Tipp Tatler Issue 125 Aug 09

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No. 125 Fri. 21st August, 2009 Tel: 0504-51945 email: info@tipptatler.com Curraghgraigue, Borrisoleigh, Co. Tipperary. www.tipptatler.com

Inside

Over 30,000 readers every two weeks You’re sure to be seen!

Read about the Tipperary GAA Scene, the North Tipp Wheelers, find out where the fun days will be, pick up tips for investing in your child's education and of course, the greatest benfits of being over 40!

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Jokes Once upon a time there was a female brain cell that by mistake happened to end up in a man's head.

She looked around nervously but it was all empty and quiet.

"Hello?" she cried, but no answer.

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(Jeff Valdez) "Is there anyone here?" she cried a little louder, but still no answer.

Now the female brain cell started to feel alone and scared and again she yelled: "HELLO, IS THERE ANYONE HERE!!?"

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Tipp Tatler now available for digital download go to www.mymagonline.com

Then she heard a voice from far, far away: "Hello! We're down here..."

The doctor took Dan into the room and said, "Dan, I have some good news and some bad news."

Dan said, "Give me the good news."

"They're going to name a disease after you."

elevator. On the way down I asked him if his wife was meeting him.

"I don't know," he said. "She's still upstairs in the bath- room changing out of her hospital gown."

A man went to his lawyer and stated, "I would like to make a will but I don't know exactly how to go about it."

The lawyer said, "No problem, leave it all to me."

James addressed the ball and took a The man looked somewhat upset as he magnificent swing but something went said, "Well, I knew you were going to wrong and a horrible slice resulted. take the biggest slice, but I'd like to The ball went onto the adjoining fairleave a little to my children, too!" way and hit a man full force. He dropped like a ton of bricks!

A little girl had just finished her first James and his partner ran up to the week of school. "I'm just wasting my stricken victim who lay, quite uncontime," she said to her mother. "I can't scious, with the ball between his feet. read, I can't write and they won't let "Good heavens!" exclaimed James. me talk!

"What should I do?"

"Don't move him!" cautioned his part- A little girl was watching her parents ner. "If we leave him here he becomes dress for a party. When she saw her an immovable obstruction and you can dad donning his tuxedo, she warned, either play the ball as it lies or drop it "Daddy, you shouldn't wear that suit." two club lengths away."

"And why not, darling?"

"You know that it always gives you a Hospital regulations require a wheelheadache the next morning." chair for patients being discharged.

However, while working as a student A couple had been married for 45 nurse, I found one elderly gentleman-- years and had raised a brood of 11 already dressed and sitting on the bed children and were blessed with 22 with a suitcase at his feet--who insist- grandchildren. ed he didn't need my help to leave the When asked the secret for staying tohospital. gether all that time, the wife replies, After a chat about rules being rules, he "Many years ago we made a promise reluctantly let me wheel him to the to each other: the first one to pack up and leave has to take all the kids...."

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Premier Meats Opens in Thurles Local man, Denis O'Reilly, has opened his Premier Meats on the Slievenamon road in Thurles with the promise of quality, value and traceability. He is also ensuring that his produce is locally sourced.

award winning Inch House and organic vegetables from Turtulla. They also stock sauces, marinades, black puddings, free range egss and duck eggs as well as Irish chicken fillets, Irish pork and Irish bacon.

Having grown up on a farm in Beakstown, Holycross, where their own produce graced their tables, Denis has acquired an extensive experience in the meat trade over the years. On deciding to embark on his own venture, he teamed up with another man of vast experience in the meat trade, Dermot Cullen. They have sourced their meat locally with Tynan Meats and also stock Crowe Meats of Dundrum who produce excellent bacon products, as well as chutney from the

They have flexible hours making it very easy for their customers to call in, including being open on Bank Holidays and taking orders by phone.

Their working hours are between 7.30 am and 6.30pm on Monday, Tuesday and Wednesday and between 7.30am and 7pm on Thursday and Friday.

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The 40th Birr Antique & Fine Art Fair Now on sale at: Thurles Nenagh O’Connor’s Shopping Centre Cathedral St. Showrooms Nationwide Ph: 0504-20787 Phone/Fax 067-42913 www.komandor.ie

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The 40th anniversary of the Birr “Antique and Fine Art Fair” will take place in the County Arms Hotel, opening at 2.30pm on the 18th of August ’09 and running until 6.00pm on the 20th.

The opulent and renowned fair which is one of the longest established antique fairs in the country, was started, like most great things, from modest beginnings, in 1969 by the late Ena Hoctor. The County Arms Hotel, and was comprised of just two exhibitors, Ena Hoctor and Bridie Bennett.

The fair has developed and matured over the years and now boasts an

impressive array of period items from more than fourteen of Irelands best antique dealers. With pieces ranging from Georgian and Edwardian furniture, Irish silver, jewellery, porcelain, glassware, books, prints, lace, marble clocks, period designer clothing and a vast range of other unique and beautiful antiquities, the fair has something for everyone.

tor Emma Nee Haslam and wine reception at 2.30pm on Tuesday the 18th, and open till 9.30pm. Wednesday the 19th 1.00pm - 9.30pm, and Thursday the 20th from 12.00pm till 6.00pm.

As always the door proceeds from the fair will go to local charities.

For more information, a history of the fair and photo archive, log on to www.birrantiquefair.webs.com

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Waste Disposal Ryan Brothers Environmental Services have been serving the people of Tipperary, Offaly and Kilkenny for several years in the area of waste management and disposal.

They provide a weekly bin collection for private homes as well as commercial and industrial use. Ever conscious of the environment, they also provide a recycling bin to each household that collects all the paper, cardboard, plastic bottles, aliminium cans etc.

They also provide a skip hire for anyone who has decided to clear all the stacked up rubbish in their sheds or attics, which is fast and economical way to declutter space or builders construction waste, etc.

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“Behold the turtle. He makes progress only when he sticks his neck out.”

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Travel through Tipperary with ‘Tipperary Ted’ Fethard’s name in Irish means 'high wood'. Medieval buildings remain in the city centre including an Augustinian Abbey which was founded in 1300. In 1540, King Henry VIII ordered the dissolution of the monasteries and the prior of Fethard was obliged to surrender the Abbey to the King's agent in Dublin. In 1560, Cromwell marched in and the governor of Fethard surrendered to Cromwell thereby avoiding a massacre. Cromwell stabled his horses in the old Abbey. In 1823, Fr. Condon started rebuilding the Abbey, a project going on to this day.

Next door to the old Abbey is the Fethard Mill, known as Coffey's Mill.

Built in 1791, it was used to grind corn but also included a creamery, bakery and shop. It closed down in 1936 but was reopened as a centre for the performing arts in 1988.

The town walls rise to a height of 25 feet and can still be seen today. Most of the circuit survives, making Fethard the most complete medieval circuit in Ireland.

Knockelly Castle, a well fortified tower house is one of many historical buildings in the area.

There is also a Folk Museum at Fethard on the Cashel Road. It exhibits 1200 pieces of historical value and is well worth a visit.

