renaissance Man.

From his days as host of RTÉ’s much-loved and fondly remembered The Panel, Ó Briain has become one of the biggest names on the international comedy circuit, and a Mock the Week, QI and Have I Got News For You regular.

Dylan Moran has enjoyed playing Galway so much throughout 2024 that he is taking up the role of our #GCF24 Artist-in-Residence. As well as performing stand-up, this Residency is likely to contain spur of the moment brilliance.

He delights in improvised music and art created on-the-spot. Think free-jazz from a Beat Poet with a paintbrush in one hand, a drumstick in the other and you may be on the right track. Whatever happens, Moran promises to be utterly compelling and surprising as always.

The legendary Ruby Wax will show just why Leftlion.co.uk called her “a voice that can be both comical and meaningful” in her show, I’m Not As Well As I Thought I Was, as she deals with her mental health in a way that is both unflinching and brutally funny.  Described as “Deeply thoughtful and resolutely frothy” by The Times, tickets are nearly gone already, so don’t delay.

Ireland – and the world – has changed a lot since Des Bishop was last in Galway. So has Des’ own life. There was his near-death experience in February when he fell more than 1,400 feet while skiing in Colorado. And of course the small matter of getting married. Des will tell all in his hilarious, in-your-face, new show, Lately.

The mediaeval heart of Galway City always beats faster during the October Bank Holiday Weekend, especially with brilliant mixed-bill shows and solo sets from Rich Hall, Miles Jupp, Barry Murphy, Colin Murphy, Andrew Maxwell, Terry Alderton, John Colleary, Danny O’Brien, Sinéad Quinlan, Aideen McQueen, and Sharon Mannion.

Festival HQ, Róisín Dubh, the home of comedy in the west, is the location for the Bulmers Festival Club, numerous solo shows, and the unmissable institution that is the Late Night KARLnival. Hosted by Karl Spain, this is where comedians gather to perform their darkest and edgiest material. You never know what might happen and you never know who will be there!

Galway Comedy Festival strives to be an eclectic event for fans of laughter. It goes beyond stand-up to encompass comedy in all its forms and manifestations: Celebrating classic sitcoms in Faulty Towers: The Dining Experience and the Stars of Father Ted; the art of improvisation with the Stephen Frost Improv All Stars, and a screening of the film, The Hurler, featuring numerous Irish comedians. The Festival also provides a safe space for alternative performers via The Dirty Circus, which features burlesque, cabaret, drag and pole performances.

Galway Comedy Festival is also a reminder that comedy is not exclusive to the English language, but an art which crosses all kinds of cultural boundaries. Hence there is Gáire as Gaeilge, the annual stand-up shows in our native language, and a night of Polish language comedy from Antoni Syrek Dąbrowski and Łukasz Kowalski.

Not only that, but this year the Festival is looking beyond the city walls to bring laughs around the County in a new venture that will see shows in Spiddal, Headford, and Tuam! And don’t miss Hector’s book launch of The Irish Words You Should Know. Go hiontach!

October may be among the darkest of months, but Galway city – and county – will light up with laughter and high spirits when the ultimate comedy event of the year returns. Get your tickets now.

Festival Director Kevin Healy said: “Once again we have scoured the globe to bring you more than 70 top class performers who will tickle, delight and entertain you. 

“We’ve got international headliners, big names from telly, online sensations and a select few we found ripping the roof of basement comedy clubs but know this: you are in good hands. Each and every one of these artists have been hand-picked by Róisín Dubh Comedy. That’s why we call it carefully curated craic.”

Each year, we walk a financial high-wire to remain viable in an increasingly challenging economic environment. That’s why we are especially thankful to all our partners especially Galway City Council, Galway County Council, Bulmers the Official Cider of #GCF24, our Media Partners at Today FM, Róisín Dubh, The Latin Quarter, our Accommodation Partners, and the many local businesses who support us through our Friends Of Comedy programme (The FOCers).

We ask you to please support our partners & Friends, because without their generosity this marvellous event just couldn’t take place.

