Ronaldo ends Wales’s Euro fairytale with record goal

first_imgLyon, France | AFP |Cristiano Ronaldo made European Championship history as Portugal ended Wales’s extraordinary Euro 2016 journey with a 2-0 semi-final win on Wednesday that sent them into the final. Missing the suspended Aaron Ramsey, they failed to test a Portugal team who had not previously won inside 90 minutes at the tournament.But having reached the last four in their first major competition since the 1958 World Cup, Chris Coleman’s side and their red-shirted fans leave France with their reputation enhanced.West Ham United defender James Collins got the nod for Wales in place of the suspended Ben Davies and he coped manfully with the threat posed by Ronaldo in the first half, although he was perhaps fortunate to escape censure for a penalty-box headlock on the Portugal captain.Ronaldo had to wait until the 44th minute until his first sight of goal, heading over from Adrien Silva’s inswinging left-flank cross, while Joao Mario dragged a shot across goal and wide.With Ramsey absent, there was even more onus than usual on Bale to make things happen for Wales and he was the stand-out player in an otherwise flat first period.– Coleman goes for broke –From Joe Ledley’s training-ground corner he swiped a shot into the stands, while a galloping run down the right wing culminated in a shot that flew straight into Rui Patricio’s gloves.But if the first half was all about Bale, the second was all about Ronaldo.A short corner on Portugal’s left yielded the opening goal five minutes after the restart.Raphael Guerreiro curled a cross to the back post and Ronaldo leapt above James Chester, seeming to hang in the air, before powering a header past Wales goalkeeper Wayne Hennessey’s flailing left hand.Wales had taken control of the game after falling behind to Belgium in the quarter-finals, ultimately winning 3-1, but Portugal gave them no chance of doing that by scoring a second goal within three minutes.Ronaldo was this time the provider, albeit inadvertently, as his mishit shot was prodded into the net by his former Manchester United team-mate Nani.Coleman made three attacking changes, sending on Sam Vokes, Simon Church and Jonathan Williams for Joe Ledley, Hal Robson-Kanu and Collins.Bale twice worked Rui Patricio with swerving efforts from range, but Portugal remained a threat, with Nani, Jose Fonte and Danilo all testing Hennessey.By the end Wales’s fire had burnt itself out, but their fans continued to sing as the seconds ticked away on their unforgettable French adventure. Share on: WhatsAppcenter_img In what was billed as a shootout between Ronaldo and his Real Madrid team-mate Gareth Bale, it was the Portugal captain who prevailed, opening the scoring in Lyon with a majestic 50th-minute header that saw him tie France great Michel Platini’s record of nine goals at Euro finals.He also teed up Nani for Portugal’s second goal and finished the night consoling Bale on the Stade de Lyon pitch.“The team did a marvellous job to reach the final. I hope on Sunday you’ll see me crying with joy,” Ronaldo said.“I always said I wanted to win something with Portugal. I’ve been at the highest level for 13 years. The statistics never lie.”Bale told ITV: “We’re obviously massively disappointed. But we’ve got to be proud of ourselves first and foremost.“We’ve given everything, on the pitch, off the pitch. We’ve tried to enjoy the experience of the tournament. We want to thank the fans for all the support we’ve had — it’s been absolutely incredible.”Fernando Santos’s Portugal now go on to a Sunday showdown at the Stade de France with either Germany or hosts France.It will be only Portugal’s second major final after Euro 2004, when a 19-year-old Ronaldo was left in tears on the Estadio da Luz pitch in Lisbon after the hosts were beaten 1-0 by Greece.– Ramsey missed –While Ronaldo — whose three goals leave him one behind France’s Antoine Griezmann in the tournament rankings — aims for his first international trophy, Bale and Wales’s dreams of emulating Greece ultimately came up short.last_img read more