Three miles outside Fethard is the Rock Fortress of Kiltinan Castle. It is a medieval settlement, the ruins of a medieval church and a modern castle and house. It is owned by Sir Andrew Lloyd Webber.

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TIPP IN ALL IRELAND SENIOR HURLING FINAL Congratulations to the Tipperary Senior Hurlers and Management on their comprehensive victory over Limerick in the All Ireland Senior Hurling semifinal in Croke Park on Sunday last. All roads lead to Croke Park again on Sunday September 6th when Tipperary play Kilkenny in the All Ireland final.

Kilkenny are seeking to achieve 4 titles in a row for the first time in their history. Cork (1941-44) is the only other county to win 4 titles in a row.

Uniquely Tipperary have defeated all the other 4 counties which participated in the Munster Senior Hurling Championship on their path to the final so there is no doubting their status as kingpins of Munster. It will be the 15th All Ireland final between Tipperary and Kilkenny with Tipp winning 9 and Kilkenny winning 5 of the previous 14 encounters. Tipp have won 6 of the last 7 final encounters (1937, 1945, 1950, 1964, 1971 and 1991) with Kilkenny’s win coming in 1967. However, history will count for little on September 6th as victory will go to the better team and there is no doubt that Kilkenny will start the game as favourites.

MONSTER ALL IRELAND FINAL DRAW

over many years and your great support for our county teams. We hope you will be able to give us your support again for this Monster Draw. If anybody can assist with selling tickets for the draw, please contact your local GAA club or Lár na Páirce (0504 22702).

ALL IRELAND FINAL NIGHT BANQUET In keeping with a tradition of over 50 years, The Tipperary Association Dublin will host the Tipperary Senior Hurling team for the post match banquet in the Burlington Hotel on All Ireland final night. The function will include a 5 course dinner followed by music and dancing. Tickets are priced at €70 each. Individual tickets or tables for 10 or 12 people may be purchased. Please contact any of the following numbers to reserve a ticket 087 2866018, 086 2550073 or 087 6376663. All tickets must be paid for in advance. Payment should be sent to Pat Ryan, Honorary Treasurer, Tipperary Association Dublin, 11 Foxfield Grove, Raheny, Dublin 5.

DIVISIONAL SENIOR HURLING FINALS

While the county is becoming gripped with the All Ireland build-up, this weekend is a very important one on Would you like to travel in style to the the club hurling scene with the four All Ireland Final, attend the gala bandivisional senior hurling finals being quet afterwards and go on holiday with played (see fixtures in this newspaper the Tipperary team? You can do all for times and venues). In the South this for €20 if you become the lucky and West there is a familiar feel to the winner of the Tipperary County Board pairings with Killenaule defending Monster All Ireland Draw. First prize their title against Mullinahone and in this great draw will be 2 tickets for Clonoulty Rossmore defending their the All Ireland Senior Hurling Final, 2 title against Cappawhite. However in nights accommodation for 2 in the the North and Mid Divisions there are Burlington Hotel on Saturday 5th and 2 novel pairings with Portroe making Sunday 6th September, 2 tickets to the their first ever final appearance against gala banquet in the Burlington Hotel Nenagh Éire Óg and Upperchurch on All Ireland final night and a trip for Drombane also making their first ever 2 on the Tipperary team holiday which final appearance against defending will take place after Christmas. 2nd champions and neighbours Drom and prize will be 2 tickets to the All IreInch. They are all attractive games and land final and 2 tickets to the gala ban- we wish all clubs involved the best of quet plus accommodation in the luck as we do the Divisional Boards Burlington Hotel on All Ireland final for the highlight of their hurling chamnight and 3rd to 10th prizes inclusive pionship year. will be 2 tickets for the All Ireland final. Tickets at €20 each or book of 6 DAN BREEN CUP – COUNTY SENfor €100 are on sale now through IOR HURLING CHAMPIONSHIP GAA clubs, from Lár na Páirce in Thurles and from County Board offiThe four losing divisional finalists will cials. Tickets will also be on sale at the join Ballybacon Grange, Borris-Ileigh, 4 divisional senior hurling finals this Carrick Swans, Golden Kilfeacle, weekend. All proceeds from the Mon- Knockavilla Donaskeigh Kickhams, ster Draw will go to the team training Loughmore Castleiney, Thurles Sarsfund. Preparing a team for an All Irefields and Toomevara in the draw for land final requires a lot of effort and the first round of the Dan Breen Cup cost and your support for this draw which will be made at the County will enable the Board to cover many of CCC Meeting on Monday August these costs. We are very grateful to all 24th. our supporters for your generosity

support of the elite, but not the peo-

18

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SEAMUS O RIAIN CUP

Communication and Media Awards and are named after the late Pádraig The two remaining Seamus O Riain McNamee, former President of the Cup quarter finals will be played this G.A.A., Chairman of the GAA ComSaturday August 22nd. Kildangan v mission (1969-1971) and member of J.K.Brackens will be played in Toom- R.T.E. authority. They are presented evara at 7.00pm and Boherlahan Dual- annually in recognition of outstanding la v Lorrha/Dorrha will be played in contributions made by individuals in Dolla at 7.00pm. Extra time will be the area of media and communicaplayed in both games in the event of a tions. draw. The winners will join Kilruane MacDonaghs and Roscrea in the semi- TIPPERARY SUPPORTERS CLUB finals, the draw for which will take GOLF CLASSIC place at the County CCC meeting on August 24th.

The Tipperary Supporters Club are holding a golf classic in the PGA NaCOUNTY SENIOR FOOTBALL tional Golf Club at Palmerstown EsCHAMPIONSHIP tate (outside Naas on the N7 to Dublin) on Friday July 4th to raise Defending champions Galtee Rovers, funds for the Tipperary Senior HurlFethard, Killenaule and Moyle Rovers ing team. Teams of 4 cost €700 and have qualified for the county senior tee sponsorship is also available from football championship quarter finals. €100. Please contact John Tierney by These four teams will be joined by the email at jpt@eircom.net or by phone four divisional winners. If one of the on 01 6217880 or 087 6821398 for above mentioned four wins a division- further details. al championship, they will go straight to the semi finals.

NENAGH ÉIRE ÓG OVER 40S HURLING LEAGUE BRENDAN CUMMINS RECORD NUMBER OF GAMES FOR TIPP The over 40s league organised by the Nenagh Éire Óg club was one of the Congratulations to Brendan Cummins better events to come to the attention on playing his 55th senior hurling of the GAA Scene recently. The championship game for Tipperary brainchild of All Ireland senior hurlagainst Limerick last Sunday. In doing medallist, Conor O’Donovan, the ing so he set a new record surpassing league attracted widespread interest in the 54 games played by John Doyle the town over the last couple of between 1949 and 1967. months and culminated with an attendance of several hundred people in JACKIE CAHILL WINS MCMacDonagh Park, Nenagh, for the NAMEE AWARD finals on Tuesday August 11th. Well done to all concerned for organising Congratulations and well done to Tip- it. perary journalist, Jackie Cahill, who won the McNamee National Media TIPPERARY GAA SCENE Award for his interview with Niall Gilligan, Clare hurler. The interview Information concerning all areas in provided an insightful look into the the GAA will appear in this section in demands faced by inter-county players the future. If you wish to include any but also reveals the enduring passion item of interest in future articles, for playing for your county in the heat please contact the County Public Reof the championship. Combining a lations Officer Ger Ryan at 086career as a top class GAA player and a 8149146 or via e-mail at businessman in these recessionary pro.tipperary@gaa.ie on or before times reflects the extraordinary com3:00pm on Monday. Visit the Tippermitment of the top hurlers and footary GAA web site at ballers and this was captured http://tipperary.gaa.ie to keep up to brilliantly in this article. The Mcdate with all the latest news in TipperNamee Awards are the GAA National ary GAA circles.