Tickets for the full Festival programme are on sale via www.GalwayComedyFestival.ie 

The Future of Healthcare in Ireland: Integrating Online Doctor Services with Traditional Medical Care

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The healthcare sector is changing. Long gone are the days when a visit to your GP required a prescribed dose of tiresome hospital waiting times, invasive procedures, or morbid views of the back of surgical gowns. The new world of online doctor service providers is there for convenience and reassurance of medical consultation and advice to patients in their homes. Find out what these online doctors in Ireland offer and how online and traditional services can be used collectively to save time and money in healthcare.

The Evolution of Healthcare in Ireland

For years, healthcare in Ireland followed the traditional system of meeting the doctor or healthcare provider at the clinic. It’s a great system, but it does have its drawbacks. But not anymore. Online doctor services in Ireland allow people to have a virtual consultation with their healthcare provider. This way, they don’t have to travel and can skip the long waits in the comfort of their homes.

The Role of Online Doctors in Modern Healthcare

Online doctor services in Ireland, such as HealthHero.ie (formally MyClinic.ie), are becoming more popular. They are websites or apps where patients can speak to a doctor in Ireland through phone, video call, or online chat.

The major benefit of using an online doctor in Ireland is its flexibility. You don’t need to take time off work, book an appointment, or otherwise disrupt your schedule to get to a doctor’s office. You simply choose a time that suits you, often getting seen later that day rather than in a matter of days or weeks. This benefits those with restricted routines, chronic health conditions, or mobility problems.

Integrating Online and Traditional Healthcare

While online doctor services have many benefits, they can never replace traditional medicine. Instead, they can and should be used to complement and extend the care we receive. For example, a consultation for a common cold can be done online, after which medication can be delivered to your door. However, one may still need to visit a doctor in person for more serious conditions or diagnoses, do tests, or undergo certain procedures.

The Future of Online Doctor Services in Ireland

Technology is rapidly evolving, and so should online doctor services.  We can expect even more advanced and integrated services to merge. For example, medical AI, wearable health tech, and telemedicine solutions will start to work more closely together, and data generated by those will be transmitted in real-time to the online doctor, who can provide active support (even proactively) when necessary.

The Need for a Trustless System in Online Gaming

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As the online gaming industry expands rapidly, the challenges of ensuring trust and fairness in these environments are also increasing. Whether it’s online casinos or multiplayer games, there is a growing demand for transparency, security, and player autonomy. A key solution to these concerns is the adoption of trustless or permissionless systems, particularly through blockchain technology and cryptocurrency. A trustless system means that players do not need to rely on a central authority or intermediary to ensure fairness and security. Instead, these systems use blockchain technology to create a transparent and secure environment where all transactions and game outcomes are recorded on a public ledger. This eliminates the need for trust in a single party, as the system itself ensures fairness and integrity. 

With players increasingly shifting toward trusted online casinos not registered with Gamstop due to their integration of blockchain and cryptocurrency technologies, it’s evident that a permissionless system offers advantages that Gamstop casinos and other traditional platforms may find challenging to match. Gamstop casinos, which are local casinos licensed by the UKGC, still rely on centralized authorities to manage operations, enforce rules, and ensure fairness. In contrast, permissionless systems provide a decentralized alternative that enhances transparency and player autonomy.

The Role of Trust in Online Gaming

Trust is a crucial component in any online gaming experience. Players must trust that the games they play are fair, that their personal information is secure, and that they will be paid out fairly if they win. In traditional online gaming environments, this trust is typically placed in centralized operators—whether it’s the game developer, the casino operator, or a third-party regulatory body.

However, this reliance on trust can create vulnerabilities. Players are dependent on operators to uphold the rules, ensure game fairness, and protect their data. In many cases, these centralized entities have been prone to data breaches, cheating scandals, and even fraud. While regulatory frameworks like Gamstop aim to create a safer environment for players, they still operate within a trusted system where the central authority must be relied upon to enforce fairness and security.

This inherent reliance on trust has prompted the rise of a demand for a trustless system in online gaming, one that eliminates the need for third-party oversight and puts power back into the hands of players.

