EVERY MORNING, TheJournal.ie brings you the stories you need to know as you start your day.

1. #TENSIONS: The United States has pledged a ’massive military response’ to threats from North Korea following the state’s nuclear test yesterday.

2. #OVERCHARGING: The Financial Services Ombudsman has said that the tracker mortgage scandal has shown that some banks are more concerned with profit than their customers.

3. #GARDASIL: Junior health minister Finian McGrath has been branded “dangerous and irresponsible” by the Irish Cancer Society for a Dáil question he asked about the HPV vaccine.

4. #AFFORDABLE CHILDCARE: A number of creches around Ireland are introducing a hike in fees at the same time that a new childcare subsidy is due to take effect.

5. #CASH OUT: Gardai investigating organised crime seized over €800,000 in cash following a number of searches in Kildare at the weekend.

6. #NUCLEAR RISK: A government assessment of Ireland’s risk-level from a nuclear disaster has shown the country is at a low risk.

7. #NO WATER: Works are ongoing to repair supply problems that have left thousands without water in Kerry.

8. #FOURTH TERM?: German Chancellor Angela Merkel faced off against her main rival in a TV debate last night ahead of an election later this month.

9. #GOING WEST: Galway is preparing for a champions’ homecoming after the county’s hurling team won the All-Ireland for the first time in 29 years.