Additional costs when buying a property

This week we are going to look at some of the additional costs one should budget for when buying a property and things to look out for.

When you are lucky enough to have found your dream home and have an offer accepted, your new mortgage will certainly be the biggest item coming out of your bank account but there are other costs that you just need to keep in mind so there are no surprises.

Legal Fees

As soon as you receive ‘Approval in Principle’ from your lender, you will need to choose a solicitor to help you purchase the property. Once an offer has been accepted for your new home, the selling agent will request your solicitor’s details. Your solicitor will conduct all the legal tasks to transfer ownership of the property to you. Your legal costs will vary depending on the solicitor and the price of the property but should be clearly set out from the outset.

Property Tax

Local Property Tax is an annual self-assessed tax charged on the market value of all residential properties in Ireland. It came into effect on 01st July 2013 and is collected by the Revenue Commissioners. Property Tax will need to be paid on your new home. It is a good idea to budget this into your monthly/yearly spending. Property tax is calculated on your property value and location.

MORTGAGE PROTECTION (MORTGAGE LIFE INSURANCE)

Mortgage Protection cover assures your lender that if you die before you’ve finished your repayments, your mortgage loan will be repaid in full. It is there to protect both the lender and the customer and is required by the Consumer Protection Code for all applicants that purchase a non-investment property, unless they are over the age of 50. There are some exceptions to this but as a rule of thumb, you will need to be prepared to budget for the additional fees each month. As with legal fees above, prices will vary across the board depending on your own personal circumstances.

Home Insurance

Of course, in the excitement of buying your new home the very thought of fires or floods will not be on your radar but home insurance is an essential add-on. It is required for all purchases. Prices on home insurance will vary depending on the policy type, the rebuild value of your property and location.

THE VALUER’S REPORT

As soon as you request drawdown of your mortgage, lenders will look for a guarantee that you’re paying a fair price to the seller, and that this price matches the value of the home. This protects both you and the lender. Lenders will have their own registered panel of valuers from which to choose to conduct the property valuation.

Yet another tax! Stamp Duty is a government charge on your home transaction and is calculated on the price paid for your house. The rate of stamp duty chargeable on a residential home purchase is 1% on the value of the property up to a value of €1m and 2% on anything in excess of €1m. This is a charge that should be budgeted for before purchasing your property.

REA Coyne & Culloty

2 Main St, Killarney

E: info@rea.ie

T: 064 663 1274

Ted Healy

11 New St, Killarney

E: killarney@dng.ie

T:064 639000

Billy Hennigan Auctioneers

66 New St, Monearmore, Killarney,

E: info@henniganauctioneers.com

T: (064) 663 4582

Property Partners Gallivan Killarney Business Centre, High St., Killarney, Co Kerry

E: killarney@propertypartners.ie

T: 064 6634177

Sherry Fitzgerald Coughlan

95 New St, Killarney

E: info@sfmc.ie

T: 064 663 1892

Its4rent.ie

Property Letting & Management Agent, Killarney Business Centre, Upper High St, Killarney

T: 064 6634177 • E: info@its4rent.ie

David O’ Driscoll Muckross Road, Killarney

E: info@dodriscoll.com

T: 087 795 8386

Maine Valley Property Old Chapel Lane, Milltown, Kerry

E: info@mainevalleyproperties.com

T: 066 9765577 or 087 6738210

All Ireland Properties Main Street, Rathmore, Kerry

E: allirelandproperties@gmail.com

T: 087 243 8182

TO LET: 3-bedroom house, 2-ensuite, newly refurbished in Killarney town centre. Call 089 4169215 or email: mairebarrys13@ gmail.com

TO LET: 1-bedroom apartment, for Longterm rent in the Muckross area, 5kms from Killarney town centre. Suitable for couple or single person. Telephone 087 9662544 for viewing.

TO LET: Superb A rated home - very private

Classifieds

WANTED

WANTED: Looking for an experienced childminder to mind a 1-year-old and 5-year-old in our home or someone else's home. 4 days a week. Would need drop off and collections. Call 085 1224742.

FOR SALE

FOR SALE: Dry, seasoned, Shed stored Ash, Oak and Beech hardwood. Selling by the lorry load. Contact 087 4475230.