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Rising Stress Levels Among Farmers IFA Farm Family Chairperson Mary Sherry has said there has been a worrying increase in the number of farmers suffering from stress because of the pressures facing farm families at the moment.

be maintained to minimise accidents on farms. However, the impact of • Earth Moving stress on the health of farmers should Free • Demolition not be underestimated, particularly in a year that is proving to be one of the • Pipe Laying Quotation toughest in farming. The fact that • Rock Breaking farmers work in relative isolation can Vat Registered.

Speaking at the National Seminar on be a contributory factor and the danUpperchurch, Thurles, Co. Tipperary Farm Safety and Health in Athy, Co ger is that increased stress can in turn Tel: 0504-54430 Fax: 0504-54903 Mbl: 086-2554795 Kildare today (Fri), Mary Sherry said, lead to accidents. We should strive to “judging by the phonecalls that are deal with stress before it becomes a coming in and the greater number of wider problem.” people who approach us at shows and events throughout the country to talk “IFA members have a role to play in about the difficulties they are experi- identifying people that may be sufferToomevara, Ph; Business: 067-26240 encing, the level of stress is rising. ing from stress and encouraging them Kevin: 087-675 8546 James: 087-260 4172 Poor prices, the threat of further cuts to talk about their difficulties. Our Price List - Cladding Roofs to income supports, bank debt, the voluntary officers should also be able difficulty in getting credit and bad to direct them to agencies that can 8x6 €700 8x14 €1300 weather conditions have all contribut- provide support and give advice in a 6x8 €720 8x16 €1480 ed to very demanding situations for sensitive manner,” she said.

8x8 €800 10x10 €1250 farmers. Many are under increasing 10x6 €825 10x12 €1350 pressure to meet day-to-day houseMary Sherry said the HSE and Health 8x10 €950 10x14 €1650 hold bills and are finding it hard to and Safety Authority have a role to 8x12 €1070 10x16 €1750 Optional Extras: play in devoting resources to combatAdditional Windows €25 each, Double Doors €60, Window Boxes €20 each remain positive.” ing stress levels in the farming comMs Sherry said, “the focus on Farm munity.

Safety is very important and should

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Increased Price for Beef

IFA National Livestock Committee Chairman Michael Doran said cattle prices have turned a corner with improved retail sales and tighter supplies of finished cattle both here and in the UK making a real difference to the trade.

Michael Doran said cattle prices have increased by 6c to 9c/kg with R grade steers now making €2.94 to €2.97/kg.

He said farmers are digging in on price with agents and factories, and are not parting with stock at the lower quoted prices. He said the improved weather has dried up supplies.

Spain at €3.31/kg, €3.19/kg in France and €3.15/kg in Germany.

Michael Doran said the import requirement in the UK was rising all the time and with tighter supplies and falling production there were major opportunities for Irish processors to increase prices. He said this was helped by a continuing absence of Brazilian beef due to their failure to meet EU standards.

Future of Irish Grain Production in Doubt IFA National Grain Committee Chairman, Colum McDonnell said that the future of grain production for many growers is in doubt, as crop returns for two years running will fall significantly below the cost of production. IFA estimates that between 40,000 and 50,000 ha of land disappeared from grain production after last year's harvest.

Mr. McDonnell said, “Most growers will lose between €40 to €50/t based on current indicated prices of €90 to €100/t for this harvest. These levels of losses are not sustainable. Given The IFA livestock leader said today's prices a similar amount of “demand and prices have lifted significantly in our main export market Michael Doran said live exports have land could disappear for next year.

Credit availability will be the deterin the UK. Beef supplies in Britain been very strong to date this year mining factor for many farmers.” have tightened and prices have lifted with 186,000 animals sold abroad. by 10p to 15p/kg with farmers being He said this has been the only posiThe trade, as usual, will maximise its offered £2.75/kg which is the equiva- tive feature of the livestock trade in lent of €3.36/kg”. He said cattle pric- 2009 as factories have held back the margins by incorporating locally proes have also improved in Northern price benefits of a strong UK market duced grain in highly priced livestock Ireland and across Continental Eusince the beginning of this year. Dis- rations. None of the value added crerope. missing factory criticism of live ex- ated will be passed back to growers. ports from Meat Industry Ireland, he Instead the trade will base its green price on current imported prices, Michael Doran said beef prices across said a strong live export trade is esour main EU markets are also rising sential for cattle price competition in which are the low of the market. with Bord Bia reporting prices in Ita- Ireland.

He said, “Grain prices are always on ly at €3.82/kg incl Vat, prices in the floor this time of the year as harvest pressure peaks across Europe and traders move to off load surplus "If you tickle the earth with a hoe she laughs stocks at fire sale prices. Once the harvest is complete and surplus with a harvest."

- Douglas William Jerrold stocks are moved the trade pull back from selling and prices invariably The IFA livestock leader said farmers should not sell under finished stock to the factories at the low quoted prices.

He said under finished cattle should be sold in the mart.

rise. Unfortunately growers’ prices are pitched to the low of the market and they do not benefit from this rise.”

“Despite achieving some of the highest yields in Europe, Irish grain producer margins have been eroded significantly in recent years. Irish fertiliser, seed and chemical prices are significantly more expensive than across Europe and this is eroding our competitiveness. At today’s green grain prices it will take six to seven tonnes of green grain to pay for a tonne of seed barley. Twenty years ago two and a half tonnes of green grain would have paid for a tonne of seed. Input prices need to be brought into line with our competitors.”

“Similarly on the grain trading side the system needs to change. The vast majority of Irish growers have no control over the prices they are paid under the current system. UK farmers have an opportunity to sell a harvest over a two-year window. Many have forward sold a considerable portion of this year’s feed wheat crop at prices of up to stg£150/t. This is a far cry from the €130/t on offer today to Irish growers for dried wheat for November collection. There is no way that Irish growers can continue to pay top dollar prices for their inputs and take the lows of the market for the grain.”

TIPP TATLER

Grow your business - call the Tipp Tatler 0504-51945

New website to find a solicitor for your Courtdate CourtDate.ie is a free website for the public to find a solicitor who will be available to take instructions at the specific court and day they have to appear.

Solicitors on CourtDate.ie will be attending the selected court and members of the public will be in a position to contact them and arrange representation for their Court Date.

Presently solicitors will be waiting to be approached at the court by members of the public seeking representa-

tion or will be assigned the case by the judge.

In each case the public lose the time and information to make an informed choice on who will represent them in court.

