Sharks too good for the Blues

first_imgComing off the bye, the Blues were comprehensively outplayed, with poor tackling and an inability to secure quality ball allowing the Sharks to open out a 26-7 halftime lead.The Aucklanders hit back in the second spell with three tries in the space of eight minutes but could find no answer to a masterful display from Sharks fly- half Robert du Preez.The 24-year-old playmaker kicked flawlessly, nailing seven penalties and six conversions as well as scoring a try of his own to total 38 points for the match.An inability to compete at the breakdown cost the Blues early, with du Preez nailing his first penalty after just three minutes.Things never really improved as the South Africans attacked the breakdown with vigour, forcing the turnover and sending lock Ruan Botha over from close range.Trailing 13-0 after 15 minutes, the Blues finally hit back five minutes later, and quick hands and good support play down the left sent fullback Michael Collins over.Flanker Jean-Luc du Preez brushed off some woeful Blues tackling to score in the 33rd minute and set up a 26-7 halftime lead.The Blues went out firing in the second 40, running in three tries in eight minutes after Sharks winger Sbu Nkosi was sin-binned in the 44th minute for a high tackle.No.8 Akira Ioane kick-started the comeback, crossing out wide for his sixth try of the season.Flanker Patrick Tuipulotu burst through the middle soon after for the Blues’ third then Stephen Perofeta glided through to give them a 28-26 edge.The mayhem continued when Nkosi returned and the Sharks snatched back the lead through tries to Lubabalo Mtembu and du Preez.With winger Jordan Trainor sin-binned in the 64th minute, the Blues never looked like mounting a second comeback.Kobus van Wyk crossed for the Sharks’ fifth try in the 71st minute and the Blues sneaked in late tries from Rieko Ioane and Goerge Moala.The Sharks had the last say, however, as fullback Curwin Bosch crossed in stoppage time.last_img read more

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Nelson lands doubleat Assiniboia Downs racetrack

first_imgWINNIPEG, Canada (CMC):Jamaican jockey Dane Nelson and Barbadian Chris Husbands both rode braces, but Chavion Chow, also Jamaican, made off with honours when he captured the feature CAN$25,000 Manitoba Mile Stakes at Assiniboia Downs here Sunday.Chow, the championship leader, paired with favourite Magic D’oro to dominate the three-year-olds and upward over a mile, to win by five lengths.Chow leads the standings with 39 wins, three clear of Husbands in second, with Nelson, Adolfo Morales and Guyanese Rohan Singh, in a three-way tie for third on 35 wins.Nelson, meanwhile, grabbed his share of the spotlight when he won race four aboard 4-1 chance Truly Ilean, beating the three-year-old and upward maiden fillies and mares by 11-3/4 lengths going a mile. He returned in race seven, the day’s final event, to steer Early Speed to a comfortable two-length win going five furlongs for the three-year-old fillies and mares who have never won two races.Husbands also pushed his way into the headlines, winning the day’s opener aboard 4-1 bet Lotus Lane going 7-1/2 furlongs before returning to win race two in a gate-to-wire effort with 7-1 outsider Denouement, in a mile and sixteenth trip for the three-year-olds yet to win a race this year.last_img read more

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Vettel lowers Ricciardo’s unofficial record at F1 testing