Lamar’s Nick Garth Named Men’s Basketball Player of the Week

first_imgFRISCO, Texas – Lamar guard Nick Garth is the Southland Conference Men’s Basketball Player of the Week, the league announced Monday. Southland Conference Players of the Week are presented by MidSouth Bank.The Houston, Texas native recorded a pair of 20-point performances as the Cardinals extended their win streak to three games with a 75-70 victory over Northwestern State and a 75-72 upset of conference-leading Sam Houston State, the Bearkats first loss in league play (12-1).Garth and the Cardinals hit the road for a pair of conference matchups against Incarnate Word at 7 p.m. CT on Wednesday and against Texas A&M-Corpus Christi at 3:30 p.m. on Saturday.Men’s Basketball Player of the Week – Nick Garth, Lamar – Senior – Guard – Houston, TexasGarth accounted for Lamar’s last seven points as he hit all four free-throws in the final seconds to fend off previously undefeated Sam Houston and finish with 21 points. He converted all nine attempts from the charity stripe against the Bearkats and made both of his free throws against Northwestern State to finish a perfect 11-for-11 on the week.Garth provided a clutch play down the stretch against Sam Houston State, draining a three-pointer with 29 seconds remaining after the Bearkats’ Marcus Harris had hit from beyond the arc to pull within one.Garth shot 9-of-15 (.600) from the field, including 3-of-6 from long range, against Northwestern State to finish with 23 points for the second-straight game. He also snagged a pair of rebounds and dished out four assists. Honorable Mention: Shannon Bogues, Stephen F. Austin; Ian DuBose, Houston Baptist; Moses Greenwood, Southeastern Louisiana.Southland weekly award winners are nominated and voted upon by each school’s sports information director. Voting for one’s own athlete is not permitted. To earn honorable mention, a student-athlete must appear on 25 percent of ballots.last_img read more

US possible site of Pac-May II

first_imgFloyd Mayweather Jr. (left) and Manny Pacquiao. AFP FILE PHOTOManny Pacquiao is taking on the challenge thrown at him by arch rival Floyd Mayweather Jr.Anytime, anywhere, the Filipino global boxing great said as he would like to see his flashy American counterpart “occupy all corners of the ring.”ADVERTISEMENT Nadine Lustre’s phone stolen in Brazil Japeth Aguilar embraces role, gets rewarded with Finals MVP plum Tim Cone, Ginebra set their sights on elusive All-Filipino crown Allen Durham still determined to help Meralco win 1st PBA title Don’t miss out on the latest news and information. LATEST STORIES Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award Asia league: iECO bows to Ryukyu in Terrific 12 Mayweather is flying into the country anytime this week for a business trip that may include his projected fight with Pacquiao.Sports Related Videospowered by AdSparcRead Nextcenter_img Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Phivolcs: Slim probability of Taal Volcano caldera eruption Gov’t to employ 6,000 displaced by Taal Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college Pacquiao said Monday evening that he could fight Dec. 8  or early January in the United States but is not planning on extended training there.“Why do I have to tune up?” the eight-division world champion said.  “I just came from a fight in July.  It’s just going to be a small adjustment if ever.”FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSJapeth Aguilar wins 1st PBA Finals MVP award for GinebraSPORTSGolden State Warriors sign Lee to multiyear contract, bring back ChrissThat’s regardless of who he’s facing next.“I’m in tiptop shape, I just came from a big fight, I can fight anytime. If it’s against Floyd, we’ll do it in the United States, if not, I’ll still do it in the United States. It’s been a long time,” the senator added. MOST READ Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew View commentslast_img read more

‘No love scenes’ for Marvin Hagler as boxing legend eyes more silver screen action