At courtdate.ie a list of solicitors and contact details will be automatically generated after entering the court and date on the summons.

Also included is the court details with a google map location for the court or solicitor.

Rents fall 17% over the past 12 months Rents across the country have fallen by a further 5% in the past 3 months, according to the latest report published by the property website Daft.ie. The national average rent now stands at just over €800 per month, down 17% on the same time last year.

Across the country, major cities were most affected. In Dublin, rents fell by up to 7% in the past three months, while Cork and Limerick fell by 5%.

Falls in Waterford and Galway were smaller, similar to the 4% falls on average outside the main cities over the last three months.

Commenting on the report, Ronan Lyons, Economist with Daft.ie said, “The total number of properties available to rent at any one time on Daft.ie has risen steadily over the last two years. In the month of July alone, there were a record 24,000 properties available to rent, about three times the seasonal average. As landlords compete for tenants in a market where supply exceeds demand, these falls in rents are to be expected.”

He continued, “There may be signs of some good news for landlords in the latest figures. During July, for the first time since 2007, the number of properties available to rent fell. High

demand for rental properties over the summer months has been reducing the total number of properties available to rent, which may ease downward pressure on rents."

Rents in Tipperary Rents fell almost 3.5% in Munster in the second quarter of the year. This means that rents are about 16% below their level of a year ago. This is in line with the national average but below the falls in rents seen in places like Dublin and its commuter counties. The average rent in Tipperary in the second quarter of the year was just over €620, a fall of almost €100 on a year previous.

With CAO points out yesterday, the latest trends will be welcome news for new and returning college students. A typical student renting a double-room in Dublin could now expect to save up to €1,000 on average over the course of the coming academic year. This is similar to the likely saving on a two-bedroom property in Galway and Limerick.

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KILLEA, TEMPLEMORE, CO. TIPPERARY The full report, available online at www.daft.ie/report, contains a special snapshot for students on rents close to all major universities and ITs, as well as a commentary by Ronan Lyons.

Quick Quiz 1 From which Abba album did "Super Trouper" come?

2 In which field did Barnum and Bailey gain fame.

3 What is a female deer called?

4 What is the capital of the Phillipines?

5 What sort of creature is a Cassowary?

6 What can be Commice, Bartlett or Conference?

7 What type of food are spaghetti, macaroni and lasagne?

8 Which is the largest marsupial mammal?

9 Which German town is famous for its Pied Piper legend?

10 Who was Christopher Dean's Ice Dance partner?

Answers

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THE EXHIBITION WITH EVERyTHING FOR THE HOUSE, HOME AND GARDEN IN BUSINESS? INCREASE YOUR SALES BY TAKING PART THURLES MODERN HOMES & BUILDING EXHIBITION Presentation Sports Complex 18th 19th & 20th Sepember Fri: 7pm -10pm, Sat & Sun 12 noon - 6pm If your line of business has anything to do with the house, home or garden, you should take part.

You can reach thousands of people all in one place ENQUIRIES: P 058 48633 E info@modernhomes.ie W www.modernhomes.ie

1. Super Trouper 2. The Circus 3. A doe or hind 4. Manila 5. A bird 6.

Pears 7. Pasta 8. The kangaroo 9. Hamlyn 10. Jane Torvill

BUSINESS

Tipp Tatler 0504-51945

So you want to buy a new computer?

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But how do you know which is the right computer for you? They all look pretty much the same after all, and with so much confusing terminology how can you make an informed decision?

Most of the customers I see have depended on salespeople to help them decide (and that’s often why I’ve been called out – i.e. the computer doesn’t meet their needs). However, in all honesty I don’t recommend that you buy from any of the well-known big chains. They sell what they have in stock and need to shift, rather than what you need. (And DEFINITELY never buy any of their extended warranties, no matter how much the salesman pushes them).

All for €25 per PC per month

I the following are a few of the websites I recommend (they’re all good, and the prices are as good as you’ll get anywhere): http:///www.dell.ie http://www.dabs.ie http://www.komplett.ie

No Minimum contract or number of pc’s

But how do you know what to order?

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Over 12,000 mortgages drawn down during the second quarter of 2009 * Q2 shows seasonal pick-up over Q1 * First-time buyers account for 1 in 4 of all new mortgages * Home purchaser segments increase market share The IBF/PwC Mortgage Market Profile published last week shows that 12,686 new mortgages to the value of some €2.2 billion were issued during the second quarter of 2009. This shows an increase in activity over the previous quarter in keeping with seasonal trends, as well as an increase to record levels in the share of overall activity for the main home purchaser segments of the market.

Although down by some 64% year on year, the volume of new lending in the second quarter (Q2) of 2009 is up 15.4% compared to the previous quarter – reflecting the seasonal pattern of stronger mortgage lending in the second quarter of the year. The following are among the key features of the Q2 2009 data.

* First-time buyers (FTBs) now account for 1 in 4 of all new mortgages issued. With a 25% share of the overall market by volume, they have consistently increased their market share over each of the last six quarters. * The key home purchaser segments of the market – FTBs and Mover Purchasers – together now make up 60% of the total market by value. * The Residential Investment Letting market continues to decline and is the only segment not to record a quarter on quarter increase.

One way is to ask me. I offer a free advisory service. I’m not affiliated to any of these companies and make no money at all out of your purchasing decision, so the advice is totally independent. (Why do I do it then? It’s like a free sample – you get to speak to me and know I know what I’m talking about, and may well keep me in mind for when you do want help.)

I need to know what you’re going to use the computer for, e.g. games, videos, office work and so on, and also how you’re going to use it, e.g. in its own place on a desk, or in a shared space, or while commuting etc. I also need to know your budget. Armed with this information I’ll quickly be able to advise which computer is right for you.

If you do buy from a shop, make sure the salesman asks you these questions too, and if he doesn’t – well, he should.

Also, the minimum memory you need is 2Gb of RAM (the salesman will know what this means; it’ll be specified on the website), and as Windows 7 is out in October, an upgrade to it should be included as standard.

Oh yes, one more thing: you’ll get CDs with your computer. KEEP THEM! Ideally tape them to the case, or make sure you can easily find them. They’re the operating system and software CDs. You don’t need them immediately because all that information is loaded on your computer already. But it WILL crash, and it WILL need to be re-uploaded, and if you don’t have those CDs you’ll need to spend hundreds of euros buying more copies.

Peter Harris is The Nerd. He offers computer repairs and consultancy to homes and businesses. www.need-anerd.ie 086 804 4084

Ireland’s Newest Shopping Forum Ireland’s newest Shopping Forum www.talkshop.ie has everybody talking!