first_imgIt’s too early to present Duterte’s ‘legacy’ – Lacson 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 Phivolcs records 2 ‘discrete weak ash explosions’ at Taal Volcano Defending champion Lewis Hamilton was similarly ambivalent about the times.“I don’t know if that is a good time.I really don’t care, it’s testing,” Hamilton said. “It’s really irrelevant. What matters is qualifying and the race. I hope it is a good time because that means that (Ferrari) is strong and we have a race on our hands.”Felipe Massa held the previous record of 1:18.339 in a Ferrari in 2008 testing. Times set in testing are not officially recognized as track records.Kevin Magnussen turned heads with the day’s second best lap in his Haas, especially as he ran on a slower set of tires to Vettel’s.Toro Rosso’s Pierre Gasly followed by Renault pair Nico Hulkenberg and Carlos Sainz Jr. rounded out the top five times on “hypersoft” tires.ADVERTISEMENT Sea turtle trapped in net freed in Legazpi City Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Warm weather made for productive driving with every team reaching the 100-lap mark.Hamilton and Mercedes teammate Valtteri Bottas were more than two seconds slower than Vettel, and in the bottom half of the time sheets on a combined 181 laps.“We were just banging out laps,” Hamilton said.Max Verstappen was behind Vettel with 187 laps, although his Red Bull put in the second slowest lap of the 13 drivers.McLaren gained some relief after technical hiccups on Tuesday and Wednesday, as Stoffel Vandoorne recorded the sixth fastest time.Testing was interrupted only once when Marcus Ericsson’s Sauber spun off into the gravel.The season begins with the Australian Grand Prix in Melbourne on March 25.Sports Related Videospowered by AdSparcRead Next GALLERY: Barangay Ginebra back as PBA Governors’ Cup kings Both those times, established on the “hypersoft” tire compound introduced this year, were more than a second quicker than Lewis Hamilton’s pole position with Mercedes in last year’s Spanish Grand Prix.The track has been resurfaced after getting a makeover in January.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSTim Cone, Ginebra set their sights on elusive All-Filipino crownSPORTSAfter winning title, time for LA Tenorio to give back to Batangas folkVettel also completed a race simulation with a session-high total of 188 laps on his final day of practice before the season starts in less than three weeks. Kimi Raikkonen is scheduled to drive for Ferrari on the last of eight test days on Friday.“The important thing is that the car was working all day. We did nearly 200 laps,” Vettel said. Phivolcs records 2 ‘discrete weak ash explosions’ at Taal Volcano Steam emission over Taal’s main crater ‘steady’ for past 24 hours UK plans Brexit celebrations but warns businesses may suffer Tiger Woods shoots 70 thanks to par-saving shot from trees Ferrari driver Sebastian Vettel of Germany steers his car during a Formula One pre-season testing session in Montmelo, outside Barcelona, Spain, Wednesday, March 7, 2018. (AP Photo/Manu Fernandez)MONTMELO, Spain — Sebastian Vettel can start the Formula One season with renewed hopes of challenging Mercedes’ dominance after smashing the unofficial track record on the penultimate day of testing Thursday.Vettel pushed his Ferrari to a lap of 1 minute, 17.182 seconds at the Circuit de Barcelona-Catalunya. That bettered Red Bull driver Daniel Ricciardo’s effort of 1:18.047 set the previous day.ADVERTISEMENT LATEST STORIES Jiro Manio arrested for stabbing man in Marikina Don’t miss out on the latest news and information. MOST READ View commentslast_img read more

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FIFA president still not keen on US hosting Spanish league

first_imgMOST READ View comments Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Tim Cone, Ginebra set their sights on elusive All-Filipino crown Japeth Aguilar embraces role, gets rewarded with Finals MVP plum Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Phivolcs: Slim probability of Taal Volcano caldera eruption Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college 76ers coach Brown has faith Fultz, Simmons can hit 3s Gov’t to employ 6,000 displaced by Taalcenter_img 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 FC Barcelona’s Lionel Messi pauses during the Spanish La Liga soccer match between Real Sociedad and FC Barcelona at the Anoeta stadium, in San Sebastian, northern Spain, Saturday, Sept. 15, 2018. (AP Photo/Jose Ignacio Unanue)ZURICH — FIFA President Gianni Infantino is still not convinced it’s a good idea to play Spanish league games in the United States.Infantino says on Tuesday he would “prefer to see a great MLS game in the U.S. rather than La Liga being in the U.S.”ADVERTISEMENT Sports Related Videospowered by AdSparcRead Next LATEST STORIES Nadine Lustre’s phone stolen in Brazil Don’t miss out on the latest news and information. Allen Durham still determined to help Meralco win 1st PBA title His statement repeated comments made last month in Washington D.C. after the Spanish league announced its 15-year, brand-building plan to play games in the U.S.The league wants Lionel Messi’s Barcelona to play near-neighbor Girona at Miami Gardens, Florida, on Jan. 26.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 ChrissIt needs approval from the Spanish and American federations, plus continental bodies UEFA and CONCACAF.Though FIFA’s permission is not mandatory, Infantino says: “FIFA should also express a view on the matter, not least since it would have implications for football at global level as well.”last_img read more

