The Wright Decision

July 19th 2005, the morning after his dream transfer to the English Premier League champions, Shaun Wright-Phillips must have woken up feeling like the happiest man alive. He had just been unveiled as the answer to Chelsea’s right-sided «problem», and the stage was set for Shaun to stake his claim as the best right winger in England even pushing for David Beckham’s starting role.

Fast forward ten months and Shaun must now be echoing his adopted father’s sentiments that he should have signed for Liverpool. Admittedly Ian Wright’s comment was tongue in cheek, but few would argue that Anfield would have been the more logical destination last summer. Not only would he have been guaranteed all those games where Steven Gerrard, Dribril Cisse, Jan Kromkamp, Steve Finnan and Luis Garcia provided makeshift cover at right-midfield, but he would most certainly have been included in Sven Goran Eriksson’s swan song. As it stands he is not even on the stand by list.

For once Sven has shown the courage to select his England squad based on form alone. For the 15 or so games that Wright-Phillips was granted access to the playing field by Jose Mourinho he has failed to impress and surely Aaron Lennon is ahead of him on merit. One could even argue that were Lennon to have picked up an injury then Birmingham’s Jermaine Pennant should replace him rather than Wright-Phillips. It is one thing to gamble on a half fit Michael Owen or Wayne Rooney, but for all the hype Shaun is really in the same category as Andy Johnson and Darren Bent. All three have only had one solid EPL season and remain unproven at the highest level.

A transfer to one of the Big Four clubs should never be enough to guarantee an international place. Scott Parker quickly learnt that in order to re-ignite his career, a move away from Stanford Bridge was necessary. Only a brave man would put money on Shaun Wright-Phillips still being a Chelsea player in three months time.

    Career Highlights

    October 25, 1981
    Born in Greenwich, London

    1996
    Released by Nottingham Forest for being «too small»

    August 18, 2004
    Scores on his England debut against Ukraine

    July 18, 2005
    Joins Chelsea for £21million

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5 Reasons Financial Planning Is Different For Women Than Men

Financial planning saves a lot of stress and anxiety over money. Both men and women – single or married – should take part in planning for their future. But women face a different set of challenges.

This article is not intended to express how difficult it is to be a woman. Women have tremendous opportunities and have already come a long way in the working world.

That being said, their financial planning needs can be altered in many ways by factors that may be out of their control.

The 5 reasons women need to plan differently are outlined below. They may not be applicable in every case, but women are more likely to experience these factors than men. With clarity, a well thought out and evolving financial plan, women can achieve financial confidence, independence and peace of mind.

Increased Longevity

Women are estimated to live 5 to 6 years longer than men. This increased longevity means that their retirement savings needs to last longer. During those extra years, they may incur even more expenses. Health concerns may surface or the need for skilled care may arise. All of this amounts to increased expenditures during your later years of life.

Longevity that isn’t planned for can put a strain on retirement savings. Women should not plan on receiving or inheriting money from their spouse. With the declining availability of defined benefit pensions, people remaining unmarried or marriages ending in divorce, a monthly check from a spouse’s pension, may not be an option. Women need to plan for personal longevity because of this.

Break In Employment

It is not uncommon for a female to take a break from employment when children are being born and raised. Some women decide to quit their corporate gig and become a stay at home mom. Or… they trade in their higher paying job for one that offers more flexibility and better hours. This puts them in a position where less personal income is coming in. This has a significant impact on their ability to save for retirement.

Also, getting back into the labor market right where they left off can be difficult. After years away, technology, younger workers, more experienced workers, and industry changes can make this harder to do. Women taking a break in employment to raise a family may face these obstacles when trying to re-enter the workforce.

Life as a Woman Costs More

It doesn’t come as a surprise that females generally spend more in certain areas than men. The entire beauty and cosmetic industries are largely focused on women. Generally, women spend more on makeup, hair and skin care products. They generally spend more on clothing, shoes and accessories as well. The above expenses tend to occur on a much more frequent and recurring basis. Men don’t spend nearly as much on these.

Additional financial planning and budgeting can help reign in any excessive spending in this category. In most cases, even tightening the belt on some of these items may not solve the problem. Life as a woman… still costs more.

Women Are More Likely To Experience Independence

Whether it is due to outliving their spouse, being single, widowed or divorced, women are more likely to be the sole financial decision maker at some point in their life. This is another reason why it is important to have a financial plan that prepares for the future. In previous generations, women were accustomed to taking a back seat with finances. This is no longer the case. Today a proactive approach to future financial needs is always advisable.

Women May Earn Less Than Men

This is a long standing concern. Women statistically earn less than men. Women may take a break in employment which may hinder their salary growth, or they are less likely to ask for a raise which causes them to be treated differently compared to their male counterparts.