A great new site has just launched called www.talkshop.ie for all those of you out there who love not only shopping, but TALKING about shopCommenting on the data, IBF Chief ping!! The forum is only new, but the driving force behind it, Sian Maloney Executive, Pat Farrell, stated: from www.giftsandvouchers.ie is hoping that it will become a premier “While the overall level of mortgage activity continues to reflect the resource for people looking to exvery challenging economic environ- change information and get shopping deals in Ireland. ment, it is reassuring to see that those focused principally on home They have an Ask the Experts section purchase, first-time buyers and for people looking for advice on what mover purchasers, now have a wine to buy for that special meal, record share of the total market – what fabrics or furnishings will albeit a smaller market. By contrast, the investment end of the market continues to show the greatest decline.”

match that specific room, advice on your appearance from your own personal Image Consultant. Ask your own Landscape Gardener advice on your garden, advice on what baby gift or clothes to buy and even their own Wedding Specialist!! So why not hop on over there and ask! www.GiftsandVouchers.ie is a site that has brought together online shopping from some of Irelands best retailers in one place and allows you to browse by category, so why not check out their wide range of gift ideas and have them delivered anywhere in Ireland. And then let everybody know on www.talkshop.ie all about it!! Join the chat.

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Clare Tipp Properties offer high spec properties at rock bottom prices.

Check our website for further information. www.c-t-p.ie Derry Demesne Residence of approximately 1,800sq.ft. on circa 1.85 acres adjoining Lough Derg and with about 185 feet of lake frontage and F.P.P. for own private harbour.

This superb opportunity includes full planning permission (2008) now in place for a private mooring, an extremely private dwelling, a detached two stroey large garage/boat shelter/work room, a long private driveway to the main property and land, and a guide price which has slashed from guide price $1.2m to one amazing bargain of €675,000.

Curragh House, Curragh, Portroe, Co. Tipperary.

Circa. 3,200sq.ft. (297.28sq.m) Five Bedroom Residence nestled into the Tipperary hinterland on threequarters of an acre site and enjoying rural tranquillity and countryside views. Option to purchase up to four + acres negotiable. Guide Price: €295,000

Killea, Ballinderry, Co. Tipperary.

No. 4 "The Beeches" Ballina, Co. Tipperary.

Only because the owner is emigrating is she willing to allow this property to go for the incredible low price of €415,000 (other properties around are all in the €450,000 to €550,000 region).

A beautiful detached residence including a detached garage, approx. 1/3 of an acre site and breathtaking views of Killaloe Cathedral, Lower Lough Derg and Sliebh Berna hills as a backdrop. This property is located in the very well known Beeches complex and is only a short stroll from all the amenities in Ballina/Killaloe. Close to schools,

shops, restaurants, bistros, pubs, water amenities etc. A property of internal dimensions of c.2,300sq.ft. all rooms are large, bright and enjoyable. Year of Build; 2003. Natural gas central heating, mains services.

High Spec, High Energy Rated magnificent property of c.1,900sq.ft. (with option to extend internal dimensions to circa 3,000sq.ft. s.t.p.)

Limestone sills and finish, Oil central heating, Private bored well, large site of 0.7 acre, wonderful tranquil location, bright and airy property with magnificent kitchen and living space. The attic is accessed by Stira Stairs, is floored

and boasts velux windows in place this has an area of circa 1,200sq.ft. and could be suitable for conversion s.t.p.

Guide Price; Now massively reduced to a guide price of €285,000.00

Clare Tipp Properties - Working For You

Increase Sales, call the Tipp Tatler 0504-51945

Chain Letters

Irish Brothers Attempt Scuba Dive World Record

I want to thank all of you who have taken the time and trouble to send me your chain letters over the past two years.

I no longer eat KFC because their chickens are actually horrible mutant In memory of a son and nephew, two freaks with no eyes or feathers.

Irish brothers are to make a daring scuba dive in an attempt to enter the I no longer go to bars because someGuinness Book of World Records Thank you for making me feel safe, one will drug me and take my kidand raise funds for sick children. secure, blessed, and wealthy. Beneys and leave me taking a nap in a ‘The World’s Longest Scuba Dive’ cause of your concern....... bathtub full of ice. will begin at Scubadive West Dive Centre off the West coast of Galway I no longer can drink Coca Cola beThanks to you, I have learned that on Saturday, 10th October 2009. The cause it can remove toilet stains.

God only answers my prayers if I world record attempt aims to raise forward an email to 7 of my friends funds for the St. Raphael’s I no longer check the coin return on and make a wish within 5 minutes.

Children’s Ward at Beaumont Hospipay phones because I could be tal and the charity CD’s Helping pricked with a needle infected with I no longer have any savings because Hands.

AIDS. I gave it to a sick girl who has been Declan Devane has been motivated to dying for the past seven years. take on the fundraising challenge in I no longer use cancer-causing deomemory of his two year-old son Cildorants even though I smell like a I no longer have any money at all, lian, who died on 6th February this water buffalo on a hot day. but that will change once I receive year. Declan, along with his brother the $15,000 that Microsoft and AOL Paul Devane, hope to spend 40 hours I no longer go to shopping malls beare sending me for participating in underwater, under the supervision of cause someone will drug me with a their special e-mail program. dive-coordinator Gary Jennings and perfume sample and rob me. with the help and support of ScuNow to Return the Favour: badive West I no longer receive packages from (www.scubadivewest.com) and a UPS or FedEx since they are actually If you don't send this e-mail to at team of support divers. To set the Al Qaeda in disguise. least 1200 people in the next 60 sec- record, the brothers will not be peronds, a large bird with diarrhea will mitted to break the surface of the waI no longer answer the phone because fly over your head at 5:00 PM and ter for the duration of the attempt. someone will ask me to dial a stupid the fleas of a thousand camels will What sets this dive apart from other number for which I will get the infest your armpits. attempts is that it takes place in open phone bill from hell with calls to Jasea rather than an aquarium or pool. maica, Uganda, Singapore, and UzI know this will occur because it ac- In the uncontrolled natural environbekistan. tually happened to a friend of a ment the divers will be exposed to friend of a friend's neighbor's cousin, the elements and a water temperature and he's a lawyer. So you'd better get of less than 15 degrees Celsius. The going on that e-mail!!! team are therefore attempting to claim the Guinness World Record™ for the world’s ‘Longest cold, open saltwater SCUBA dive’.

Declan wants to honour his son’s memory and help other children who Kiddies birthdays or that suffer serious illness: “We hope that Special Day. our efforts and peoples generosity Make it really Special with will, together, honour Cillian’s memory, as well as all the children who a Bouncy world Castle and suffer serious illness. By raising

funds for St. Raphael’s Children’s Ward at Beaumont Hospital where Cillian was cared for so well, and for CD’s Helping Hands, which supports the families of sick children, we hope to give something back to those who helped us when our little boy was sick”.

The Devane brothers have already had huge support from the scuba diving community, who are providing a range of standard and specialist equipment for the world breaking attempt.

Originally from Hollymount in County Mayo, and now living in Galway, the brothers have been amateur divers for a number of years but have never attempted something like this before. As younger brother Paul points out: “It will be October. It will be cold, it will be long. There will be no breaks, no meals, no toilet stops.

We want to make it to 40 hours.

That’s the equivalent of a working week underwater. It will be a challenge”.

The divers face a number of risks but have prepared well to minimise the risks. As dive co-ordinator Gary Jennings points out: “The biggest risk to the guys is hypothermia but we have specialised equipment to combat this insofar as is possible and have meticulously planned every aspect of the dive from dealing with the many cylinders of air the guys will need to how to keep the guys occupied for such a long dive. I’ve every confidence the guys will pull this off.

They can have no better motivation”.