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NBA Preview: It’s the Warriors, and then everyone else

first_imgGolden State Warriors coach Steve Kerr, center, talks to his players during the second half of an NBA preseason basketball game against the Los Angeles Lakers on Wednesday, Oct. 10, 2018, in Las Vegas. (AP Photo/John Locher)NBA Commissioner Adam Silver will be at Oracle Arena on Tuesday night, handing the Golden State Warriors what will be their third set of championship rings from the last four seasons.A banner will be displayed. Highlights will be shown.ADVERTISEMENT Gov’t to employ 6,000 displaced by Taal Allen Durham still determined to help Meralco win 1st PBA title LATEST STORIES Island boy makes good View comments Nadine Lustre’s phone stolen in Brazil The Warriors still have Stephen Curry, Kevin Durant, Klay Thompson and Green, plus added All-Star big man DeMarcus Cousins — coming off an injury — on a bargain $5.3 million deal. And calling all the shots is coach Steve Kerr, who won five rings as a player and now three more as a coach.“If they don’t win, it’s a failure,” Memphis guard Mike Conley Jr. said. “I know that’s how they feel as well. For us, for the other 29 teams, we’re the underdog. We’re trying to take what they have. It’s a lot easier playing from the underdog perspective than coming in with a lot of expectation.”In this NBA, everybody else is an underdog.That even applies to Houston — which won 65 games last season, has the reigning MVP in James Harden, an elite point guard in Chris Paul who re-signed for $160 million this summer, a deep-pocketed owner in Tilman Fertitta and an always-tinkering GM in Daryl Morey. The Rockets had the Warriors against the ropes in last season’s Western Conference finals, leading that series 3-2 yet falling after Paul was lost to a hamstring injury.“We’ve all got one goal, man,” Harden said. “You’ll keep hearing the same story over and over until I’m not here no more. We’ve got to win a ‘chip. We’ve all got the same goal. We kind of, a little bit, we kind of know what it takes to almost get there. But we haven’t gotten there yet.”ADVERTISEMENT The Warriors are the best team and the Rockets had the best record, but the best player is now in L.A.After 15 seasons in the Eastern Conference, James — who has played in each of the last eight NBA Finals — has moved West. He signed a four-year deal in July with the Lakers, one that makes him the biggest star on the league’s glitziest franchise. He’s teamed up with talented young players like Kyle Kuzma, Lonzo Ball and Brandon Ingram, and former rivals like Rajon Rondo and Lance Stephenson.“I’m a basketball player,” James said. “I play ball. That’s what I do and that’s what I live by. And when I do it at the level I do it at, everything else takes care of itself.”The only certainty in the NBA this season is that James won’t win the East — ending an eight-year run of that, four in Miami and four in Cleveland.Boston, Philadelphia and Toronto (with the newly acquired Kawhi Leonard) are the top candidates to take over as East champions. The Celtics had a Game 7, at home, to get to the NBA Finals last season and lost to James and Cleveland, but now get Gordon Hayward back and a healthy Kyrie Irving again. Miami has been trying to get Jimmy Butler from Minnesota, and if they do — someone will get Butler before the trade deadline — the Heat may be able to get back into East contention.It might be Dirk Nowitzki’s last season in Dallas. Gregg Popovich no longer has Tony Parker or Manu Ginobili with him in San Antonio, and the Spurs (who have been battered by injuries, including one to point guard Dejounte Murray) are no lock to extend their 21-year run of playoff appearances. Sneakerheads will have a big season, because the NBA now says players may wear whatever colors of kicks that they want.There’s plenty of stories.But in the end, it’ll be all about someone finding a way to beat Golden State — or not.“I’ll get back to you when somebody cracks that code,” Wade said. “In this game, the most important thing is health. If they stay healthy, it’s tough to beat them. There’s teams that can, but you’ve got to do it, and you’re going to have to do it four times.” 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 Japeth Aguilar embraces role, gets rewarded with Finals MVP plumcenter_img And then the Warriors will have to start all over again.The NBA’s 73rd season starts Tuesday night, beginning a year where LeBron James will play for the Los Angeles Lakers, where Carmelo Anthony will aim to push the Houston Rockets over the top, where Dwyane Wade will take his 16th and final lap around the league. A new arena is opening in Milwaukee, eight teams will have new coaches, and everyone will be looking to see if the Warriors can win a third straight title.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 Chriss“None of us are ready for this run to come to an end,” said Golden State’s Draymond Green, part of all three Warriors’ titles in this four-year run of dominance. “So we’ve got to continue to approach it like we’ve got zero. And that’s cliche and impossible to do, but you want to try to get as close to that as you possibly can. And that’s my mindset always entering the season.”They will be the overwhelming favorites, with good reason. Sports Related Videospowered by AdSparcRead Next Phivolcs: Slim probability of Taal Volcano caldera eruption Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college Tim Cone, Ginebra set their sights on elusive All-Filipino crown Don’t miss out on the latest news and information. Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew MOST READlast_img read more