first_imgMikaela Shiffrin prevails despite distractions over her choices Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award Nadine Lustre’s phone stolen in Brazil “Its another game in the sense you can get lost and become another character.“I got to live it same as I did it in boxing — walk it, talk it, live it, sleep it just try not to look like it afterwards!”‘Brings back respect’Hagler, who retired with a record of 62 wins, including 52 inside the distance, two draws and three defeats, shakes his head at the amount of titles that are on offer in his former sport today compared to his heyday.  “Now they have so much they throw them (titles) away like candy,” he said.“It was a long hard road in my day. I said you have to kill me to take it (the title).”Hagler says there is one boxer who he believes represents the good old days and that is Kazakhstan’s former unified middleweight champion Gennady Golovkin.“I saw ‘Triple G’ (Golovkin’s nickname) and I told him I am glad that you became champion because it brings back respect into my division, you look like a champion who will be there for a while.“Most champions these days, they come and they go, they confuse the public, who do not know who the real champion is.“Right now they think Mike Tyson is the champion,” he adds, chuckling. LATEST STORIES Will you be the first P16 Billion Powerball jackpot winner from the Philippines? In fight vs corruption, Duterte now points to Ayala, MVP companies as ‘big fish’ Don’t miss out on the latest news and information. Ginebra beats Meralco again to capture PBA Governors’ Cup title “I love to do that, that is what I have been doing, action and adventure.”However, light-heartedly suggesting that his wife may not be happy, he added: “You always get the girl in adventure films, but I cannot do any love scenes.”Hagler, who retired from the ring after a controversial loss to bitter rival Sugar Ray Leonard in 1987, says he found himself as immersed in films as he had once been in boxing.  “It is not real; it is all fake, a fantasy,” said Hagler, who is in Monaco for the annual Laureus Awards.“You can die and come back the next day, you know what that stuff cracks me up.ADVERTISEMENT Japeth Aguilar wins 1st PBA Finals MVP award for Ginebracenter_img The undisputed middleweight world champion from 1980-87 has made four films in Italy where he lives with his second wife Kay.His most recent silver screen appearances were in 1997 in movies Notti di Paura and Virtual Weapon.FEATURED STORIESSPORTSGolden State Warriors sign Lee to multiyear contract, bring back ChrissSPORTSCoronation night?SPORTSThirdy Ravena gets‍‍‍ offers from Asia, Australian ball clubsHowever, Hagler says while he enjoys commentating and carrying out charity work, the chance to lose himself playing someone else in movies has its attractions.“Hopefully for me to land another film,” he told AFP of his future plans. Ex proffessional boxer Marvin Hagler of the US reacts to the crowd before the Gennady Golovkin of Kazakhtan versus Japan’s Nobuhiro Ishida middleweight WBA boxing match, on March 30, 2013 in Monaco. AFP PHOTO / VALERY HACHE (Photo by VALERY HACHE / AFP)American boxing legend Marvelous Marvin Hagler may be 64 but he told AFP that age won’t stop him hunting down more roles in action adventure movies.However, there is one condition — he will not do love scenes.ADVERTISEMENT Philippine Army to acquire MANPADS, self-propelled howitzers Ginebra beats Meralco again to capture PBA Governors’ Cup title MOST READ View comments Hagler, though, derives great pleasure in his work with disadvantaged youngsters in his role as an academy member of Laureus, a global movement that aims to use the power of sport to tackle social challenges in the world.“I like to give them hope and direction and put a smile on their faces,” he said.“I went to Brazil before the Olympics to see some of these kids who had bad habits.“I had to step in there but my wife says ‘Marvin, what are you doing?’. However it gets into your blood and you get carried away. “The coach (at the gym) says I am not going to stop you going in there.“It is important to catch them when they are young. It was exciting and they responded.”Sports Related Videospowered by AdSparcRead Next Tom Brady most dominant player in AFC championship history Gretchen Barretto’s daughter Dominique graduates magna cum laude from California collegelast_img read more