This may have a significant effect on their future financial situation. The good news is that both men and women have the same opportunity to prepare for retirement. The sooner you are able to start investing and planning for your retirement, the better prepared you will be. The longer you allow your money to grow and compound, the more stable your financial future will be.

In Summary:

All of these reasons need to be factored in when determining your financial plan. Woman tend to be challenged by these 5 concerns more often than men. Regardless of salary or marital status, the sooner and more focused women are to take control of their finances… the better off they will be.

If you have a mother, sister, daughter or friend that is struggling to find financial independence, feel free to give us a call. We specialize in helping women find clarity and solutions to reduce financial stress and simplify life. We can be reached at 716-662-4470.

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Tips to Consider For Job Searching

For a newly grad individual it is both scary and exciting to do your first job search. Sometimes it may lead you to heights you did not expect at all or sometimes to places you might regret but here are no regrets in finding a job that will open your senses and provide you with financial freedom. For those who are planning to embark on the very important job search, here are some tips to get started and of course, to be successful.

• Have you made that resume? The resume is essential for your entire job search. Be it person to person or through the internet, a good resume will ensure that you have your arsenal with you. Aside from your arsenal, do you have your portfolio with you? For more creative jobs and for those who documented their success or even achievements, a portfolio or a file that is carefully organized is essential.

• Know yourself. Sometimes, even if you are a graduate, there are some things like hobbies that seem to have developed throughout the years in your college life that made more of an impact on you. If you have taken units and had firsthand experience with these hobbies and there are available portfolios or other essential information about it, then bring it and maybe you can find a job as an assistant or any other kind of entry level job.

• For the new grads, a good way to start your job search is to join a job bulletin site where thousands of jobs are available to you. Post your resume and make an account and specify your specific areas of expertise.

• Do well in your internship. It is best to start early in your job search. If you have worked with a good company as an intern then you already have a great start. Work well with the people and make sure you are not forgettable (in a good way) by making your work shine and your personality pleasing. You do not need to be loud.

• Let the job sites search for you! There are sites that are geared for employers to see how you pitch yourself. Sites like Pitch your talent is a great site for applicants to put their best foot forward and play with their strengths.

• In a job set up, weaknesses in your work can be revealed as a result of your education or state of mind. It is important to know how to lessen the bad or negative attitudes and weaknesses to rake havoc in your job search, this could limit your choices and make you less confident about job finding.

• It is also good to explore and market yourself using blogs, social networking sites and other forms of interaction. Do not be afraid if you know you have what it takes to do something spectacular.

Job searching is a very exciting thing and with the right attitude and the things to say, you will not become part of the statistics of new graduates who cannot find jobs. Sometimes, it is all about marketing yourself and really playing your cards well. Do not be afraid if you know you can do it. Maximize your strengths but always be humble.

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What Fans Love About Cric Buzz

Cric buzz is a site that enables cricket fans to obtain just about any information surrounding cricket. With the new rapid-fire cricket, an increasing number of individuals are showing interest in cricket. Every cricket enthusiast looks for a certain place where one can visit and browse for some current details on anything to do with cricket.

Cric buzz is now accessible through mobile phones. You can obtain the quickest cricket score updates as well as ball-by-ball commentary online at your fingertips, where ever you are. The amazingly fast pace of the commentary ascertains you are informed about the happenings in real-time. Capabilities include Live Scores, Score cards of just completed matches, Ball-by-Ball Commentary, Series Standings, International Cricket Schedule and Photo Gallery.

Aside from cricket scores, Cricbuzz has several other information on cricket. It has a news category where you can browse through the most recent news surrounding cricket and updates on the action inside and outside the ground. Cricbuzz features all the details including matches, venues, dates and up and coming matches. You may also try Cricbuzz chat, which is a one-of-a-kind option provided by the site for global fans to interact on a common platform. Even more, you can play an awesome online cricket games using the Fantasy Cricket category.

You’ll be able to find all these information for all ODIs, Tests, Twenty20 Internationals and well-known competitions such as the Cricket World Cup, Indian Premier League IPL and Champions League. To say the least, Cric buzz is the ultimate place for anyone passionate about cricket.

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Lawyers For Labor Law Representation

lawyers deal with a wide array of cases that fall under the legal branch of labor law. These include discrimination on the basis of gender, race or age, sexual harassment, negligence in terms of safety conditions at work, issues of slavery and wages. These cases are usually extensive and demanding of both the defense and the prosecution sides, thus there is need to pick out the most competent lawyer to represent your case.