The Appeal of Blockchain and Cryptocurrency in Gaming

Blockchain technology offers a decentralized and trustless approach to online gaming. By recording transactions and game outcomes on an immutable public ledger, blockchain ensures that no single party has control over the results. This prevents tampering, fraud, and cheating, as the game’s code and outcomes are publicly verifiable by anyone.

Cryptocurrency plays a crucial role in this system by providing a decentralized method of payment and withdrawal. Traditional online casinos rely on centralized financial institutions to process payments, which can be subject to delays, restrictions, or fees. In contrast, cryptocurrency allows for near-instant transactions that are secure, anonymous, and outside the control of third parties. This has made cryptocurrency particularly appealing to players who want to maintain their privacy and autonomy while gaming online.

The Shift Towards Decentralization in Gaming

The appeal of trustless systems extends beyond online casinos. In the broader gaming industry, decentralization is becoming a key trend, particularly in the realm of multiplayer and competitive games. Traditional gaming platforms are centralized, meaning that the game developer or operator controls the servers, the game logic, and the in-game economy. Players must trust that the operator will maintain fair play, secure their data, and provide a stable gaming environment.

However, with the rise of decentralized gaming platforms, players are no longer beholden to a central authority. Blockchain-based games use decentralized networks to host their servers and in-game assets, ensuring that no single entity has control over the game. This prevents issues like game manipulation, arbitrary account bans, and unfair rule enforcement. Furthermore, blockchain games often feature tokenized assets and in-game currencies, which can be bought, sold, and traded freely by players, creating a player-driven economy that is not subject to centralized control.

Advantages of a Trustless Gaming System

The advantages of a trustless system in online gaming are clear:

Transparency: With blockchain, every transaction and game outcome is recorded on a public ledger, making it verifiable by anyone. This ensures that games are fair and the casino or game operator cannot manipulate results.

Security: Blockchain’s decentralized nature protects players’ personal information and assets, as they are not stored on a single server and are vulnerable to hacks or data breaches.

Player Autonomy: Players can interact with the gaming platform directly without relying on a third-party intermediary, giving them more control over their gaming experience and financial transactions.

Instant, Secure Payments: Cryptocurrency transactions are fast, secure, and anonymous, allowing players to deposit and withdraw funds without the delays and fees associated with traditional payment methods.

The Ultimate Irish Whiskey and Food Pairing Guide: Take Your Tastebuds On a Journey!

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Irish whiskey is not just a drink; it is an experience. The unique flavour profile and smooth nature of the whiskey are something to be appreciated. That admiration can be taken to the next level by pairing and enjoying whiskey with the right kind of food. Today we are going to walk you through the wonderful world of whiskey pairings. The difference between light and robust Irish whiskies and the kind of foods that they go well with. Let’s explore and get to tasting.

The Spectrum of Irish Whiskey: Light vs Robust

Before we dive into food pairings how about we quickly go over light and robust Irish whiskies this will set you up to combine your pairings.

Light Irish Whiskeys

Light Irish whiskies are known for their floral sweet taste. They are easy to drink and very accessible. Great to pair for foods to get you started are: 

  • Jameson: The classic. A light sweet whiskey with vanilla and spicy taste.
  • Bushmills Original: A smooth whiskey with a light honey-sweet and fruity taste.

Robust Irish Whiskeys

Robust whiskies are a more complex expression of all things Irish whiskey. They are often higher in alcohol and pack more of a punch when it comes to the depth of Irish whiskey. Here are 2 strong Irish whiskies to get you started:

  • Redbreast 12-Year-Old: Rich and complex. This full-bodied whiskey has an expression of dried fruit, spice, and a powerful delivery.
  • Green Spot: Tastes like apples and toasted oak and pair well with rich foods that need some depth

Irish Whiskey Food Pairings to Die For

1. Irish Cheeses

Pairing Suggestion: Light Irish Whiskey  

Dubliner or Irish Brie are delicious, creamy cheeses with light flavors. Their fruity sweetness calls for light, sweet Irish whiskeys to complement them. A sip of a Jameson or a Bushmills Original will really enhance that creamy texture and accentuate the hint of nuts that you taste in the cheese.