To find out more about the world record attempt and show your support visit www.worldslongestscubadive.com

Slide

Rain Cover, etc.

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The third in a series of Points Sprint Races was held last Thursday evening, the 6th August by popular request of the riders concerned.

The route remained the same - the straight between Donal Ryan's roundabout and the one at the end of the bypass - a round distance of 2 miles. There were ten sprints in all, five with a long sprint and five with a short burst as we try to please all types of riders! This week we had four guest riders - Alan Loftus and Patrick Rohan from Limerick CC, René Van Dam from Cycling Pursuits and Conor Ryan.

Once again, the strongest sprinter from the club was Shane Scully, taking his second consecutive victory with 44 points - just six off

maximum. Eamon Hartnett, riding this type of race for the first time came second with 35 points and Paul Lenihan was third with 32 points.

Second-place man, Eamon Hartnett tired after his efforts. Photo: Vic Nott

Increase Sales, call the Tipp Tatler 0504-51945

Killea Fun Day On Sunday 30th August, in Killea’s sportsfield, there will be a Fun Day with a Dog Show and Vintage Display. The Thomas McDonagh Pipe Band will open the event at 1.30pm. The proceeds of this event will go towards a defibrillator for the Killea Parish and the remainder of the profit will be divided amongst the Killea GAA, Killea N.S., Killea FAS and Killea Graveyard Committee There will be plenty of events to amuse and entertain everybody,and

Since late spring children have been out here in their droves, either with their school or with our annual Summer Camp, Detective in the Wild. What we notice is how genuinely and easily the children connect with the natural world, how they are filled with awe and wonder the kids will be well catered for as in this unique wetland environment, well, with loads of free events laid lapping up its sights and effortlessly on for them, including face paintabsorbing information and ideas. It ing, bouncing castles, art competi- makes some of us wonder if there tion hair breading and pony rides. isn’t an innate link between children There will be refreshments, looked and nature, and that it tends to get after by the Ladies Committee with overrun as they get older and encounter the attractions of the soplenty of top class confectionary. called ‘sophisticated’, more ‘advanced’ teenage and adult worlds.

This event was a huge success last year, so be sure not to miss it as it Now here’s an opportunity for all the is a great day out for the young and family to enjoy this natural resource. the old alike. So don’t make any other plans for Sunday 30th August and we will se you there.

Boxing Legend Muhammad Ali To Visit Ennis Muhammad Ali has accepted an invitation from Ennis Town Council to visit his ancestral Irish home next month, it has been confirmed.

The former world heavyweight champion, now 67 and fighting Parkinson’s disease, will visit the birthplace of his great grandfather during the afternoon of Tuesday, 1 September 2009. Council officials met with Ali’s representatives in Ennis, Co Clare, today to finalise a date for the visit.

Ali’s great grandfather Abe Grady emigrated from his home on the Turnpike Road in Ennis to the United States in the 1860s. Grady sailed from Cappa Harbour in Kilrush, County Clare, eventually settling in Kentucky, where he married an African-American woman. Their son also married an African-American and one of the daughters of that union was Ali’s mother, named Odessa Lee Grady. She married Cassius Clay, senior, and they settled in Louisville, where their son was initially given his father’s name on his birth in 1942. He later changed his name to Muhammad Ali when he converted to the Nation of Islam after winning the world title in 1964.

Open Day at Cabragh Wetlands

of Ali’s visit would be finalised during a special meeting of Ennis Town Council on Monday week.

The Mayor continued: “This is a very exciting event for the people of Ennis and Co Clare who will get to see the boxing legend when he embarks on a drive throughout the town and the birthplace of his great grandfather. I will be proposing at the Town Council meeting that a Civic Reception, the highest honour that this town can give, be held in Muhammad Ali’s honour. I will also be proposing that he be named the first Honorary Freeman of Ennis Town”.

Mayor Neylon added: “The public interest in this planned visit has been immense and I believe that the publicity surrounding it will result in thousands of additional visitors to the town. The visit will serve as a huge boost to the local economy including its bars and hotels, which have experienced a huge downturn in business over the last year. I have no doubt that the people of Clare will turn out in huge numbers to welcome Muhammad Ali and that the boxer himself will thoroughly enjoy his visit to the Ireland’s Banner County.”

Mayor of Ennis Cllr Frankie Neylon said he expected that further details

To Advertise here phone us today 0504-51945

Cabragh Wetlands is holding its Open Day on Sunday August 30th Eanna ni Lamhna returns to lead a guided walk and give a talk; there will also be crafts, raffle, auction, animals, fun for the children, teas and cakes, and displays from a variety of experts on various systems of renewable energy and home heating.

There is something here for everyone, and we hope for a huge turnout again.

The weather, of course, will be fine!

There will be a Children’s Art Competition, with entries in whichever medium you like – drawing or painting, sculpture, woodcraft, poetry, or whatever.

Entries must conform to a theme of the natural world. Bring them along on the day, and Eanna ni Lamhna will be our judge and give out the prizes.

You are never really playing an opponent.

You are playing yourself, your own highest standards, and when you reach your limits, that is real joy.

-- Arthur Ashe

Book Review

By Nigel Quinlan, Sheelagh na Gig

Drood by Dan Simmons This blockbuster historical novel, set over the final years in the life of Charles Dickens, is a puzzling examination of madness and literary rivalry, sometimes comic, sometimes horrific.

Drood is narrated by Wilkie Collins, who is remembered today as the author of The Moonstone and The Woman In White, precursors of the modern mystery novel.

Collins is Dickens’ friend and, in his own mind, equal.

The book opens with an account of a terrifying rail crash in which Dickens was a passenger and survivor. Moving amongst the dead and dying, Dickens encounters a terrible, spectral figure in black who introduces himself as ‘Drood.’

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Dan Simmons is best known for his science fiction, but he has also been known to dip into crime and horror.

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At 800 pages, Drood is a long read, but one that engages on several levels and keeps the reader guessing until the final pages. Terrific, intelligent entertainment.

Drood is available in paperback from Sheelagh na Gig bookshop, Main Street, Cloughojrdan. Sheelagh na Gig is open 6 days a week: Tue and Wed 9.30am-5pm, Thu and Fri 9.30am-7pm, Sat 10am-6pm and Sunday noon-6pm. Tel: 0505 42123 or visit www.myspace.com/sheelaghnagig or follow us on Twitter: www.twitter.com/sheelaghnagig

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How to invest in your child's education

By Eamonn Walsh QFA

It’s an expensive thing to put your child through private school and/or university, so the sooner you start saving, the better, writes Eamonn Walsh Qualified Financial Advisor

about €1,000 a year this isn’t cheap.

The cost of attending college for students living away from home is estimated at about €8,500 a year by Dublin Institute of Technology.

Several financial institutions offer a variety of savings products dedicated to helping pay for education. Deposit accounts are often the most popular, but beware of the fine print.

If you have a teenager already, you’re probably best to stick with savings accounts.

THE RECENT removal of a student from a fee-paying girls school in Dublin for non-payment of fees has thrown the difficulties people face in meeting the costs of education into sharp focus.