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Heavyweights Anthony Joshua, Jarrell Miller hurl insults instead of leather

first_imgGinebra beats Meralco again to capture PBA Governors’ Cup title Philippine Army to acquire MANPADS, self-propelled howitzers Tom Brady most dominant player in AFC championship history World fencing body ‘interested’ in France’s embrace of lightsaber British boxer Anthony Joshua, left, is shoved by Jarrell Miller, right, as they pose for photographs during a news conference Tuesday, Feb. 19, 2019, in New York, to promote their upcoming fight. (AP Photo/Frank Franklin II)NEW YORK — Staring contests, shouting matches, some shoving. Even a near mix-up with some members of the audience.All part of the pregame show, if you will, when heavyweight champion Anthony Joshua and challenger Jarrell Miller shared a makeshift stage at Madison Square Garden on Tuesday.ADVERTISEMENT Will you be the first P16 Billion Powerball jackpot winner from the Philippines? Japeth Aguilar wins 1st PBA Finals MVP award for Ginebra Miller especially was annoyed when Joshua said he would train for the fight in Brooklyn. And as allegations from each boxer flew about alleged use of illegal substances — Miller tested positive for a banned drug in 2014 — they shouted over each other into microphones at a news conference without ever really answering questions.Miller claimed Joshua “has to have people look up to him like he is some kind of a god” while adding Joshua is “a puppeteer.”But they were ready to make some predictions. Before leaving the stage early, Miller vowed he’ll step out of the Garden ring in June as the champion. And Joshua promised, “I am going to knock him out on June 1. He’s the softest puncher in the heavyweight division.”“I just gave him a big paycheck and some cheeseburgers,” Joshua joked. “It was an easy promotion.”The bout will be streamed by DAZN in the United States and televised by Sky Sports in the U.K. Hopefully it will have more jabs and hooks and uppercuts with the gloves on in the ring and not the mouthing off that marked the beginning of the promotion.Sports Related Videospowered by AdSparcRead Next Ginebra beats Meralco again to capture PBA Governors’ Cup title The title fight, Joshua’s U.S. debut, isn’t until June 1. The WBA, IBF, WBO and IBO belt holder is unbeaten (22-0, 21 knockouts), but has only fought in the United Kingdom, where he’s filled London’s Wembley Stadium and Cardiff’s Principality Stadium for defenses of his title. Now, it’s the Garden, an arena synonymous with boxing, but a new locale for the champion.“I am not here to win a popularity contest. I don’t want to focus on the recognition part,” Joshua said. “That’s a losing battle. But as far as fighting around the world, I like to fight wherever the market is. In the U.K., we had 100,000 coming out and that’s why it made sense to be fighting there. At the moment, it’s brilliant to be at Madison Square Garden, with a global audience.FEATURED STORIESSPORTSGolden State Warriors sign Lee to multiyear contract, bring back ChrissSPORTSCoronation night?SPORTSThirdy Ravena gets‍‍‍ offers from Asia, Australian ball clubs“Madison Square Garden is massive. Madison Square Garden is really big, brilliant. Wembley holds a lot more people, but this is something different and new territory.“We’ve built it from the ground up in the U.K., and now we’re coming over.” In fight vs corruption, Duterte now points to Ayala, MVP companies as ‘big fish’ LATEST STORIES View comments Nadine Lustre’s phone stolen in Brazil Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college MOST READ He’s coming over to Miller’s backyard; the heavyweight known as Big Baby (23-0-1, 20 knockouts) is from Brooklyn. Joshua basically shrugs when that’s mentioned.“He gasses out, he gets hit a lot,”Joshua said of the 300-pound Miller. “He’s slow.”Miller wasn’t slow to insult Joshua at every turn Tuesday, calling the Briton everything from “phony” to “no role model” to a “prom queen.”“I am ready, you have no idea,” he said. “I breathe, eat and sleep Anthony Joshua. I got a picture on my wall of Anthony Joshua. I wake up in the morning with Anthony Joshua.“The way I got here is unconventional, something out of a fantasy book. I worked hard for this, hard. Ground it out. I got to go to war.”ADVERTISEMENT Don’t miss out on the latest news and information. Trending Articles PLAY LIST 00:50Trending Articles00:50Trending Articles04:07SEA Games: John Marvin 1st Filipino boxer to crash out, bows to Vietnam bet02:14Carpio 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 awardlast_img read more