2. Meat

Pairing Suggestion: Robust Irish Whiskey  

A combo of whiskey and meat will greatly benefit from a strong fiery whiskey. Pour a drop of Redbreast 12-Year-Old with your lamb or beef and revel in the rich, grilled taste of the meat and compound that further with any smoked meat. The smokiness and spices will sing with the whiskey.

3. Seafood and Shellfish

Pairing Suggestion: Light Irish Whiskey  

Seafood calls for delicate whiskeys. To taste your grilled fish or oysters at their absolute best, eat them with a light Jameson. Its mellow, fruity sweetness will simply clear the taste of your mouth after every bit and it will naturally elevate the taste of your food, so you can enjoy a sophisticated and elegant meal.

4. Dessert and Chocolate

Pairing Suggestion: Robust Irish Whiskey  

To those that love their desserts, I mean, who doesn’t, dessert becomes even more decadent when paired with whiskey. You just haven’t lived until you have had a proper chocolate and whiskey pairing! The rich flavour of a glass of Green Spot mixed in with the full flavor of dark chocolate is a combination that you are sure to keep returning to. There’s simply no better way to round off a meal.

Final Thoughts: Unleash the Magic of Irish Whiskey!

Wine tends to be the universally accepted alcoholic beverage of choice to accompany a delicious meal. While wine is great whiskey–especially Irish whiskey–is better! So why not take advantage of the rich flavours and depth of Irish whiskey to bring the best out of your meals? From delicious juicy meat to the sweetness of dessert let Irish whiskey elevate your meals and tantalise your senses!

Gamstop Casinos: Pros and Cons

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Gamstop casinos are online gambling platforms registered with the Gamstop self-exclusion scheme in the UK, designed to help players limit their gambling activities. While they offer the advantage of promoting responsible gambling and providing player protection, they also come with several drawbacks. Many players feel restricted by these limitations and are increasingly looking to register with safe non Gamstop casino site options. These non-Gamstop casinos are more appealing as they offer greater freedom, better bonuses, and rewards without compromising player safety. In this article, we will explore the pros and cons of Gamstop casinos and why some players prefer alternatives.

The Appeal of Non-Gamstop Casinos

Non-Gamstop casinos have quickly become a favorite among many online gamblers, especially those who feel restricted by Gamstop’s self-exclusion system. Non-Gamstop casinos are not part of the UK’s Gamstop program, meaning they offer players more flexibility in terms of bonuses, game selection, and wagering limits. For some, these platforms represent a more enjoyable and open-ended gaming experience. Players have the freedom to gamble on their own terms without limitations or imposed restrictions from a third-party organization.

Moreover, non-Gamstop casinos often cater to an international audience, which means they provide access to a broader range of games and promotional offers. With fewer constraints, players can explore different gaming options, access higher stakes, and claim larger bonuses. This has contributed to their rise in popularity among those who are looking for something beyond the standard regulated experience.

Gamstop Casinos: In-Depth

Gamstop is a UK-based self-exclusion program designed to help players manage their gambling activities by allowing them to voluntarily exclude themselves from all UK-licensed gambling platforms for a set period. While Gamstop casinos are subject to these regulations, they are also licensed and regulated by the UK Gambling Commission, which ensures that they adhere to high standards of safety, security, and fairness.

For players who value peace of mind and the reassurance that their chosen platform is subject to strict oversight, Gamstop casinos are an excellent choice. These platforms must comply with the UK’s stringent gambling laws, including offering transparent terms and conditions, promoting responsible gambling, and using secure payment methods. Additionally, Gamstop casinos typically have robust customer support and dispute resolution systems in place, giving players extra confidence in the platform’s integrity.

