Joe Allen of Wales, second right, celebrates with teammates after a goal during their Euro 2016 Group B win over Russia on Monday night. Pascal Guyot / AFP / June 20, 2016
Joe Allen of Wales, second right, celebrates with teammates after a goal during their Euro 2016 Group B win over Russia on Monday night. Pascal Guyot / AFP / June 20, 2016
Joe Allen of Wales, second right, celebrates with teammates after a goal during their Euro 2016 Group B win over Russia on Monday night. Pascal Guyot / AFP / June 20, 2016
Joe Allen of Wales, second right, celebrates with teammates after a goal during their Euro 2016 Group B win over Russia on Monday night. Pascal Guyot / AFP / June 20, 2016

Wales win, England waffle and Joe Allen, yes, looks pretty good: Euro 2016 talking points


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Every match day during Euro 2016, The National’s Premier League correspondent Greg Lea will break down every match and its key moments. Here is his analysis of Monday’s action in the tournament.

Russia 0–3 Wales: Bale leads charge for Group B winners

England’s failure to beat Slovakia meant Wales topped Group B after this thumping defeat of a Russia side who have perhaps been the worst team at the tournament.

Chris Coleman’s players signalled their intent in the opening minutes of this clash in Toulouse, allowing Russia possession of the ball but springing forward quickly to intercept any loose passes or sloppy first touches before setting off on the counter-attack.

While Russia struggled to find a way through, their lack of creation, speed, spark and invention again exposed, Wales were incisive and potent on the counter-attack.

Gareth Bale positioned himself intelligently behind midfielders Pavel Mamaev and Denis Glushakov so he could run straight at the heart of the Russian defence as soon as he was fed possession, with Joe Ledley, Joe Allen and Aaron Ramsey always looking to be progressive with their passing.

The Welsh players executed their manager’s game plan expertly, but facing such obliging opponents was a huge advantage.

The space Russia allowed a team who are known to be extremely dangerous on the break was staggering. Granted, Leonid Slutsky’s men needed to win to stand any chance of advancing to the round of 16, but their defensive shape was often staggering.

Not only were Wales afforded acres of room in behind the Russian backline, they were also able to exploit huge gaps in the middle of the park, with Allen, Ramsey, Bale and Sam Vokes taking advantage of a non-existent midfield to simply carry the ball through the centre of the pitch.

As Wales advance to the knockout stage full of pride and self-belief, Russia go home with a point more than their performances merited and plenty of questions that need answers.

More Euro 2016

• Richard Jolly: England, the serial second-placers, on course to repeat past mistakes

• Full coverage: Visit The National's dedicated Euro 2016 microsite

• Complete guide: Previews, fixtures, predictions and more

Slovakia 0–0 England: Frustration abounds as missed chances prove costly

For the third game running, England dominated possession, created numerous goalscoring opportunities and controlled large portions of the game.

For all that, though, Roy Hodgson’s men managed to collect only five points from meetings with Russia, Wales and Slovakia and now go through to the last 16 as group runners-up.

There can be no denying that this goalless draw was a major disappointment. England were pretty much guaranteed a place in the next round regardless of Monday’s result, but this match was still a chance for them to lay down a marker ahead of the competition heating up when 24 teams become 16 this week.

Instead, England again showed the lack of clinical edge and ruthless streak that could prevent them from reaching the final four in France, which seems to be the objective among both supporters and the Football Association.

Hodgson’s charges had plenty of chances to win this game, but poor finishing can only be excused for so long. It was the same problem against Russia and Wales, and a failure to put away opportunities will eventually cost them their place at the tournament.

The cautious optimism that accompanied England before the competition got under way has been severely dented. Throwing away first place in the group could come back to haunt them.

Player of the day

Gareth Bale and Aaron Ramsey were excellent, so too Eric Dier for England and Matus Kozacik for Slovakia, but Joe Allen takes the prize for yet another impressive all-round display in the Wales engine room.

Goal of the day

Wales’ first was a sign of things to come, with the ball pinched in midfield and transferred forwards quickly – their main method of attack all night. Joe Allen’s incisive through-ball cut Russia open, before Aaron Ramsey collected it in his stride and applied a lovely dinked finish to give the Welsh the lead.

Howler of the day

Things could have been even worse for England had Chris Smalling’s casual chest control in his own penalty area been punished by Robert Mak.

Moment of the day

Wales’ players and supporters were understandably jubilant after securing first place in Group B, with Joe Ledley’s dance moves the undoubted highlight of the celebrations.

Statistic of the day

England have won only four matches at international tournaments since the 2006 World Cup.

Thing to look forward to

Croatia v Spain is a meeting of the two most impressive sides at Euro 2016 so far.

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Red Joan

Director: Trevor Nunn

Starring: Judi Dench, Sophie Cookson, Tereza Srbova

Rating: 3/5 stars

How to become a Boglehead

Bogleheads follow simple investing philosophies to build their wealth and live better lives. Just follow these steps.

