Wales captain Gareth Bale has announced his retirement from football aged just 33.
The former Southampton, Tottenham and Real Madrid forward made his final competitive appearance during Wales’ World Cup group stage fixture with England on November 29.
He ended his club career playing in the US with Los Angeles FC, and scored a dramatic equaliser in extra time to help his side win the MLS Cup in November.
Bale, his country's most-capped men’s player with 111 appearances and top scorer with 41 goals, wrote on his social media accounts: “After careful and thoughtful consideration, I announce my immediate retirement from club and international football.
“I feel incredibly fortunate to have realised my dream of playing the sport I love.
“It has truly given me some of the best moments of my life. The highest of highs over 17 seasons, that will be impossible to replicate, no matter what the next chapter has in store for me.”
It was during his spell at Spanish giants Real Madrid that Bale's club career hit glittering new highs.
After joining Real from Tottenham Hotspur for €100 million in 2013, Bale went on to win 16 major trophies at the club, including five Champions Leagues, three La Ligas and one Copa del Rey.
He also won three Fifa Club World Cups, three Uefa Super Cups and a Spanish Super Cup.
The 32-year-old scored more than 100 goals for Real, three of them coming in Champions League finals, including a stunning overhead-kick against Liverpool in 2018.
“From my very first touch at Southampton to my last with LAFC and everything in between, shaped a club career that I have an immense pride and gratitude for," added Bale in his statement. "Playing for and captaining my country 111 times has truly been a dream come true.
“To show my gratitude to all of those that have played their part along this journey, feels like an impossibility. I feel indebted to many people for helping to change my life and shape my career in a way I couldn’t have ever dreamed of when I first started out at nine years old.
“To my previous clubs, Southampton, Tottenham, Real Madrid and finally LAFC. All of my previous managers and coaches, back room staff, team mates, all the dedicated fans, my agents, my amazing friends and family, the impact you have had is immeasurable.”
Bale led his country from the international football wilderness to qualify for two European Championships, reaching the semi-finals of Euro 2016, and a first World Cup since 1958.
Bale scored from the penalty spot in Wales' 1-1 draw with USA in Qatar, but defeats to Iran and England saw Wales bow out in the group stage.
While the five-time Champions League winner insisted that he may carry on, the Cardiff-born attacker has now decided to hang up his boots.
"My decision to retire from international football has been by far the hardest of my career," Bale added.
"How do I describe what being a part of this country and team means to me? How do I articulate the impact it has had on my life? How do I put into words the way I felt every single time I put on that Welsh shirt? My answer is that I couldn't possibly do any of those things justice simply with words.
"But I know that every person involved in Welsh football feels the magic and is impacted in such a powerful and unique way, so I know you feel what I feel without using any words at all.
"My journey on the international stage is one that has changed not only my life but who I am. The fortune of being Welsh and being selected to play for and captain Wales has given me something incomparable to anything else I've experienced.
"I'm honoured and humbled to have been able to play a part in the history of this incredible country, to have felt the support and passion of the Red Wall and together have been to unexpected and amazing places.
War
Director: Siddharth Anand
Cast: Hrithik Roshan, Tiger Shroff, Ashutosh Rana, Vaani Kapoor
Rating: Two out of five stars
Why your domicile status is important
Your UK residence status is assessed using the statutory residence test. While your residence status – ie where you live - is assessed every year, your domicile status is assessed over your lifetime.
Your domicile of origin generally comes from your parents and if your parents were not married, then it is decided by your father. Your domicile is generally the country your father considered his permanent home when you were born.
UK residents who have their permanent home ("domicile") outside the UK may not have to pay UK tax on foreign income. For example, they do not pay tax on foreign income or gains if they are less than £2,000 in the tax year and do not transfer that gain to a UK bank account.
A UK-domiciled person, however, is liable for UK tax on their worldwide income and gains when they are resident in the UK.
SERIE A FIXTURES
Saturday Spezia v Lazio (6pm), Juventus v Torino (9pm), Inter Milan v Bologna (7.45pm)
Sunday Verona v Cagliari (3.30pm), Parma v Benevento, AS Roma v Sassuolo, Udinese v Atalanta (all 6pm), Crotone v Napoli (9pm), Sampdoria v AC Milan (11.45pm)
Monday Fiorentina v Genoa (11.45pm)
About Krews
Founder: Ahmed Al Qubaisi
Based: Abu Dhabi
Founded: January 2019
Number of employees: 10
Sector: Technology/Social media
Funding to date: Estimated $300,000 from Hub71 in-kind support
UEFA CHAMPIONS LEAGUE FIXTURES
All kick-off times 10.45pm UAE ( 4 GMT) unless stated
Tuesday
Sevilla v Maribor
Spartak Moscow v Liverpool
Manchester City v Shakhtar Donetsk
Napoli v Feyenoord
Besiktas v RB Leipzig
Monaco v Porto
Apoel Nicosia v Tottenham Hotspur
Borussia Dortmund v Real Madrid
Wednesday
Basel v Benfica
CSKA Moscow Manchester United
Paris Saint-Germain v Bayern Munich
Anderlecht v Celtic
Qarabag v Roma (8pm)
Atletico Madrid v Chelsea
Juventus v Olympiakos
Sporting Lisbon v Barcelona
Building boom turning to bust as Turkey's economy slows
Deep in a provincial region of northwestern Turkey, it looks like a mirage - hundreds of luxury houses built in neat rows, their pointed towers somewhere between French chateau and Disney castle.
Meant to provide luxurious accommodations for foreign buyers, the houses are however standing empty in what is anything but a fairytale for their investors.
The ambitious development has been hit by regional turmoil as well as the slump in the Turkish construction industry - a key sector - as the country's economy heads towards what could be a hard landing in an intensifying downturn.
After a long period of solid growth, Turkey's economy contracted 1.1 per cent in the third quarter, and many economists expect it will enter into recession this year.
The country has been hit by high inflation and a currency crisis in August. The lira lost 28 per cent of its value against the dollar in 2018 and markets are still unconvinced by the readiness of the government under President Recep Tayyip Erdogan to tackle underlying economic issues.
The villas close to the town centre of Mudurnu in the Bolu region are intended to resemble European architecture and are part of the Sarot Group's Burj Al Babas project.
But the development of 732 villas and a shopping centre - which began in 2014 - is now in limbo as Sarot Group has sought bankruptcy protection.
It is one of hundreds of Turkish companies that have done so as they seek cover from creditors and to restructure their debts.
Keep it fun and engaging
Stuart Ritchie, director of wealth advice at AES International, says children cannot learn something overnight, so it helps to have a fun routine that keeps them engaged and interested.
“I explain to my daughter that the money I draw from an ATM or the money on my bank card doesn’t just magically appear – it’s money I have earned from my job. I show her how this works by giving her little chores around the house so she can earn pocket money,” says Mr Ritchie.
His daughter is allowed to spend half of her pocket money, while the other half goes into a bank account. When this money hits a certain milestone, Mr Ritchie rewards his daughter with a small lump sum.
He also recommends books that teach the importance of money management for children, such as The Squirrel Manifesto by Ric Edelman and Jean Edelman.