Pros of Gamstop Casinos

The following are some of the advantages of using gamstop casinos:

1. Licensing and Regulation

One of the most significant advantages of Gamstop casinos is their licensing and regulation by the UK Gambling Commission. This regulatory body is known for its high standards, ensuring that casinos operate fairly and transparently. Gamstop casinos must adhere to strict rules regarding game fairness, customer protection, and financial security, which can provide peace of mind for players concerned about potential scams or unfair practices.

2. Secure Payment Options

Another benefit of Gamstop casinos is their focus on security, particularly regarding payment options. UK-licensed casinos must use encryption technologies to protect players’ personal and financial information. Players can choose from a variety of secure payment methods, including debit cards, e-wallets, and bank transfers, knowing their transactions are protected.

The Downsides of Gamstop Casinos

It is with its downsides. Here are some of them:

1. Limited Freedom

One of the main criticisms of Gamstop casinos is the lack of freedom compared to their non-Gamstop counterparts. Gamstop restrictions can feel confining to players who enjoy more flexible gaming options. For example, players on Gamstop casinos may encounter tighter limits on bonuses, withdrawal amounts, and betting stakes. This can make the overall experience feel more restrictive, particularly for high-rollers or those looking for a wider range of wagering opportunities.

2. Fewer Promotions and Bonuses

Compared to non-Gamstop casinos, Gamstop-regulated platforms often offer fewer promotions and bonuses. Non-Gamstop casinos tend to provide more generous incentives, such as higher welcome bonuses, larger loyalty rewards, and fewer wagering requirements. Gamstop casinos, while still offering promotions, are bound by regulations that limit how attractive their offers can be. For players who enjoy maximizing their potential rewards, this can be a drawback.

Conclusion

Gamstop casinos offer important safeguards for those looking to manage their gambling habits, promoting responsible play and providing a secure environment. However, the restrictions they impose can be limiting, leading many players to explore sites licensed offshore. These alternatives provide greater freedom, more attractive bonuses, and a wider variety of games, making them appealing to a broader audience. While Gamstop casinos have their benefits, the growing preference for non-Gamstop platforms suggests that many players value the flexibility and enhanced rewards these sites offer. Ultimately, the choice between Gamstop and non-Gamstop casinos depends on individual player needs and preferences.

Покер онлайн: основная специфика игры

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Играть в покер онлайн несложно, если старательно пройти все этапы обучения. Лучше это получается у начинающих, которые нашли заслуживающий доверия источник знаний. Закрепляя теорию практикой, легче прогрессировать. Полезно рассмотреть несколько мыслей по этой теме и не делать типичные для начинающих ошибки.

Как играть на специализированных сайтах

Очевидно, что покер в виртуальной комнате отличается от формата в наземных казино. Начинающему следует разобраться с управлением игровым процессом:

  • Автоматическими раздачами карт.
  • Панелью управления.
  • Как найти и занять место за столом.

Кроме того, учатся находить подходящий покерный сайт, проходить регистрацию и верификацию, пополнять счет через кассу.

Перед начинающим стоит несколько первоочередных задач, в том числе изучение правил т терминологии. Для этого можно использовать надежный интернет портал, публикующий полезный контент о покере. 

После прохождения тренировок выбирают площадку и создают учетную запись. Уместно искать слабое поле, низкие лимиты, бездепозитные бонусы. Некоторые новички сумели создать стартовый банкролл участвуя во фрироллах. Хотя регистрация в них бесплатная, долго задерживаться здесь не рекомендуется по следующим причинам:

  • Отнимают много времени.
  • Психологическое напряжение.  
  • Незначительное вознаграждение.

После тренировок в настоящей игре проявится степень готовности учащегося. Если удается удержать банкролл, можно повышать ставки. В противном случае продолжают тренировки или обдумывают целесообразность дальнейших занятий.  

Какие особенности стоит учитывать

В онлайн комнатах игра проходит иначе, чем вживую. Оппоненты не видят друг друга, поэтому многие тактические приемы, связанные с поведением во время сессии, не действуют.

Профессионалы используют специальные программы, чтобы обеспечить себе перевес над другими покеристам. Во многих комнатах такие действия запрещены, поэтому следует проявлять внимательность и не нарушать правила.