FOR SALE: House Being Renovated - All must go: Double glazed PVC Windows & Doors, Roofing Materials, Couches and Fridge/ family home in Fossa, with full mountain and lake views. Available for 6 to 9 months from 1st August. Includes 4 bedrooms, 2.5 bathrooms and huge kitchen/diner. €2500 pcm. Call 083 1477494.

TO LET: Rooms to rent in Tralee town. Contact 087 2944505.

TO LET: Room in house share in Woodlawn, Killarney. €130 all included. Tel 089 4717500.

Freezer. Call 087 2802669 for more details. FOR SALE: Brown Leather Chaise Longue in very good condition. Dimensions L5ft x W2ft. Collection only, Kilcummin area. €600 ONO. Contact 087 7414538.

AVAILABLE

AVAILABLE: MUSIC LESSONS - piano, violin, fiddle, guitar, banjo. Garda vetted. Leaving Cert Music grinds and Online Option also available. Tel John: 087-6801392 or Maggie: 087-6961681.

AVAILABLE: Landscaping & Maintenance Service - Grass and hedge cutting, over- growth clearance, power washing, Micro/ Mini digger with driver, new lawn layout, patios, kerbing, fencing etc. Tel: Darragh 087 9118357.

TO LET: 1-bedroom apartment in Beaufort, on main Killarney/Killorglin Road. Newly refurbished, fully furnished, parking available. Contact 087 7998087.

TO LET: 2-bedroom apartment in the Avenue Apartments, Killarney. Phone 086 8136888.

TO LET: Room to let, 10-minute walk from Killarney town centre. Suitable for hotel staff.

AVAILABLE: Fibre broadband available in your area but having trouble getting connected. We can help. Call (087) 4660015.

AVAILABLE: A professional lady cleaner available for House Deep Cleaning, in Killarney and surrounding areas. Garda vetted, experienced and own transport. Contact me on 089 2363021.

AVAILABLE: Male carer, Garda vetted, experienced and also House / BNB cleaning services. Killarney and surrounding areas - I have my own transport. References on request. Call 083 0964532.

Telephone 087 2484804.

WANTED: Houses and apartments to rent in the Killarney area.

Contact 086 8136888.

WANTED: Wanted to buy. Family home with garage and garden in Killarney. Call 086 3082899.

AVAILABLE: Temp Chef available. Telephone 089 4464865.

ANIMALS

ANIMALS: HUG: Homes for Unwanted Greyhounds. For further details please contact us on 087 6932090 or email info@homesforunwantedgreyhounds.ie

ANIMALS: KLAWS (Kenmare and Locality Animal Welfare Society) We have several adult cats (all colours) awaiting homes. 087 9729240 or 087 9704480.

ACROSS

1.

5.

DOWN

1. Powder mineral

2. Range

3. Deceiver

4. Old West lawman

5. Eye part

6. Ease up

Opposite

Tinter

Tax

Each recovery session takes 1 hour and involves clients moving around our recovery room using our recovery equipment. Start by taking the plunge in our CryoSpa ice bath, followed by a relaxing dip in our Hot Tub. Next up us our 60 degree Infrared Sauna. Finish up with a cup of tea or coffee and 30 minutes of a pulse leg massage in our NormaTec Compression Boots.

ACKNOWLEDGEMENT & 1ST ANNIVERSARY PHILLIPS

In loving memory of Eddie Phillips Killarney and Thurles

Who left this world on 16th May 2022.

As we lovingly remember Eddie, so dearly missed by his wife Joan and family. We would like to express our sincere gratitude to all those who helped and supported us during that difficult time.

We want to take this opportunity to thank all those that sympathised with us, sent mass cards, took the time to write letters of sympathy, send online condolences and to all who attended the funeral home, requiem mass and cremation, some travelling great distances.

Thank you to Dr. Gary Stack and his team for the care and compassion shown to Eddie over the years. To Dr. Sheehan and all the staff at Kerry Palliative Care who gave us valuable time to enjoy Eddie’s last few days with amazing dignity and care.

To Claire and Majella, from home help and Karen Moore, who assisted Eddie in the early days of caring for Joan.

To Mary and all the staff of Rockmount Day Centre who also supported Eddie in the care Joan and continue to support us each day.

A special thank you to Fr. Jim Lenihan for all his help in preparing for Eddie’s funeral Mass. To Aidan & Sean Moynihan for the beautiful music, to Eamon Mulvihill for the wonderful mass booklets and Mary & Mike O’Shea and their team for all their professional services provided throughout the funeral process.