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Mashramani 2018 dubbed a success

first_imgRepublic Day (Mashramani) celebrations 2018 have been deemed a success, and plans for the celebration of Mashramani 2019 have been launched by the Culture, Youth and Sports Ministry on Friday evening at the National Cultural Centre.Friday evening was also dedicated to reflecting on the successful completion of this year’s events.Social Cohesion Minister Dr George Norton, who was responsible for this year’s activities, announced that Republic Day activities were undoubtedly successful, and labelled the observance “one of the best we’ve ever had”. This was due to the vast support received in both organizing the events and in participation.The recipients of prizes at this year’s Mashramani Prize Giving CeremonyMinister Norton also noted that, throughout the journey along the Mash route, there were no incidents. He acknowledged the work done by the coordinator, and pledged to support the musicians for the creativity they have showcased this year.“Indeed, the year’s Republic Anniversary observance surpassed our expectations,” he said.Director of Culture, Tamika Botswain, presented a Mash report that detailed the list of activities completed this year. She said the Junior Soca Monarch was a new initiative which was done to promote more diversity and art forms. It was observed this year that soca was a crucial component of the Mash celebrations, while masquerade saw increased juvenile participation.Throughout the evening, the audience was entertained by Chutney Monarch Chaitsingh Mohanlall, Junior Calypso Moharch Jovinski Thorne, Adult Calypso Monarch Onica Joseph, and adult Soca Monarch Brandon Harding.Additionally, the event featured the prize giving ceremony, in which persons who won in this year’s Mashramani competitions were presented with their awards.Some of the schools that won included Smyth Street Nursery, Graham’s Hall Primary, South Ruimveldt Secondary, St Joseph High School, The Bishops’ High School, J E Burnham Primary and Skeldon Line Path Secondary.Later that evening, the ministry used the opportunity to launch the Mashramani celebrations for 2019, which will be held under the theme “Celebrate 49 with Victory in Mind”. Furthermore, Minister Norton has given his assurance that Mashramani would be celebrated in all regions of Guyana in 2019.last_img read more

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Milestone birthday bash ends with slices of cake

first_imgThey also thanked the 50th Anniversary Celebration Planning Committee and the city staff for putting the activities together. Serrano also added the city will host other festivities throughout the rest of the year, including building a float to be entered in the 2008 Rose Parade. The evening concluded with a cake-cutting ceremony and a council meeting, just as it did 50 years ago to the day. sandra.molina@sgvn.com (562) 698-0955, Ext. 3028 SANTA FE SPRINGS – There was music, food and laughter Tuesday as the city officially celebrated its 50th birthday in front of more than 100 guests at the historic Clarke Estate. “This evening is the culmination of a weekend of incredible birthday activities,” said Mayor Joe Serrano. Those events included a parade and carnival that hundreds attended. “Fifty years is a milestone to look back on with pride,” he continued. “We take stock of where we are and where we want to go as a community.” Serrano, Council members Ron Kernes, Louie Gonzales, Betty Putnam and Gustavo Velasco reminisced about Santa Fe Springs’ past evoking smiles and laughter from the audience. 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

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‘One more stamp from Costa and he’ll get a free coffee’ – Fans react to Chelsea striker’s antics

first_img Chelsea striker Diego Costa Chelsea striker Diego Costa is never far away from controversy, and he was in the thick of it again in Tuesday’s Capital One Cup semi-final against Liverpool.The Spain international was fortunate to stay on the pitch in a heated clash at Stamford Bridge after appearing to stamp out on both Emre Can and Martin Skrtel.Both incidents went unnoticed, surprisingly as the first on Can was in front of both dug outs, a linesman and the Fourth Official. As usual, the world of Twitter went beserk after the altercations, so we’ve rounded up some of the best reactions from fans across the world. 1last_img read more

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11 helpful financial tips with Pascal: Don’t do the Ostrich!