Расчеты проходят через платежные сервисы, работающие в интернете, в том числе криптокошельки. Подать заявку на вывод можно в любое время, но деньги придут на счет в течение указанного в пользовательском соглашении времени.

Полезная опция в онлайн формате – одновременная игра за разными столами. Покерист увеличивает рейкбэк и может выиграть больше денег за счет количества сыгранных рук. В число особенностей входят бонусы, которые оператор предлагает за регистрацию, внесение депозитов и выполнение других требований. Благодаря таким возможностям игроки отдают предпочтение онлайн формату, хотя в нем также есть недостатки.

Где находится полезная информация

Основательное обучение – одно из составляющих успеха в игровых сессиях. Качественные статьи для развития навыков и знакомства с основами покера публикует портал https://poker.ru/, созданный почти десять лет назад.

Его миссия – помочь любителям карточной игры достичь успехов и больше узнать о покере.

Здесь собраны материалы для начинающих и профессионалов. Найдут свою тему бизнесмены и простые читатели. Контент всегда актуальный, редакция сотрудничает с профессиональными игроками, которые составляют обзоры и статьи.

Galway County Culture Night 2024 programme

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On Friday, September 20 Galway County will come alive with creativity and culture, welcoming everyone to experience free and diverse cultural events taking place across the county for Culture Night.

Galway County Council’s Culture Night programme will feature over 40 events, including music, dance, theatre, art, poetry, puppetry, storytelling, film screenings, crafting and more.

Now in its 19th year, Culture Night has become a cherished national celebration of culture, creativity, and the arts in Ireland.

Thanks to the support of the Galway County Council Arts Office and the Arts Council, all events are free of charge.

Culture Night aims to unite communities in a shared celebration of the vibrancy and diversity that defines Galway’s cultural landscape.

“Culture Night really is ‘One Night For All,” says Sharon O’Grady, Galway County Arts Officer. “The programme showcases our community’s vibrant and creative spirit with a wide range of cultural experiences for all ages and interests.”

Events will take place throughout the day and late into the evening in: Athenry, Ballinasloe, Ballinderreen, Ballygar, Claregalway, Conamara, Clifden, Gort, Headford, Kilconly, Kinvara, Newbridge, Oranmore, Portumna, Renvyle, Ros an Mhíl, Tuam, Woodford, and all three of the Oileáin Árann – Inis Mór, Inis Oírr and Inis Meáin.

This year, Galway County Council’s programme highlight is Lumina, a series of artistic outdoor projections on The Cathedral Church of the Assumption of the Blessed Virgin Mary, known as Tuam Cathedral RC. Produced by Culture Works, Lumina will take place from 9:30pm as part of Culture Night Late.

This breathtaking nighttime spectacle will captivate audiences as the facade of the Tuam Cathedral is transformed into a canvas of light and sound through projections and live choral performances.

Other programme highlights include:

In Maum, Artist Collective Gliogar will present a concert launching the installation Fáistineach featuring musicians Eoghan Ó Ceannabháin, Ultan O’Brien and Saileog Ní Cheannabháin.

The Enchanted is a playful, immersive experience on Inis Mór. The magician (Ali Keohane) brings audiences onto Hy-Brasil, the mythical disappearing island, through stories told by actors Mikel Murfi, Jenni Nikinmaa & Tonya Lenhart. There will be two performances at 5pm and 7pm.

The Siar Harvest Session is a vibrant cultural event that celebrates the rich traditions of Irish music and art against the stunning autumnal landscape of Kinvara Quay heralding the changing seasons, the richness of Irish culture, and the unifying power of music and art.

Soundwaves… Seen and Heard! is a visual and performing arts event linked to the Soundwaves series of performing arts events held at Middlethird Social Farm throughout 2024.

Visitors can enjoy the vocal sounds of a number of well-known hits by local choirs while wandering through the farm cottage, glasshouse and garden exhibition.