EVD Control: KtK Conducts Workshop on Strengthening Gender, Human Rights

first_imgKvinna till Kvinna Foundation (KtK), an international NGO, has conducted a workshop aimed at strengthening gender and human rights during this Ebola crisis. During the workshop, Madam Florence Baingana, a World Health Organization (WHO) representative from Uganda currently in the country, called on Liberians to embrace Ebola survivors in their communities.She made the call last Wednesday during a two-day workshop organized by KtK. The seminar was held with funding from the Swedish International Development Cooperation (SIDA) and facilitated by the WHO, as well as the Ministry of Health and Social Welfare. The workshop brought together stakeholders, KtK implementing partners, “Ten Women Groups” as well as Ebola survivors from Montserrado, Lofa and Maryland counties.Community dwellers and house owners should embrace survivors who have been fortunate to return from the Ebola Treatment Units (ETUs) and stop frustrating them with stigmatization, she said.The WHO representative, who spoke on the impact of EVD stigma in the community and means of addressing it, expressed fear that stigmatizing Ebola survivors would expose them and discourage others affected to voluntarily report themselves for treatment to any ETU or nearby health center.  They would fear being singled out or isolated by their own community and friends.She noted that all Ebola survivors have horrible experiences and that it was necessary to assemble them to explain their stories to one another as a way of removing the stress they have encountered.Madam Baigana said some of the Ebola survivors who talked to her indicated that most Liberians are refusing Ebola survivor tenants for fear that they (owners) and their families might  contract the disease.She also told the participants that the Ebola cases are reducing but Liberians need to keep washing their hands and observing other health measures.“Please keep washing your hands and stop bathing dead bodies,” Madam Baigana cautioned the participants.In her opening statement earlier, Madam Rie Lukowski, Field Representative of KtK Liberia, said her organization is providing assistance to Ebola survivors and stakeholders as well as women’s groups by giving them support in the prevention and control of Ebola.Madam Lukowski told the participants that they should avoid finger pointing against one another and be role models in society.False Alarm, Election OvertakeAlso speaking, the Deputy Commissioner of Immigration and Naturalization, Asatu Bah–Kenneth, who shared her experience at the workshop, observed that many people are giving false alarms to the various call centers and when the response teams arrive there are no cases.She then used the occasion to call on all Liberians to desist from such behavior and help kick Ebola out of Liberia.One participant sharing her experience said that election had taken the front seat and displaced Ebola. “Our Lawmakers know very well that “we have sickness in the country, and pushing for holding the Senatorial election spells danger,” she said.Isolate Male Ebola SurvivorsMajority of the participants disclosed that the male Ebola survivors who are coming from the centers need to be kept somehow in isolation for about three months, because some of them are forcing their wives to have sex with them.“And when that happens, you will notice that the virus will spread more.  So we need a place for our men to be for three months,” they suggested.Woman to WomanKvinna till Kvinna, which literally means “Woman to Woman,” cooperates with women’s organizations working for women’s rights and peace.According to its dossier, Kvinna till Kvinna, supports more than 130 women’s organizations in five regions afflicted by conflict: Central and Western Africa, the Middle East, the South Cau­casus and the Western Balkans.KtK provides information about the situ­ation facing women in conflict zones and the important work for peace that women’s organizations carry out. It also does advocacy work in Sweden and internationally to try to increase women’s repre­sentation in peace processes. Through contract teaching initiatives such as the ITP programme, KtK uses its expertise to spread knowledge about women, peace and security.Kvinna till Kvinna has a feminist perspective. This means that it strives for a society where women and men have the same social, political and economic rights. Its aim is to help strengthen the position of women so that women and men may be part of shaping their societies to the same extent and on equal terms. In KtK’s view, gen­der bias and inequality in power structures are the main underlying causes of social inequalities, and they are consequently an obstacle to democracy, development and peace.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)last_img read more

GWI survey shows persons illegally reconnect water

first_imgA recent survey conducted by the Guyana Water Incorporated (GWI) has found that a massive 60 per cent of some 700 sample residents in Georgetown illegally reconnected their water supply after being disconnected.The GWI, in a release to the media on Thursday, sought to highlight the major issue while noting that plans are afoot to intensify its disconnection and service removal campaign, in a bid to focus on customers who are determined to illegally reconnect their service.The water company explained that of the sample population of 700 Georgetown customers surveyed, 60 per cent have illegally reconnected their water service after being disconnected for overdue balances, thus the utility has intensified its disconnection and service removal campaign across the capital city with a particular focus on those customers who have illegally reconnected their service.According to the GWI, most of the customers who would have indulged in the illegal act are domestic customers.According to GWI, its customers are given 28 days after their bill is due to clear their balance, or utilise the option of taking advantage of the utility’s wallet-friendly payment plans.If they fail to do so, their service is disconnected, but they are given an additional 28 days to pay their reconnection fee before their service is removed. The cost for reconnection for domestic customers is $7,500, and for commercial customers$16,000; whereas the replacement fee for both categories is $20,000.It has been pointed out that GWI targets all categories of indebted customers, irrespective of whether they are domestic or commercial.last_img read more