Moreover, university fees look to be firmly back on the Government’s agenda. At present, UCD charges about €6,500 a year for students from the European Union who do not qualify for free fees, rising to €12,780 for medicine.

One way banks look to attract customers is by offering an attractive regular savings rate, but it then moves all the funds into a lower-paying account at the end of each year. For example, Halifax’s Child Saver account currently pays 3.75 per cent on savings of between €10-€200 a month.

Like savings accounts, there are some stock market-based products dedicated to saving for an education but again, this doesn’t mean that they are the best choice.

While for most of the population private schools aren’t on the agenda, a “free” education in Ireland still costs money when you factor in necessities such as uniforms, books and registration fees.

It is widely accepted that educating a child in the public system to third-level costs about €60,000.

With university fees likely to be reintroduced, parents may need to have substantially higher savings for those expensive years.

So, how much do you need to save and what are the options on the market to help you build an education fund?

The first step in creating a savings plan to educate your children is to estimate how much money you may need. To reach this number, you should take into consideration the type of school they will be attending (public or private), the possibility that fees will be reintroduced for third level, your time horizon and, of course, inflation.

HOW MUCH WILL IT COST? Last year, Bank of Ireland estimated that the annual cost of attending a public primary school was about €1,200 a year, taking into account such costs as transport, uniform, books and food. For secondary school, the annual costs rose to more than €2,000. So, to educate a child all the way up to the Leaving Certificate will cost you about €22,000.

However, for many parents, the cost will exceed the above as children going to private schools will also incur fees. Since the removal of university fees, applications for private schools have soared, but so have their prices.

On average, parents can expect to pay about €4,000 a child a year for private school. If you include transition year, this brings the cost up to €24,000 a child for secondary school only, or €56,000 for both primary and secondary.

On top of the aforementioned everyday expenses, this would bring your expenses up to €78,000 – all before university!

At present, there is no charge for third-level education in Ireland, apart from a registration fee. However, at

If these fees are introduced across the board for Irish students and you don’t qualify for a grant, the cost of attending university for a child living away from home will jump to €60,000 over the course of four years.

So, to educate a child all the way up to third level will cost you almost €60,000. If your child is educated privately, you can double that figure and if third-level fees are reintroduced, you can add anywhere from between €26,000 to €51,000 depending on the course pursued.

HOW MUCH DO I NEED TO SAVE? When it comes to putting money aside for your children’s education, two things are key – starting early and saving consistently.

The best place to start is with child benefit, although this has become less attractive of late. The current rate for child benefit is €166 a child a month for the first two children, rising to €203 a month for any further children, but from January of next year, children aged 18 will no longer qualify.

Moreover, the Government is considering either taxing or means-testing child benefit and it is also phasing out the early childcare supplement of €1,000 this year.

Nevertheless, for a family with one child, saving this amount each month from the time the child is born and get a return on your money of 4 per cent, you will have a nest egg of some €52,000 by the time the child is 18 – almost enough to pay for college, even if fees have been reintroduced.

Of course, you will have to index-link your monthly contributions to keep up with inflation (because this isn’t something that will concern the Government in the short-term!) to ensure that you keep up with the rising costs of education, and you will also have to deduct Dirt at 23 per cent from interest earned on the account.

If you take more risks with your investment and manage to achieve an average return of 8 per cent per year, then your nest-egg will be closer to €80,000.

WHAT SHOULD I INVEST IN?

However, at the end of each year the savings and interest are swept into a different account, where the lump sum earns interest at just 0.5 per cent.

The difference between saving child benefit every month and earning a rate of return of 4 per cent compared to 1 per cent over 18 years is a whopping €12,900. So it pays to keep shopping around for the best rates.

While deposit accounts may be best suited to parents with older children, if your children are very young you might do better by investing in the stock market.

To avoid a situation faced by many people today who can not liquidate their share holdings because of the massive drop in values, it is generally advised to only invest funds in the stock market that you don’t need access to for at least five years.

So, if you have a baby, you could save for their college funds in the stock market until they are about 13, and then switch over to a safer deposit account.

How do I choose an investment that is right for me?

As an investor, you want to achieve the highest possible return at a level of risk that suits you. The key is finding a balance between the amount of risk you are willing to take and the potential returns you want to achieve.

There are four main asset classes you can invest in, these include Cash (ie.deposit accounts mentioned above) Equities (stocks and shares), Property and Bonds (ie.post office bonds etc).

By dealing with a local broker who has access to all the different investment options above, you can be assured you are getting the most independent and best advice available for your childrens education.

Eamonn Walsh is regulated by the financial regulator as an Authorised Advisor and Mortgage intermediary and can be contacted at 086-0471147 or info@ewalsh.ie 15 Bank St,Templemore.

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Sudoku

The Things That Drive a Sane Person Mad You have to try on a pair of sunglasses with that stupid little plastic thing in the middle of them.

The car behind you blasts its horn because you let a pedestrian finish crossing.

The person behind you in the supermarket runs his cart into the back of your ankle.

A piece of foil candy wrapper makes electrical contact with your filling (or braces).

The elevator stops on every floor and You set the alarm on your digital nobody gets on. clock for 7pm instead of 7am.

There's always a car riding your tail when you're slowing down to find an address.

You open a can of soup and the lid falls in.

There's a dog in the neighborhood that barks at EVERYTHING. You can never put anything back in a box the way it came.

Your tire gauge lets out half the air while you're trying to get a reading.

A station comes in brilliantly when you're standing near the radio but buzzes, drifts and spits every time you move away.

There are always one or two ice cubes that won't pop out of the tray.

You wash a garment with a tissue in the pocket and your entire laundry comes out covered with lint.

The Miraculous Prayer – Dear Heart of Jesus, in the past I’ve asked for many favours. This time I ask You this very special one (mention favour).

Take it Dear Heart of Jesus and place it within Your own broken heart where Your Father sees it. Then in His merciful eyes it will become Your favour, not mine. Amen. Say this prayer for 3 days, promise publication and favour will be granted. Never known to fail. S.O.D. The Miraculous Prayer – Dear Heart of Jesus, in the past I’ve asked for many favours. This time I ask You this very special one (mention favour).

Take it Dear Heart of Jesus and place it within Your own broken heart where Your Father sees it. Then in His merciful eyes it will become Your favour, not mine. Amen. Say this prayer for 3 days, promise publication and favour will be granted. Never known to fail. B.H. The Miraculous Prayer – Dear Heart of Jesus, in the past I’ve asked for many favours. This time I ask You this very special one (mention favour).

Take it Dear Heart of Jesus and place it within Your own broken heart where Your Father sees it. Then in His merciful eyes it will become Your favour, not mine. Amen. Say this prayer for 3 days, promise publication and favour will be granted. Never known to fail. C.O.M.

The radio station doesn't tell you who sang that song.

9

5 8 1 7 3 4 4 7 2 5

4 9 2 8 3 2 7 6

You rub on hand cream and can't turn the bathroom doorknob to get out.

People behind you on a supermarket line dash ahead of you to a counter just opening up.

Your glasses slide off your ears when you perspire.

3 9 6 1 2

The Greatest Benefits of Being Over 40...