We are so grateful for ladies of the “Kitchen team” who swopped in and took over the catering needs of the many visitors. We are also so grateful to Joan’s sisters & family who continue to rally round Joan and us, we know how much it meant to Eddie in the final days knowing ye would be there in his place.

Eddie’s passing caught many people off guard, and we are deeply grateful to the many people who continue to stop and share stories and tales of their times with Eddie, it gives us all so much comfort and peace. Dad, Harold may never have said it outloud but we know you how much he loved your friendship.

As a token of appreciation, the sacrifice of the mass has been offered for the intentions of all those mentioned as well as those impossible to mention.

First Anniversay Mass for Eddie will be Friday 12th May 2023 at 6.30pm in St. Mary’s Cathedral, Killarney.

May he Rest in Peace.

Miracle Prayer

Dear Heart of Jesus, in the past I have asked You 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 Heart where Your Father sees it. Then, in His merciful eyes it will become Your favour not mine. Amen. Say for three days, promise publication and favour will be granted. KOC

1st Anniversary Phillips

In loving memory of Eddie Phillips Killarney and Thurles

Who left this world on 16th May 2022.

My angel up in heaven I wanted you to know I feel you watching over me everywhere I go.

I wish you were with me but that can never be Memories of you in my heart that only I can see.

My angel up in heaven I hope you understand that I would give anything if I could hold your hand.

I’d hold you oh so tightly and never let you go and all the love inside of me to you I would show.

My angel up in heaven for now, we are apart You’ll always live inside of me deep within my heart.

Deeply Loved and sorely missed your loving wife Joan.

1st Anniversary

PHILLIPS

In loving memory of Eddie

Phillips Killarney and Thurles

Who left this world on 16th May 2022.

In my heart there is an ache that never seems to go away For every passing day I miss the love and warmth my father gave. He was my rock my guiding light My mentor, and my friend And now that he is gone from sight My heartache never ends.

I miss his hugs, his gentle voice And the way he always knew Just what to say to make me smile And chase away the blues.

I miss the sound of his laughter and the twinkle in his eye

His unwavering support and the endless songs and stories

I’d love to hear just one more time. But though he is gone He lives forever in my heart And every time I close my eyes We are never far apart.

So, here’s to you my dearest Dad I miss you more each day And though I can’t hold you close Your love is here to stay.

Deeply missed and never forgotten Emma & Pat.

ST. THERESA

St. Theresa the Little Flower, please pick me a rose from thy heavenly gardens and send it to me with a message of love. Ask God to please grant me the favour I thee implore and tell him I will love him each day more and more. Amen.

1st Anniversary

PHILLIPS

ACKNOWLEDGEMENT & 1ST ANNIVERSARY CREMIN

In loving memory of Eddie Phillips Killarney and Thurles

Who left this world on 16th May 2022.

Don’t remember me with sadness

Don’t remember me with tears

Remember all the laughter

We’ve shared throughout the years.

Now I am contented

That my life it was worthwhile

Knowing that I passed along the way I made somebody smile.

When you are walking down the street

And you got me on your mind

I’m walking in your footsteps

Only half a step behind.

So please don’t be unhappy

Just because I’m out of sight

Remember that I’m with you Each morning, noon, and night.

Your passing is felt every day Dad.

Your son Eddie Jnr, daughter Eleanor, daughter-in-law Mags and your grandsons Oisin & Daibhain.

10TH ANNIVERSARY

O’LEARY In loving Memory of Betty O’ Leary

Gort Mhuire, Cork Road, Killarney

Who died on 6th May 2013

We also remember her loving husband Sean Who died on 18th February 2006.

Never more than a thought away Loved and remembered every day.

Remembered always by your sons, daughters, sons-in-law, daughters-in-law and grandchildren.

10TH ANNIVERSARY CASEY

In loving memory of Mary (Min) Casey Dirreen House, Dunrine, Tralee Road, Killarney

Who passed away on 13th May 2013.

The happy hours we once enjoyed How sweet their memory still But death has left a vacant space This world can never fill. Fondly remembered by all your Family and Friends.

Jesus

May your Sacred Heart Lord Jesus, be praised, glorified and honoured throughout the whole world now and forever. Repeat this 3 times. MM

In loving memory of Timmy Joe Cremin Torc, Muckross, Killarney

Who passed away on 14th May 2022.