President ‘sidelining’ elected indigenous body – NTC

first_imgA slap in the face is what the National Toshaos Council (NTC) received when President David Granger, on Wednesday, chose to meet with the Amerindian Peoples Association (APA) instead of the elected body.This is the sentiment felt by the NTC, which has been repeatedly calling for a meeting with President Granger to iron out issues surrounding the controversial Commission of Inquiry (CoI) into lands.The Amerindian Peoples Association delegation along with President David GrangerOn Friday, the NTC put pen to paper and issued to the press a statement outlining its concerns about the Government’s decision not to meet with the duly elected body representing Guyana’s Indigenous Peoples.“The NTC hereby registers its concern that the President chose to meet with the APA before meeting with the NTC, considering the NTC is the duly elected body representing Guyana’s Indigenous Peoples. The NTC is concerned that we are potentially being sidelined for our strong position on the CoI, and that this move is meant to undermine the credibility of the NTC,” the representative body said.President Granger, in March of this year, established the CoI to examine and make recommendations to resolve all issues and uncertainties surrounding the claims of Amerindian land titling; the individual, joint or communal ownership of lands acquired by freed Africans; and any matters relating to land titling in Guyana.Since its establishment, the NTC has condemned the CoI, noting that Amerindian land issues are much more complex; and as such called on the Administration to have the CoI revoked. The pleas of the indigenous peoples’ representatives have fallen on deaf ears, with Indigenous Peoples Affairs Minister Sydney Allicock, accusing its leadership of being politically aligned with the Peoples Progressive Party (PPP).The NTC also wrote to the President, expressing their dissatisfaction with the terms of reference (ToR) of the CoI, and requested a meeting, but are still awaiting a response to their requests.“At this point, I think we would have written the President enough, and it is now for him to reach out to the NTC. And I think that the Chair of the NTC has (contacted the) Office of the President to get clarification on when this meeting is going to occur, and if it will occur,” Vice Chair of the NTC, Lennox Schuman, said.Schuman also said that the NTC position remains the same, and that the President’s apparent refusal to entertain a meeting with the body is a cause for concern. He said the next step involves meeting with their membership to discuss the recent developments before taking a unified stance as it relates to paving the road ahead.At the meeting on Wednesday, President Granger proposed a five point comprehensive review of the CoI, and told the APA delegation that there was nothing sinister in the setting up of the Commission. Rather, he said, the intention was to correct existing anomalies regarding individual and communal lands.According to a GINA press statement, Executive Director of the APA, Jean La Rose, said, “This is a good step, in the sense that we are able to discuss these issues, we are able to air our concerns and focus on how we can move forward… Hopefully, at the end of these discussions, we will arrive at a common position.”The President’s five-point plan involves a review of all literature that has to do with Amerindian land titling, particularly as it relates to ongoing programmes; consensus building on the terms of reference; strengthened adherence to the principle of free, prior and informed consent (FPIC), so that communities are fully involved in the process; the reconciling of the positions of the Government, the Commission and that of Indigenous Peoples’ organisations; a review of the Amerindian Act of 2006, and halting the work of the Commission on matters specifically related to Amerindian lands until all the outstanding concerns are addressed.Wednesday’s meeting with the APA, however, did not sit well with sections of the Amerindian community. What is of most concern to some leaders is that Executive Director of the APA, Jean La Rose, was on the A Partnership For National Unity (APNU) national top-up list for the 2015 elections. As such, leaders are questioning why the APA, which in the past sought international funding and representation for Amerindians, now seems to be “cozy” with the Government.Among the concerns of the Indigenous leaders are whether the APA is not as strident as it was before, and whether the APA is seeking to undermine the elected NTC.last_img read more

