Chelsea's John Terry argues with referee Mark Halsey after being sent off - a decision that has now been changes.
Chelsea's John Terry argues with referee Mark Halsey after being sent off - a decision that has now been changes.
Chelsea's John Terry argues with referee Mark Halsey after being sent off - a decision that has now been changes.
Chelsea's John Terry argues with referee Mark Halsey after being sent off - a decision that has now been changes.

Ferguson hits out at Hackett


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LONDON // Referees chief Keith Hackett has been cleared of any responsibility for the decision to overrule John Terry's red card at Manchester City on Saturday. Sir Alex Ferguson accused Hackett of being behind the move, which frees the Chelsea skipper to play against the Red Devils at Stamford Bridge on Sunday. Ferguson, who has been involved in angry exchanges with Hackett before, believes the general manager of the Professional Game Match Officials Board personally stepped in to get Terry off the hook after referee Mark Halsey refused to overturn his original decision to send off the England captain.

Halsey had dismissed Terry for serious foul play after he had grabbed City striker Jo in Chelsea's 3-1 win, but an independent FA regulatory commission overturned the decision. However, the PGMO insist Hackett was not involved in any about-turn at all. "All matters of discipline are an issue for the FA - and them alone," said a spokesman for the organisation. Indeed, Ferguson could now find himself in trouble with the Football Association after his strong criticism of the decision.

Having already seen his cental defencder Nemanja Vidic suspended following his sending off for two bookable offences at Liverpool last Saturday, the United manager at least felt Terry's absence would even the situation up for the Premier League encounter. Feguson said "As I understand it Hackett told Mark Halsey to rescind the red card and he wouldn't do it. "I understand Halsey is being made to referee in the second division this weekend. I just don't understand how this could have happened. If it had been Manchester United, Hackett would not have done this.

"In future, if referees are seen to make mistakes then this [demotion] is going to have to happen all the time." Halsey has not commented on the matter and has been informed he will take charge of the Coca-Cola League Two encounter between Chester and Shrewsbury on Sunday. * PA Sport

Tips for newlyweds to better manage finances

All couples are unique and have to create a financial blueprint that is most suitable for their relationship, says Vijay Valecha, chief investment officer at Century Financial. He offers his top five tips for couples to better manage their finances.

Discuss your assets and debts: When married, it’s important to understand each other’s personal financial situation. It’s necessary to know upfront what each party brings to the table, as debts and assets affect spending habits and joint loan qualifications. Discussing all aspects of their finances as a couple prevents anyone from being blindsided later.

Decide on the financial/saving goals: Spouses should independently list their top goals and share their lists with one another to shape a joint plan. Writing down clear goals will help them determine how much to save each month, how much to put aside for short-term goals, and how they will reach their long-term financial goals.

Set a budget: A budget can keep the couple be mindful of their income and expenses. With a monthly budget, couples will know exactly how much they can spend in a category each month, how much they have to work with and what spending areas need to be evaluated.

Decide who manages what: When it comes to handling finances, it’s a good idea to decide who manages what. For example, one person might take on the day-to-day bills, while the other tackles long-term investments and retirement plans.

Money date nights: Talking about money should be a healthy, ongoing conversation and couples should not wait for something to go wrong. They should set time aside every month to talk about future financial decisions and see the progress they’ve made together towards accomplishing their goals.

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