As we lovingly remember Timmy Joe on his first anniversary, we his family would like to express our sincere gratitude and appreciation to all those who helped & supported us in our sad loss.

We would like to take this opportunity to thank all those that sympathised with us, sent mass cards, phone calls, online condolences, travelled long distances and to all who attended the funeral home, requiem mass and burial.

We wish to thank Fr. Niall Howard and Fr. Paddy O Donoghue for the beautiful and meaningful funeral mass and Fr. Paddy for the rosary and grave side prayers.

A special word of thanks to Dr. Barry Moynihan and all the staff in the Stroke Unit, KUH and to Dr. Margaret Clifford and all in the Pallative Care Unit, KUH.

We would like to thank O Shea’s funeral directors for their sensitive and professional handling of arrangements.

A word of thanks to all our neighbours and work colleagues at Muckross who lined the road as we brought Timmy Joe from his beloved Torc on his final journey.

As it would be impossible to thank everyone individually, please accept this acknowledgement as an expression of our deepest gratitude.

The Holy Sacrifice of the mass has been offered for your intentions.

First Anniversary Mass is being offered on Sunday 14th May 2023 at 9.30am in Muckross Church.

1st Anniversary Cremin

In loving memory of Timmy Joe Cremin Torc, Muckross, Killarney Who passed away on 14th May 2022. After Glow

I’d like the memory of me

To be a happy one

I’d like to leave an afterglow of smiles When life is done.

I’d like to leave an echo whispering Softly down the ways Of happy times and laughing times And bright and sunny days.

I’d like the tears of those who grieve To dry before the sun Of happy memories that I leave When life is done.

Loved and remembered everyday by your wife Maura & daughter Majella.

ACKNOWLEDGEMENT & 1ST ANNIVERSARY FITZGERALD

In loving memory of Michael John Fitzgerald Moulagow, Rathmore, Co Kerry

Who passed away on 17th May 2022.

As we approach Michael John’s first anniversary, his wife Catherine, sons Mossie, Dermie, Den, Mikey, Kieran and Shane, together with their families, wish to thank most sincerely all those who sympathised with us on the sad loss of Michael John.

We express our deep appreciation to all who called to our home, attended Michael John’s wake and funeral Mass and to those who travelled long distances to be with us. Our thanks to everyone who lined the route from his home to the funeral home and church, it is greatly appreciated.

Thanks to all who sent mass cards, perpetual enrolments, texts, phone calls and online condolences. Many thanks to everyone who brought food and refreshments to our home, it is very much appreciated. Your kindness will never be forgotten.

Sincere thanks to those who helped with Michael John’s care over the last few years, Dr Casey and his team, Public Health Nurses, Peggy and David at Reen’s Pharmacy, to each and every one of his Home Helps for their kindness and attention shown to Michael John over the past number of years.

Our thanks to the paramedics, Sgt Paul Lynch and Gda Gary Kingston who attended our home on the morning of Michael John’s passing.

Many thanks to friends and neighbours who helped with traffic management in Rathmore and Shrone.

A special word of thanks to the staff of St Joseph’s Day Centre for their help and support during the days of the funeral, it is deeply appreciated.

We would like to thank Michael John’s former work colleagues at MC Group for their lovely guard of honour. He would have been so proud.

Thanks to Fr Pat for saying the funeral mass and prayers at the burial and for his support during and after the funeral.

Thanks to Paud & John O’Donoghue and Mike Cronin for the lovely music and hymns, it greatly enhanced the liturgy. Thanks to sacristan, Bridie O’Sullivan for the help with the Mass.

Heartfelt thanks to Seán O’Mahony, Funeral Directors, for his efficient, dignified and sensitive approach in arranging Michael John’s funeral. Thanks to the gravedigger, Paul Nagle, for preparing Michael John’s final resting place.

Our thanks to management and staff of the Bridge Bar for the catering and Denis & Tim McCarthy for providing the food after the funeral Mass.

As it would be impossible to thank everyone individually, please accept this acknowledgment as a token of our gratitude.

The Holy Sacrifice of the Mass will be offered for your intentions.

“In the hearts of those who loved you You will always be there.”

Michael John’s 1st Anniversary Mass will take place on Friday 19th May at 7.00pm in Shrone Church.

3RD

Anniversary

CONSIDINE (NEE BURROWS)

In loving memory of Maria Considine (nee Burrows) Woodlawn Park, Killarney Who sadly passed away on 18th May 2020.