Anderson taking it easy

first_img Quinlan in left?: If Anderson sees more time at DH, that could open up more playing time in left field for Robb Quinlan, who is also in the mix for the job at first base. “Obviously it’s probably easier to settle in at one position, but I know I have to be ready to play maybe a couple of different positions,” said Quinlan. “If you’re in that role you really have to have that attitude to be ready to play every day, which means you have to get in your extra work. It definitely can be tough.” Tightening things up: Scioscia said he was impressed with a throwing session by Ervin Santana, who has been working on “tightening up” his slider. Last year, Santana’s slider had a tendency to break more like a curveball. “It had a lot of depth, and it was big and I think that still can be effective,” Scioscia said. “But what he wants to do with a slider is get hard to the zone, and then get out of the zone or under a bat. It would roll at times and hang a little bit.” Also: After throwing on flat ground for three consecutive days, Bartolo Colon had the day off. … Jered Weaver had another flat-ground throwing session and is in line to throw from a mound this week for the first time this spring. doug.padilla@sgvn.com (626) 962-8811, Ext. 2731 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! TEMPE, Ariz. – The Angels are keenly aware that it was here in the desert a year ago Garret Anderson’s foot troubles began, so extra precautions will be made this spring. Manager Mike Scioscia said Anderson is feeling great and has recovered from the plantar fasciitis that plagued him last season. Still, Anderson was held out of base-running drills Saturday. After hitting 29 home runs in 2003 with 116 RBIs, Anderson has not reached the 20-homer or 100-RBI plateaus since. Over the past three seasons, he has averaged 16 home runs and 85 RBIs. After batting .309 in April last season, Anderson tailed off to bat .241 in May and then .224 in June. He rebounded in the final three months to bat .302 after the All-Star break. While his home-run totals were up in the second half, when he hit 10, he had just 38 RBIs, compared to 47 before the All-Star Game. Some DH duty for Vlad: Vladimir Guerrero, who played with sore knees most of last season, does not have any running restrictions. He took part in base-running drills Friday and hit some mammoth home runs while taking batting practice on the stadium field. Scioscia’s plan is to use the designated-hitter role as a way of getting Anderson and Guerrero off their feet more often. “I don’t think anybody wants to DH at all,” Scioscia said. “I think these guys take pride in playing the field. They feel good that they can contribute on both ends, but they also understand the need at times (to take) a preventative day to DH.” center_img “I think Garret is one of the guys that needs his work and needs to get ready, but also you have to balance it with some of the things that flared up on him over the last couple of years and we’re going to monitor that very closely,” Scioscia said. Hamstring and knee issues also have plagued the veteran in recent seasons, so if there is a way for Anderson to take it easy on his legs, the Angels will lean that direction. Anderson also had back trouble in 2004. last_img read more

Sensibly saving for retirement

first_imgFrom a quintet with credentials comes the answer to a question that baffles working Americans: How much do I need to save now to maintain my lifestyle in retirement? The answer, in what is called a groundbreaking study, amounts basically to: “It depends.” I am not trying to be cute. “It depends” must be the answer because how much you need to save depends squarely on how much you want to spend later, how much you’ve already saved and how long you have before retirement, among many factors. But the study, involving considerable analysis and number-crunching, goes beyond generalities to set specific savings guidelines. “The study creates savings guidelines for typical individuals with different ages, income levels, and initial accumulated wealth so the public can more easily determine how much to save for retirement,” the authors wrote. The guidelines appear in the April Journal of Financial Planning published by the Financial Planning Association, a professional membership group. They were developed by Roger Ibbotson, Ph.D.; Peng Chen, Ph.D. and chartered financial analyst; and James Xiong, Ph.D. and chartered financial analyst, all from investment consultants Ibbotson Associates in Chicago, and by certified financial planners Robert Kreitler and Charles Kreitler in New Haven, Conn. “We developed these savings guidelines with the hope they will be publicized, generally accepted, and that once people are aware of how much they should save they will better prepare for retirement,” the authors said. While the Journal is intended for financial professionals, the FPA is inviting everyone to read this study at www.fpanet.org and click on the link to Journal of Financial Planning at the top until finding the article. One thing I liked right away is that the authors calculate their guidelines on so-called “net” pre-retirement income, or pre-tax income minus annual retirement savings. The guidelines aim to replace 80 percent of that net income in inflation-adjusted dollars, assuming retirement at age 65. I’ll give you an example. If you make $60,000 a year and save $6,000 for retirement, you are living on $54,000. Under these guidelines, you would need $43,200, or 80 percent of $54,000 in retirement, not the larger 80 percent of $60,000. To be safe, I believe workers should plan on spending as much in retirement as they do now. But at least this study recognizes the fallacy of basing projected retirement-income needs on pre-retirement income rather than on spending. And you can always bump up your savings rate to replace more than 80 percent of pre-retirement net income. Some sample guidelines: If you are 30, make $80,000 and have no savings, you need to save 13.6 percent of your income to maintain your lifestyle in retirement. But if you make $20,000, saving 7 percent would be enough. That’s because Social Security replaces a higher percentage of income for lower-wage earners than it does for those who earn more. The study also shows what the authors call the urgency of starting to save no later than age 35. At 35, if you make $60,000 a year and haven’t started saving, you need to save 14.6 percent of income. Wait until age 55 and you’ll need to sock away 32 percent of income. At that point, delaying retirement may be the only realistic option.— Humberto Cruz offers personal finance advice each Thursday and answers readers’ questions each Saturday. Write him atAskHumberto@aol.com. 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!last_img read more