Your joints are more accurate meteorologists than the national weather service.

You have a party and the neighbors don't even realize it.

People call at 9 PM and ask, "Did I wake you?"

You no longer think of speed limits as a challenge.

You can't look up the correct spelling of a word in the dictionary bePeople no longer view you as a hycause you don't know how to spell it. pochondriac.

You have to inform five different sales people in the same store that you're just browsing.

There is nothing left to learn the hard way.

You can eat dinner at 4 P.M. You had that pen in your hand only a second ago and now you can't find it. You enjoy hearing about other peoples operations.

You reach under the table to pick something off the floor and smash You get into heated arguments about your head on the way up. pension plans.

A Prayer to The Virgin Mary (Never known to fail) - O most beautiful Flower of Mount Carmel, fruitful vine, splendour of heaven, Blessed Mother of the son of God, Immaculate Virgin assist me in this my necessity. O Star of the Sea help me and show me herin you are my Mother. O Holy Mary Mother of God, Queen of Heaven and Earth, I humbly beseech you from the bottom of my heart to succour me in this my necessity (make request).

There are none that withstand your power.

O show me my Mother. O show me herin you are my mother. O Mary conceived without sin pray for us who have recourse to thee (3 times). Say this prayer for 3 consecutive days and then publish and it will be granted. C.O.M. The Miraculous Prayer – Dear Heart of Jesus, in the past I’ve asked for many favours. This time I ask You this very special one (mention favour).

Take it Dear Heart of Jesus and place it within Your own broken heart where Your Father sees it. Then in His merciful eyes it will become Your favour, not mine. Amen. Say this prayer for 3 days, promise publication and favour will be granted. Never known to fail.

The Miraculous Prayer – Dear Heart of Jesus, in the past I’ve asked for many favours. This time I ask You this very special one (mention favour).

8

Take it Dear Heart of Jesus and place it within Your own broken heart where Your Father sees it. Then in His merciful eyes it will become Your favour, not mine. Amen. Say this prayer for 3 days, promise publication and favour will be granted. Never known to fail.

The Miraculous Prayer – Dear Heart of Jesus, in the past I’ve asked for many favours. This time I ask You this very special one (mention favour).

Take it Dear Heart of Jesus and place it within Your own broken heart where Your Father sees it. Then in His merciful eyes it will become Your favour, not mine. Amen. Say this prayer for 3 days, promise publication and favour will be granted. Never known to fail.

The Miraculous Prayer – Dear Heart of Jesus, in the past I’ve asked for many favours. This time I ask You this very special one (mention favour).

Take it Dear Heart of Jesus and place it within Your own broken heart where Your Father sees it. Then in His merciful eyes it will become Your favour, not mine. Amen. Say this prayer for 3 days, promise publication and favour will be granted. Never known to fail.A.O.B. A Prayer to The Virgin Mary (Never known to fail) - O most beautiful Flower of Mount Carmel, fruitful vine, splendour of heaven, Blessed Mother of the son of

You quit trying to hold your stomach in, no matter who walks into the room.

You sing along with elevator music.

Your eyes won't get much worse.

Your investment in health insurance is finally beginning to pay off.

You can't remember who sent you this list.

God, Immaculate Virgin assist me in this my necessity. O Star of the Sea help me and show me here-in you are my Mother.

O Holy Mary Mother of God, Queen of Heaven and Earth, I humbly beseech you from the bottom of my heart to succour me in this my necessity (make request).

There are none that withstand your power.

O show me my Mother. O show me herin you are my mother. O Mary conceived without sin pray for us who have recourse to thee (3 times). Say this prayer for 3 consecutive days and then publish and it will be granted. P.R. The Miraculous Prayer – Dear Heart of Jesus, in the past I’ve asked for many favours. This time I ask You this very special one (mention favour).

Take it Dear Heart of Jesus and place it within Your own broken heart where Your Father sees it. Then in His merciful eyes it will become Your favour, not mine. Amen. Say this prayer for 3 days, promise publication and favour will be granted. Never known to fail.F.C.

Prayers: €7.50 Initials:______ Miraculous Novena Other____________

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Abuse

by Jim O Shea

(Continued from previous issue)

1. One partner abuses and the other doesn’t

Emotional/Psychological Abuse

2. One partner began abusing the other, and the other partner chose to retaliate

Emotional abuse, which is rarely reported, is not easy to define or understand, and, as Beverley Engel, in her wonderful book The Emotionally Abusive Relationship, points out, most victims of emotional abuse don’t realise that they are being abused even when their self-esteem and self-confidence is being eroded. There is no universally accepted definition of emotional abuse. One definition shows it as any nonphysical behaviour or attitude that controls, intimidates, subjugates, demeans, punishes or isolates another person by using degradation, humiliation or fear. Another sees it as an ongoing pattern of behaviour designed to control, manipulate and subjugate another that usually occurs behind closed doors.

3. From the beginning of the relationship, both partners have emotionally abused each other on an ongoing basis

A third definition shows is as any behaviour that exploits another’s vulnerability, insecurity, or character. It has also been defined as behaviour that seeks control of the thoughts, beliefs and conduct of a partner, and a tendency to punish a partner for resisting control. It is a behaviour that includes continuous degradation, intimidation, manipulation, brainwashing, or control of another to the detriment of the individual. One important consideration is that abuse is abuse even if it is not intentional.

Research shows that it very prevalent and destructive. It is almost psychological murder, and deprives the victim of selfrespect and self-love. It makes the victim feel unlovable and unworthy. It diminishes the other person’s dignity, self-worth, and even identity, and it is like psychological disintegration. The psychological abuser dismantles the emotional and psychological structure of the victim. It is akin to brainwashing in which the will of the victim is subsumed into that of the abuser. It usually follows a pattern and generally gets worse. All abuse contains elements of emotional abuse.

4. It is not clear who is abusing whom 5. One partner sets up the other to become emotionally abusive.

6. One partner is abusive due to a mental illness or personality disorder 7. One or both partners has an abusive personality.

There is a wide range of emotional abuse behaviours, which dehumanises those subject to it. Overall it involves rejecting, degrading, terrorising, isolating, corrupting, exploiting and denying emotional responsiveness. In rejecting their victim’s humanity and value, abusers treat their targets as if they do not exist, and dismisses them as worthless; ignoring and rejecting them. They do everything they can to take away their power. They can terrorise their victim and instil fear into them through intimidation and threats.

Such abusers isolate their victims, and restrict their normal interaction with others, including their own family. They may refuse to socialise with their victim, control the money and makes all the decisions. Such abusers are adept at instilling fear, for example, by threatening to abandon the victim, or telling the victim to leave, sometimes using sexualised language.

Continued in next issue)

Jim O’Shea works as a counsellor from Furze, Thurles. Ph. 087 8211009 www.jimoshea.net .

JimO’Shea’s book ‘When a child dies.

Footsteps of a

Beverley Engel maintains that there are seven types of emotionally abusive relationships. I will merely list them here and if any reader wishes to read more deeply about them then they should get her book The Emotionally Abusive Relationship:

Grieving Family’ is published by Veritas. The royalties from this book will go tosthe Children’s Hospital in Crumlin.