first_imgPascal Curran, a Letterkenny based financial advisor and founder of advicefirst.ie, has some financial tips for when we feel like burying our heads (but know deep down, that it’s only making matters muuuuch worse!)Pascal’s got your back!At Advice First Financial we think it’s only right to help our customers, in any way we can, when it comes to helping them to manage their finances – money matters are not black and white, they equate to freedom, security, peace of mind and – it means a lot to get to grips with it all – and not bury our heads! Some tips for taking a deep breath and sorting things out: Plan a household budget:A family budget can help you control your household spending so that you have enough money to pay your bills and cover the basics on an ongoing basis. When starting out to manage your money, it is important to record where you are specifically spending. Record all those little runs to the shop, the cups of coffee, the wee things we don’t realise that are costing us loads in the long-run. You need to understand where you are spending your money before you can take control. Writing it down is empowering and informative. Start an emergency fund:Always have some money put by for unexpected events – we never know what’s around the corner. A rule of thumb is to have at least 3 months’ net salary saved for emergencies. More than just a rainy day fund – this is money that could really solve a bigger problem should it arise and is important to have it saved. Get better value:There are lots of online interactive tools that can helps you compare your spending on household expenses. You can compare costs on mobile phones, broadband, groceries and energy. Using a price comparison app – or just shopping around yourself, can really maximise your budget – and save for what matters. Manage your credit card.Now this is the biggie. Firstly, know that the interest rate on your credit card is huge. Probably more than you think. Check it.. So.You should always aim to clear the balance on your credit card at the end of the month. This should be a must….If you have an outstanding balance. Set up a direct debit. You can choose what percentage you want to pay and thus avoid any unnecessary interest and charges by always paying on time.Check if you can transfer the balance to another provider who is offering a better interest rate, in fact there are a couple of providers offer 0% for a few months on balance transfers. Plan your spending; Make a list and decide what you will use your credit card for to avoid impulse spending.Check your statements; Either over the phone or on-line, reviewing your account regularly will keep you in control of your spending and avoid accidentally going over your credit limit. Get protected: Life insurance is not a luxury:If you have dependents, a life insurance plan is not a luxury, it’s a fundamental need. It helps maintain your family’s regular standard of living if something happened to the main breadwinner. If you have a mortgage you need life cover to help clear the mortgage if you pass away. If you are renting, if you pass away – how will your family afford the rent and the other household bills.We can help you understand your family’s protection needs at Advice First, well worth considering. Get your tax backDid you know that you can potentially claim tax back on many items that you are spending on?! – For example: Medical feesPension and Income Protection plansService charges for refuse collection, sewage disposal or domestic water suppliesFees paid for approved third-level coursesWhy not go to Revenue.ie for a full list of tax reliefs available or contact us at Advice First and we will be happy to put you in touch with our tax advisor. Plan for your retirement:For some of us the state pension won’t start until age 68, so having your own pension plan is vital. You can get full tax relief on the contributions – so you should really make the most of this.We can help you work out what your pension needs are, too. Become a super-saver:With credit still difficult to come by, now may be the time to devise a ‘super-savings’ plan to help you get in the habit of squirreling away as much as you can. So instead of opening just one savings account, you could open several regular savers, each designed to help pay for things like holidays, new car, third level education costs and home improvements. Be smart with your investments:Consider an investment that suits your needs by doing a risk profile test to identify what type of investment is right for you. Generally, best advice is to spread your money across different types of investments and assets. Give your finances a regular check-up:Finally, it’s really important to regularly review your finances with your Financial Advisor, this way you’ll find it easier to keep on top of things. You’ll thank yourself in the short and longer term for taking control with the support of a professional. Arrange a Financial ReviewIt will only take an hour of your time and it will be arranged at a time that suits you. You’ll feel miles better afterwards – knowing that you’ve taken a responsible step in the right direction. Each month Pascal will provide financial advice on the most frequently asked topics – here on Donegal Daily and is looking forward to further breaking down the barriers around financial advice in his renowned experienced and jargon-free way! If you would like to book a no obligations consultation with Pascal, click here or simply call  +353 74 910 39 38 to talk to us today.Follow us on Facebook & Instagram  Advice First Financial Services Ltd trading as Advice First Financial is regulated by the Central Bank of Ireland.11 helpful financial tips with Pascal: Don’t do the Ostrich! was last modified: May 29th, 2019 by Pascal CurranShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:advice firstbudgetFinancialPascal Curransavingslast_img read more

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