Mane hits hat-trick as Liverpool crush Porto

first_img0Shares0000Sadio Mane scored a hat-trick as the Liverpool attack tormented Porto 5-0 © AFP / Francisco LEONGPORTO, Portugal, Feb 15 – Sadio Mane scored a brilliant treble as Liverpool romped to a 5-0 thrashing of Porto at the Estadio do Dragao on Wednesday to march towards the Champions League quarter-finals.Mane fired the away side ahead in the first leg of the last-16 clash, before Mohamed Salah’s audacious finish for his 30th goal of the season quickly made it two. The Senegalese forward slotted in his second as Liverpool completely outclassed their opponents, with Roberto Firmino adding his name to the scoresheet with 20 minutes to play, before Mane’s searing strike completed his first European hat-trick.“It was important to play as a team and we did, we played great football from the beginning,” Mane told BT Sport.“We created so many chances and we scored five. It was well deserved.”Playing in the last 16 of the competition for the first time in nine years, Liverpool are now all but certain to reach the quarter-finals ahead of the second leg at Anfield on March 6.Jurgen Klopp’s men had scored 23 goals in the group stage and continued that scintillating form in Portugal to become the top-scorers in this season’s competition, while the defensive frailties that have plagued them at times this season never resurfaced as Dejan Lovren and Virgil van Dijk put in accomplished displays at the back.“I saw a lot of fantastic performances tonight. The result is only possible if they are all spot on,” said Klopp.“Of course, Sadio is man of the match, three fantastic goals, but they all did well and that is the only way to be successful.”Sergio Conceicao’s deflated Porto will now turn their attentions back to domestic matters, where they hold a two-point lead in the league and are in the Cup semi-finals.Roared on by the home fans, Porto started brightly and Brazilian midfielder Otavio was denied an early goal by a last-ditch tackle from Lovren.But it didn’t take Liverpool long to grow into the game, as left-back Andrew Robertson fired over on his Champions League debut and Ivan Marcano’s brave block prevented Firmino from heading in.But the five-time European champions were gifted the lead in the 25th minute as Porto goalkeeper Jose Sa, who has replaced former Real Madrid great Iker Casillas this season, allowed Mane’s tame strike to squirm underneath his body and into the net.Mane has been overshadowed so far this term by the blistering performances of Firmino and Salah, but the Senegalese forward’s first goal in six games was his fourth in the Champions League.– Salah’s delightful skill –Liverpool forward Salah slots in his side’s second goal at Porto © AFP / MIGUEL RIOPALiverpool took total control of the tie just four minutes later as Salah scored in style.James Milner’s strike crashed into the post, but the Egyptian star was on hand to flick the ball over the onrushing Sa with a magnificent piece of skill and slot into the net.The visitors were utterly dominant, but Tiquinho Soares, playing in place of the injured Vincent Aboubakar, fired narrowly wide for Porto on the stroke of half-time.Porto had plenty of the ball but were always vulnerable to Liverpool’s waves of rapid counter-attacks, and Mane made it three shortly after the restart.The away side cut the Portuguese league leaders to shreds with a series of first-time flicks and passes, and after Firmino was denied by Sa, Mane was on hand to tap in the rebound.The visitors’ relentless pressure meant another goal was almost inevitable, and it arrived when Milner picked out Firmino from a posse of unmarked Liverpool shirts in the centre to slot home his seventh Champions League goal of the campaign.The English outfit still weren’t finished, though, as Mane’s long-range effort flew past Sa with five minutes remaining to round off the procession in fine fashion.0Shares0000(Visited 1 times, 1 visits today)last_img read more