Lawyers represent both corporate as well as individual clients who have a labor law case to pursue. The best ones are of course who have the portfolios that show these two types of clients as this will indicate to you what their legal philosophy is concerning labor rights and the issues that pertain to these. Therefore when factoring in which labor law attorney will represent your case it is very important to find a layer who does not have contradicting views as yours regarding the work place case that you are involved in. Give that some cases of labor discrimination are embarrassing, be certain about the lawyer's stance toward discrimination, harassment, and abuse.

Lawyers are widely available on the internet through specialized legal advice sites. The lawyers that can be easily accessed and that are recommended by the trustworthy sites are a good place to start in your search for a labor law attorney. Seeking the advice of friends and other clients who have been represented by this lawyer is also highly recommended. Lawyers are best found through the legal authorities such as the Bar Association, the Law Society, and the Solicitors Regulation Authorities among others. In fact, this latter method of finding a labor law attorney is the most preferred given the large number of firms and lawyers that are in the city.

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Indian Premier League – A Cricketing Extravaganza Or Something Else

Cricket has gone through a strong metamorphosis, moving from the 5 day test match pattern to one-day internationals that give 50 overs a team and now, we are into an even more compact format of cricket called T20 or twenty-twenty. The twenty-twenty format shrinks the game further to just 20 overs per team. The present T20 world cup is supposed to be held from 30th April to 16th May 2010. In addition, we also have different competitive events like the Sharjah Cup, the Champion’s Trophy and so on. Given the slew of cricketing events and the massive fan following they have it was only a matter of time before a sports entrepreneur decided to capitalize on this phenomenon and build one of India’s largest sporting extravaganzas of all time. And India being a cricket-crazy nation, the Indian Premier League, which is closely modeled on the hugely successful English Premier League found almost instant fan following.

So, the first installment of the IPL began in 2008, with 8 teams – Delhi Daredevils, Rajasthan Royals, Mumbai Indians, Chennai Super Kings, Kolkata Knight Riders, Deccan Chargers, Kings XI Punjab, Royal Challengers Bangalore. The teams are essentially named after specific Indian states, and they are owned by different entities beginning with movie stars, media conglomerates, and industrialists and so on. There was massive media frenzy around the whole event as it started in early 2008, with international players, Indian players all up for grabs and a huge auction following it. The teams were formed and the matches began. The model was interesting in more ways than one. First, players of the same country were being pitted against each other many-a-time. So, as far as the sport went, we could see the magic of Muralidharan along with the keeping of Dhoni in one team. As with seeing Tendulkar and Jayasurya bat on the same side! Secondly, the teams were all tied to different states or cities. So a Mumbai Indians match versus say Kings XI Punjab was played in Mumbai or in Punjab, and somehow the scintillation of watching a Mumbai team in Mumbai or a Deccan team in AP was brought out, much like how fans find watching Man U play at Old Trafford more enjoyable than any other Man U match! It even served to unite a state with the underlying theme being cricket. So, while different teams won and lost at different times, the winner clearly was cricket. At the same time, the whole franchise is valued at over $4 billion!

And so, as is the case with any event that gathers instant stardom and is worth billions of dollars, this one found its controversies as well. Even the Beijing Olympics that were executed to inch-perfect perfection were not spared the controversy, from lip-syncing ceremony performers to instant shutdown of polluting factories. So how can this sporting enterprise be spared?

So, IPL2 – the second installment was mired in controversy over security. The event clashed with General Elections in India and so security was of paramount concern. The Government requested the organizers to postpone the tournament till after the elections, but this was refused since apparently TV rights and slots had been booked. So amid a lot of controversy and hue and cry the tournament shifted to South Africa, leaving a disgruntled Indian Government and disappointed Indian fans in its wake.

IPL3 was not spared as well. When peace talks with Pakistan hit an impasse, some political parties were up in arms against allowing Pakistani players from participating in the IPL. Yet again, the papers screamed out about how some politicians were interfering in sport, and how the unifying spirit of sport was being squandered and so on. Finally newer players were given a chance and the Pakistani players didn’t indeed get a chance to play in IPL3.

Now IPL4 though, attracted controversy before it could even begin and this controversy has threatened the entire existence of the enterprise – the biggest controversy so far.

As per the original plan by the organizers, 2 more teams were to be added to the IPL franchise in 2011 – Pune and Kochi. There apparently have been some wrongdoings in terms of money laundering and corruption underlying some dealings and the way the auctions and franchises have been conducted are allegedly not very transparent. So, the past few weeks have brought out a lot of murkiness in the story to the fore. Now, one of the proposed 2 new teams was Kochi, in Kerala. The IPL chief, Lalit Modi tweeted once revealing the winners of the Kochi team and also commented that a Kerala MP, and Union Minister Dr. Shashi Tharoor was involved in ‘mentoring’ the team. It came to the fore that the winning bidder, Rendezvous Sports World belonged to Dr. Tharoor’s friend, Sunanda Pushkar. What followed was a murky mud-slinging exercise, with allegations of wrongdoing flying on all sides. On one side the union minister was accused of pocketing some money himself, the financial capability of Ms. Pushkar was called into question, the union minister’s involvement was looked upon with suspicion, his friendship with Ms. Pushkar was questioned and just like it takes a pinprick to open up a can of worms, all skeletons came tumbling out of the IPL closet.