Monsters and Things in Ballinasloe Library is a clever blend of pantomimic farce, puppetry and storytelling wonderfully pitched to engage children’s imagination.

An old-fashioned Punch and Judy-style puppet box and a beautiful mix of old-fashioned rod puppetry is grafted onto a modern story about ‘X Factor’ fame and fortune.

For those who prefer to enjoy Culture Night from home, virtual offerings include Solas Photography Club’s online exhibition showcasing award-winning photography and The Write-On Literary Kaleidoscope, a two-hour virtual journey of poetry, stories, and songs hosted by the Galway Write-On Group.

Whether you’re an arts enthusiast or new explorer, Culture Night offers a dynamic programme for all, weaving a tapestry of diverse stories, talents, and traditions.

Join this national celebration on Friday, 20th September and embrace the beauty and power of Culture Night as we celebrate and connect One Night For All.

For full event details and updates, visit CultureNight.ie and follow Galway County Culture Night on social media.

Culture Night / Oíche Chultúir is proudly supported by the Arts Council and Galway County Council.

Payday Loans UK: What You Need to Know

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Cártaí Galway

When in need of quick financial relief, many individuals in the UK turn to payday loans uk. These short-term loans can offer a lifeline in times of financial emergency, but it’s essential to understand what they entail, the risks involved, and the regulatory landscape surrounding them.

What Are Payday Loans?

Payday loans are a type of short-term borrowing commonly used to cover unexpected expenses or bridge a gap to the next salary payment. Typically, these loans are for relatively small amounts, often ranging from £100 to £1000. The borrower must repay the loan in full, along with any interest and fees, by their next payday.

How Do Payday Loans Work?

The process of obtaining a payday loan is relatively straightforward. The borrower applies for the loan, either online or in person, and if approved, the funds are usually deposited into their bank account within a short time frame. The loan must then be repaid by the agreed upon date, typically within a month.

Advantages of Payday Loans

There are several benefits to payday loans that make them appealing to borrowers in urgent need of cash:

  • Quick Access to Funds: One of the primary advantages is the speed with which borrowers can access the funds they need.
  • Less Stringent Requirements: Payday loans often come with fewer eligibility requirements compared to traditional bank loans.
  • Convenience: The application process can often be completed online, offering convenience and accessibility.

Risks and Considerations

While payday loans can be useful in a pinch, they come with significant risks and considerations:

  • High Interest Rates: Payday loans typically have higher interest rates than other types of borrowing, which can make them expensive to repay.
  • Potential for Debt Cycle: The short repayment term and high costs may lead some borrowers to take out additional loans to cover the initial one, creating a cycle of debt.
  • Impact on Credit Score: Failure to repay the loan on time can negatively affect the borrower’s credit score.

Regulations and Legal Protections

In response to the high risks associated with payday loans, the UK government has implemented several regulations to protect consumers. The Financial Conduct Authority (FCA) is the main regulatory body overseeing payday lenders. Key protections and regulations include:

  • Cap on Fees and Charges: There are limits on the fees and interest that lenders can charge, helping to prevent excessive costs.
  • Affordability Checks: Lenders are required to carry out affordability checks to ensure that the borrower can repay the loan without falling into financial hardship.
  • Cooling-off Period: Borrowers have a 14-day cooling-off period during which they can cancel the loan and repay the principal without penalty.

Alternative Options

Before deciding on a payday loan, it’s worth considering alternative options that might be available. These could include:

  • Credit Unions: These member-owned financial cooperatives often provide lower-interest short-term loans to their members.
  • Overdrafts: Some bank accounts offer arranged overdrafts that could be a more cost-effective option.
  • Borrowing from Family or Friends: This could be a simpler and more affordable solution if it’s an option.
  • Budgeting and Expense Management: Reviewing and adjusting your budget might free up the necessary funds without needing to borrow.

Conclusion

Payday loans in the UK can provide valuable assistance in times of financial need, but they come with significant risks and costs. It’s crucial to fully understand the terms of any payday loan you consider, be aware of your rights and protections under the law, and explore all available alternatives before making a decision.

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