Joy for Princess Haya as Joviality wins at Royal Ascot

ASCOT, England // Princess Haya of Jordan graced the Royal Ascot winners' enclosure once again when Joviality struck in the Windsor Forest Stakes.

Joviality's success in the Group 2 contest followed up Beachfire's victory in the Wolfreton Handicap last year.

Ridden by Dubai regular William Buick and trained by John Gosden, Joviality held on by a neck from Chachamaidee and Lay Time.

"John has done a great job of training her and she is such a lovely filly in the stable and is very friendly and sweet with everyone," the Princess said.

For Gosden, the victory went some way to making up for Tuesday, when The Nile suffered a fatal injury in the St James's Palace Stakes.

"We had a difficult day yesterday, but ours is a strange game and a game of vicissitudes," the trainer said. "Princess Haya is a top-class horsewoman and I suggested she should lead in the filly.

"She is a consummate rider who competed in the Olympics [Sydney 2000 in showjumping] and her husband, Sheikh Mohammed, has just won a 160-kilometre endurance race in Italy when none of us could race for 16 kilometres. It's only natural they should be interested in racehorses."

So You Think's recuperation from his failure to land the Dubai World Cup continued yesterday when Aidan O'Brien's Australian import accounted for Carlton House in the Prince Of Wales's Stakes.

"I am so sorry to the Australian people that I've made a muck up for so long," the Irish trainer said. "It took me a year and a half to learn how to train him properly."

sports@thenational.ae

@SprtNationalUAE

& Geoffrey Riddle

@Louchepunter

How to protect yourself when air quality drops

Install an air filter in your home.

Close your windows and turn on the AC.

Shower or bath after being outside.

Wear a face mask.

Stay indoors when conditions are particularly poor.

If driving, turn your engine off when stationary.

ETFs explained

Exhchange traded funds are bought and sold like shares, but operate as index-tracking funds, passively following their chosen indices, such as the S&P 500, FTSE 100 and the FTSE All World, plus a vast range of smaller exchanges and commodities, such as gold, silver, copper sugar, coffee and oil.

ETFs have zero upfront fees and annual charges as low as 0.07 per cent a year, which means you get to keep more of your returns, as actively managed funds can charge as much as 1.5 per cent a year.

There are thousands to choose from, with the five biggest providers BlackRock’s iShares range, Vanguard, State Street Global Advisors SPDR ETFs, Deutsche Bank AWM X-trackers and Invesco PowerShares.

Washmen Profile

Date Started: May 2015

Founders: Rami Shaar and Jad Halaoui

Based: Dubai, UAE

Sector: Laundry

Employees: 170

Funding: about $8m

Funders: Addventure, B&Y Partners, Clara Ventures, Cedar Mundi Partners, Henkel Ventures

Why seagrass matters

Carbon sink: Seagrass sequesters carbon up to 35X faster than tropical rainforests
Marine nursery: Crucial habitat for juvenile fish, crustations, and invertebrates
Biodiversity: Support species like sea turtles, dugongs, and seabirds
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Brief scoreline:

Manchester United 2

Rashford 28', Martial 72'

Watford 1

Doucoure 90'

UAE Premiership

Results

Dubai Exiles 24-28 Jebel Ali Dragons
Abu Dhabi Harlequins 43-27 Dubai Hurricanes

Final
Abu Dhabi Harlequins v Jebel Ali Dragons, Friday, March 29, 5pm at The Sevens, Dubai

Like a Fading Shadow

Antonio Muñoz Molina

Translated from the Spanish by Camilo A. Ramirez

Tuskar Rock Press (pp. 310)

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On sale: Now

Price: From Dh650,000

UK’s AI plan

AI ambassadors such as MIT economist Simon Johnson, Monzo cofounder Tom Blomfield and Google DeepMind’s Raia Hadsell
£10bn AI growth zone in South Wales to create 5,000 jobs
£100m of government support for startups building AI hardware products
£250m to train new AI models

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.