God called your name so softly That only you could hear And no one heard the footsteps Of angels drawing near.

The golden gates stood open God saw you needed rest His garden must be beautiful He only takes the best.

Sadly missed and always remembered by her husband Frank and daughters Karen, Clare and Deirdre, grandchildren and all family members.

Anniversary Mass is on Sunday 21st May at 12 noon in St Mary’s Cathedral, Killarney.

5TH ANNIVERSARY

AHERN

In loving memory of A dear husband, dad and grandad Mick Ahern Dunrine, Killarney

Who died on 17th May 2018.

You always had time to share A laugh, a joke and time to care A wonderful nature, warm and true These are the memories we have of you.

Forever remembered with love until we meet again by your loving wife Anne, daughters Rose and Martina, sons Michael, John, Pat, Paul, Ray and Eamonn, daughters-in-law, sons-in-law, grandchildren, brother, sisters and many friends.

6TH ANNIVERSARY

MANGAN

3rd Anniversary

DENNEHY

In loving memory of Con (Neil) Dennehy

Late of Castleknock, Dublin, and Late of Kilbrean, Killarney Who died on 16th May 2020.

Treasured memories keep you near As time unfolds another year

Out of our lives you may be gone

But in our hearts you still live on.

Always remembered and sadly missed by Tim, Mary, Kelsey, Patrick, and Julianne.

4th Anniversary Griffin

In loving memory of Neilus Griffin

Late of Pinewood Estate, Killarney

Who sadly left us 10th May 2019.

Remembering you is easy We do it every day But missing you is a heartache That never goes away.

We hold you tightly within our hearts And there you will remain Until the joyous day arrives That we will meet again.

Sadly missed every day by his wife Mary, son John, daughters Diane, Siobhan and Ashlinn, and grandchildren Ellie, Kai, Beau, Layla, Harper and Jack.

Birthday Remembrance

CROWLEY

Birthday Remembrance of Tim Crowley

Late of Knockancore, Kilcummin

Whose birthday occurs on 18th May.

Will those who think of him today

A little prayer to Jesus say.

1ST ANNIVERSARY L’ESTRANGE

In loving memory of Paul L’estrange

51 Rossdara, Killarney

Who passed away on 9th May 2022.

We think about you always We talk about you still You have never been forgotten And you never will.

Sadly missed and always remembered by uncle Teddy, Mary, Tara and Rory.

1ST ANNIVERSARY L’ESTRANGE

In loving memory of Paul L’estrange 51 Rossdara, Killarney

Who passed away on 9th May 2022. Those special memories of you Will always bring a smile If only I could have you back For just a little while.

Then we could sit and talk again Just like we used to do You always meant so very much And always will do too.

The fact that you’re no longer here Will always cause us pain But you’re forever in our hearts Until we meet again.

Always loved and remembered by Aunty Sheila and James, and your cousins Jacqueline, Sharon, Sandra, Allison, Siobhan & Patricia and their families.

14 Cuimhneach N Cotter

I gcuimhne ár mbuachaillín agus ár múirnín, Aodh.

I’ll see you in my dreams

In loving memory of Jeremiah Mangan, Beaufort Village, Killarney Who died on 13th May 2017.

Time cannot steal the treasures That we carry in our hearts Nor ever dim the shining thoughts Our cherished past imparts.

For the memories of the ones we loved Still cast a gentle glow To grace our days and light our paths Wherever we may go.

Always loved and remembered by Your loving wife Noreen, daughters Fiona, Noreen, Rosemary and Geraldine, son Michael, sons-in-law Gary and Mike, and grandchildren Jeremiah, Gerry, April, Robyn, Sean, Rozlyn and Jackson.

Lovingly remembered by his daughters Eileen, Mary and Katie, grandchildren Padraig, David and Shannon, son-in-law Al, partners, and great grandchildren.

Novena To The Holy Spirit

O Holy Spirit, you who solve all problems, light all roads so that I can attain my goal. You gave me the divine gift to forgive and forget all evil against me and that in all instances of my life you are with me. I want in this short prayer to thank you for all things you have given me as you confirm once again that I never wanted to be separated from you in spite of all material illusions. I wish to be with you in Eternal Glory. Thank you for mercy towards me and mine. This prayer must be said for three days, after three days the favour will be granted. MB

When all our summers have come to an end

I’ll see you in my dreams

We’ll meet and live and laugh again

I’ll see you in my dreams Yes up around the river bend For death is not the end And i’ll see you in my dreams.