The taxmen then stepped up and started scrutinizing the records of the bidding process. The bid documents of two legitimate bidders who lost were interestingly missing. The winning franchise owners were not spared either. Save for a couple of teams like say the Chennai Super Kings with 100% ownership by India Cements, many other teams seemed to have ownership by different entities, some hailing from tax havens like the British Virgin Islands as well! Clearly the IPL had ventured into a lot more than just cricket and unification of the sport.

Dr. Tharoor was asked to step down, since it looked as if the minister was exploiting his governmental powers and the Indian Opposition demanded the same of the ruling coalition. Ms. Pushkar gave up her sweat equity in an attempt to prevent the resignation of the minister. As if that were not enough, the erstwhile BCCI (Board of Cricket Control in India) president Mr. Sharad Pawar and his political party were drawn into the controversy. And when accosted, Mr. Pawar, with whose blessings Lalit Modi had started the IPL franchise, had to disown it all. And then, apparently Multi Screen Media (MSM), an arm of Sony Entertainment Television paid all of Rs. 125 crore or 1.25 billion rupees to World Sports Group (WSG) for broadcast rights. This money apparently has flown to several beneficiaries with ‘political connections’.

The controversy keeps getting murkier and different entities and their nefarious interests keep coming to the fore. And while all this is happening, Mumbai Indians take on Chennai Super Kings in a face/off on Sunday – April 25th. Whether that match is interesting or otherwise, the IPL controversy sure makes for interesting early morning coffee time reading!

What does all this mean for me as an Indian? Well, I was exposed to how a business can take shape out of an Indian fan phenomenon. At school, we had a representative of an IPL team come and give us a talk on their business plan and proposition and that was when I realized how an entrepreneur could capitalize on the two things that stoke the Indian imagination – cricket and glamor. The combination came as a masterstroke. And now, with the whole franchise embroiled in controversy, another Indian phenomenon has come to the fore and that is the quintessential C for corruption which nowadays seems to underline every enterprise that plans to take shoot in India. Till the controversy opens itself up, I guess we at least have enough stories as fodder for the media and enough to fill up newsprint. So no matter who wins this battle of who is the most corrupt of them all, the winner most definitely is the media that finally has one of the juiciest Indian story of all time.

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City Failed to Reach the 4th

Manchester City failed to rise to number four while the Premier League standings, on Sunday (25 / 4). The Citizens only played a goalless draw against a strong team, Arsenal at the Emirates Stadium.

Seizing the fourth English Premier League this season is no less exciting with the seizure of the first position. Chelsea and Manchester United took turns filling the top positions in the last three weeks this season. Fourth place or last place to get into next season’s Champions League zone contested by Tottenham Hotspur and Manchester City.

Manchester United’s game this week to temporarily pushed into the top position after beating Spurs 3-1. The result is an opportunity for Roberto Mancini’s squad to be able to shift from the safe zone Hotspur Champions League with a requirement to pick full points from Arsenal at the Emirates today

However, it seems luck has not sided with the city. The Gunners are still too strong to be conquered, let alone play at own game. Can hold 0-0 draw with Arsene Wengar team has been a fair enough result for the club, who recently was suddenly rich. Facing the team that stuck in third place this time, Man. City can not do more in the game today. Because, in the first round Carlos Teves et al. never bother goalkeeper Lukasz Fabianski. This situation caused most of the City players busy doing defense and difficulties to build a dangerous counter attack.

In the second half after Emmanuel Adebayor enter The Citizen occasionally can be done to pressure Arsenal. However, the host did not loosen the attack, especially when substitute Nicklas Bendtner Theo Walcott signed. Strikes, strikes Gunners far more dangerous in front of goal City. Swift pressure to City defense. City, forcing Shay Given had to fall up to secure post.

As a result, minute-76 goalkeeper was no longer able to continue the match due to injury in his shoulder after a hard kick to block the release Abou Diaby. Gunnar Neilsen Given that replaces the task may look good with an opportunity to confront all Arsenal until the game ended.

The draw makes Manchester City remains stuck in fifth position achieve standings with one point in three games left this season. While more difficult to shake Arsenal in third place despite the Premier League title chances have been closed.

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