Graham Henry vows no All Blacks complacency against France



AUCKLAND // France expect no quarter to be given or asked when they go toe-to-toe with the New Zealand pack in the battle for forwards supremacy tomorrow's World Cup final, prop Nicolas Mas said yesterday.

New Zealand's best-selling newspaper, The Herald, led its rugby coverage yesterday with the splash "A history of Gallic brutality" above an article by former All Blacks captain Wayne Shelford headlined: "Beware the filth of the French".

Shelford, who played in the so-called "Battle of Nantes" in 1986, in which the French played very aggressively, warned his compatriots that tomorrow's opponents might resort to "desperate measures".

The French have, however, shed their reputation for ill-discipline and foul play over the past decade, and Mas said he expected both sides to be equally aggressive as they sought to win rugby's biggest prize.

"All rugby matches are aggressive and the All Blacks are aggressive," the tight-head prop said. "They are not angels, either. But that is the way the game is played."

New Zealand were eliminated from the 1999 and 2007 World Cups by French sides, and Graham Henry, the All Blacks coach, vowed there would be no complacency this time around

"This French team, we're not sure who's going to turn up," Henry said in reference to France's patchy form.

"So we've got to prepare that they're going to be the best in the world. They feel that they're not being considered in this final by a lot of people. We don't think that. We think they're a very good rugby team."

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."

Our family matters legal consultant

Name: Dr Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

Liverpool 4-1 Shrewsbury

Liverpool
Gordon (34'), Fabinho (44' pen, 90' 3), Firmino (78')

Shrewsbury
Udoh (27'minutes)

Man of the Match: Kaide Gordon (Liverpool)

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TOURNAMENT INFO

Fixtures
Sunday January 5 - Oman v UAE
Monday January 6 - UAE v Namibia
Wednesday January 8 - Oman v Namibia
Thursday January 9 - Oman v UAE
Saturday January 11 - UAE v Namibia
Sunday January 12 – Oman v Namibia

UAE squad
Ahmed Raza (captain), Rohan Mustafa, Mohammed Usman, CP Rizwan, Waheed Ahmed, Zawar Farid, Darius D’Silva, Karthik Meiyappan, Jonathan Figy, Vriitya Aravind, Zahoor Khan, Junaid Siddique, Basil Hameed, Chirag Suri

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Name: Dr Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

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