Ó Mhamaí, Daidí, Senan, Etaoin, Ultan agus Siún.

NOVENA TO ST. JOSEPH

O Glorious St. Joseph, Faithful father of Jesus to you do we raise our hearts and hands to implore the Sacred Heart of Jesus all the helps and graces necessary for our special favours. Especially the grace of a happy death and the special favours we now ask. St. Joseph pray for us. BOS

14th Anniversary Follin

In loving memory of Vincent Follin

Late of 61 Park Drive, Killarney

Who passed away on 13th May 2009.

Fondly remembered by his wife Maureen, daughters Carmel and Susan, sister Maureen, relations and friends.

26TH & 4TH ANNIVERSARIES

NAGLE

In Loving memory of Our dear parents Sonny & Noreen Nagle

Late of Gortdarrig, Headford, Killarney Who passed away on 15th May 1997 & 18th June 2019. R.I.P.

Ye left us beautiful memories Your love forever our guide And although we cannot see ye Ye will always be by our side.

Sadly missed & always remembered by your loving family.

Sonny & Noreen’s Anniversary Mass is on Sunday 13th May at 6pm in Shrone Church.

24th Anniversary

HEALY

In loving memory of Michael H. Healy

Late of Annebeg, Glenflesk

Who passed away on 11th May 1999.

We lost a father with a heart of gold

How much we miss him

Can never be told

He shared our troubles

And helped us along

If we follow his footsteps

We will never go wrong.

Always loved and sadly missed by your daughter Joan and family.

NOVENA TO ST. CLAIRE

Ask St. Claire for 3 favours, one business, two impossible and say nine Hail Mary’s for nine days with lighted candle. Pray whether you believe or not. Publish on ninth day. Powerful Novena. May the sacred heart of Jesus be praised, adored, glorified and loved today and every day throughout the whole world forever Amen. Say six times daily for nine days. Your request will be granted no matter how difficult it may seem. Favour publication must be promised. KN

Novena To The Sacred Heart

You have said, O Divine Jesus, who said, ”Ask and you will receive, Seek and you will find, Knock and it will be opened to you.” Relying on these promises, I come with confidence during this Novena to beg of you the favours that I need: Amen. DG

24TH & 40TH ANNIVERSARIES

HEALY

In loving memory of Michael & Hannie Healy

Late of Aneebeg, Glenflesk, Killarney

Michael who died on 11th May 1999

Hannie who died 26th February 1983.

R.I.P.

Gone are the days we used to share

But in our hearts you are always there

The gates of memories will never close We miss you more than anyone knows.

Always remembered by your son Michael, Marie and Family.

Anniversary Mass is on Saturday 13th May at 6pm in St. Agatha’s Church, Glenflesk.

NOVENA TO ST. CLAIRE

Ask St. Claire for 3 favours, one business, two impossible and say nine Hail Mary’s for nine days with lighted candle. Pray whether you believe or not. Publish on ninth day. Powerful Novena. May the sacred heart of Jesus be praised, adored, glorified and loved today and every day throughout the whole world forever Amen. Say six times daily for nine days. Your request will be granted no matter how difficult it may seem. Favour publication must be promised. JOR

St. Theresa the Little Flower, please pick me a rose from thy heavenly gardens and send it to me with a message of love. Ask God to please grant me the favour I thee implore and tell him I will love him each day more and more. Amen.

36TH ANNIVERSARY O’BRIEN

In loving memory of Tadgh O’Brien

Late of Ballycasheen, Killarney

Who died on 13th May 1987. If memories bring us close We are never far apart For you are always with us In our prayers and in our hearts.

Your name is often mentioned We talk about you still You have never been forgotten And you never will.

God bless you Tadgh Till we meet again.

Sadly missed by his sister, brothers, sisters-in-law, brother-in-law, nephews and nieces.

Novena To The Sacred Heart

Dear Heart of Jesus in the past I have asked for many favours. This time I ask you this special one, (mention favour). Take it dear heart of Jesus and place it within your heart where your Father sees it. Then in his merciful eyes it will become your favour not mine. Amen. Say this prayer three times for three days and your favour will be granted. Never known to fail. Must promise publication of prayer. RF

May your Sacred Heart Lord Jesus, be praised, glorified and honoured throughout the whole world now and forever. Repeat this 3 times. MS