•   Spend less than you earn and save the rest. You can do this by earning more, or being frugal. Better still, do both.

•   Invest early, invest often. It takes time to grow your wealth on the stock market. The sooner you begin, the better.

•   Choose the right level of risk. Don't gamble by investing in get-rich-quick schemes or high-risk plays. Don't play it too safe, either, by leaving long-term savings in cash.

•   Diversify. Do not keep all your eggs in one basket. Spread your money between different companies, sectors, markets and asset classes such as bonds and property.

•   Keep charges low. The biggest drag on investment performance is all the charges you pay to advisers and active fund managers.

•   Keep it simple. Complexity is your enemy. You can build a balanced, diversified portfolio with just a handful of ETFs.

•   Forget timing the market. Nobody knows where share prices will go next, so don't try to second-guess them.

•   Stick with it. Do not sell up in a market crash. Use the opportunity to invest more at the lower price.

Company%20Profile
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The biog

Born: near Sialkot, Pakistan, 1981

Profession: Driver

Family: wife, son (11), daughter (8)

Favourite drink: chai karak

Favourite place in Dubai: The neighbourhood of Khawaneej. “When I see the old houses over there, near the date palms, I can be reminded of my old times. If I don’t go down I cannot recall my old times.”

UAE currency: the story behind the money in your pockets
Multitasking pays off for money goals

Tackling money goals one at a time cost financial literacy expert Barbara O'Neill at least $1 million.

That's how much Ms O'Neill, a distinguished professor at Rutgers University in the US, figures she lost by starting saving for retirement only after she had created an emergency fund, bought a car with cash and purchased a home.

"I tell students that eventually, 30 years later, I hit the million-dollar mark, but I could've had $2 million," Ms O'Neill says.

Too often, financial experts say, people want to attack their money goals one at a time: "As soon as I pay off my credit card debt, then I'll start saving for a home," or, "As soon as I pay off my student loan debt, then I'll start saving for retirement"."

People do not realise how costly the words "as soon as" can be. Paying off debt is a worthy goal, but it should not come at the expense of other goals, particularly saving for retirement. The sooner money is contributed, the longer it can benefit from compounded returns. Compounded returns are when your investment gains earn their own gains, which can dramatically increase your balances over time.

"By putting off saving for the future, you are really inhibiting yourself from benefiting from that wonderful magic," says Kimberly Zimmerman Rand , an accredited financial counsellor and principal at Dragonfly Financial Solutions in Boston. "If you can start saving today ... you are going to have a lot more five years from now than if you decide to pay off debt for three years and start saving in year four."

Who's who in Yemen conflict

Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government

Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council

Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south

Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory

The team

Photographer: Mateusz Stefanowski at Art Factory 
Videographer: Jear Valasquez 
Fashion director: Sarah Maisey
Make-up: Gulum Erzincan at Art Factory 
Model: Randa at Art Factory Videographer’s assistant: Zanong Magat 
Photographer’s assistant: Sophia Shlykova 
With thanks to Jubail Mangrove Park, Jubail Island, Abu Dhabi 

 
RACECARD

6pm Emaar Dubai Sprint – Conditions (TB) $60,000 (Turf) 1,200m

6.35pm Graduate Stakes – Conditions (TB) $100,000 (Dirt) 1,600m

7.10pm Al Khail Trophy – Listed (TB) $100,000 (T) 2,810m

7.45pm UAE 1000 Guineas – Listed (TB) $150,000 (D) 1,600m

8.20pm Zabeel Turf – Listed (TB) $100,000 (T) 2,000m

8.55pm Downtown Dubai Cup – Rated Conditions (TB) $80,000 (D) 1,400m

9.30pm Zabeel Mile – Group 2 (TB) $180,000 (T) 1,600m

10.05pm Dubai Sprint – Listed (TB) $100,000 (T) 1,200m 

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What is the definition of an SME?

SMEs in the UAE are defined by the number of employees, annual turnover and sector. For example, a “small company” in the services industry has six to 50 employees with a turnover of more than Dh2 million up to Dh20m, while in the manufacturing industry the requirements are 10 to 100 employees with a turnover of more than Dh3m up to Dh50m, according to Dubai SME, an agency of the Department of Economic Development.

A “medium-sized company” can either have staff of 51 to 200 employees or 101 to 250 employees, and a turnover less than or equal to Dh200m or Dh250m, again depending on whether the business is in the trading, manufacturing or services sectors. 

The specs
 
Engine: 3.0-litre six-cylinder turbo
Power: 398hp from 5,250rpm
Torque: 580Nm at 1,900-4,800rpm
Transmission: Eight-speed auto
Fuel economy, combined: 6.5L/100km
On sale: December
Price: From Dh330,000 (estimate)