CARDIFF, United Kingdom // Chris Coleman, the Wales manager, saluted his players following their well-earned 2016 European Championship qualifying point in a goalless draw with Bosnia and Herzegovina in Cardiff which put them top of Group B.
Despite Friday’s stalemate, there were chances aplenty for both sides with Wales goalkeeper Wayne Hennessey and Bosnian counterpart Asmir Begovic producing superb saves to deny Miralem Pjanic and Gareth Bale respectively.
Read more: Gareth Bale holds the key to Wales’ hopes in Euro 2016 qualifiers
While Wales will be pleased with their fourth point from two matches which keeps them one point clear of rivals Belgium, the home side could rue missed second-half chances which fell to Ashley Williams and Hal Robson-Kanu.
Following Wales’ opening 2-1 victory in Andorra last month, Coleman was extremely satisfied with the performance and result after the goalless draw in the Welsh capital.
“The performance pleased me more than the point,” said Coleman.
“We had to ride our luck a little bit against a side like that so we had to stand up to the challenge. We did that and dug deep and the players were magnificent. I was so proud of them.
“In the last campaign we played good football but got beat easy. We gifted teams goals and the mindset has to be different,” explained Coleman, looking to guide Wales to their first major tournament finals since the 1958 World Cup.
“Lads were throwing their heads in front of shots and we need to have that mentality.
“This campaign, we may not play best football in terms of possession but we have to win games 1-0.
“If it will be 0-0 then we need to fight and not roll over. Last time we got bullied by Bosnia, but we never got bullied tonight.”
Wales, backed by a vibrant 30,741 attendance, pushed Bosnia, who took part at this year’s World Cup finals in Brazil, all the way and could have nicked the three points when Stoke goalkeeper Begovic made a superb save to keep out Bale’s injury-time shot.
Coleman added: “I thought Bale’s shot was in. I said, ‘goal’ as soon as it left his foot. We had another chance with Ash’s header.”
Wales now face Cyprus in Cardiff on Monday and Coleman is demanding the same level of performance.
“Three points on Monday would make things look very beautiful. We may be tired but we have enough to get us a win. We are capable of that.
“This could be a group where people take points of each other all the time. It’s nice to be sitting top at any time, but now we have to back it up again.”
Bosnia now return home with just one point from their opening two fixtures in the group following a shock 2-1 home loss to Cyprus last month.
Now Safet Susic’s side take on Belgium, who hammered Andorra 6-0 in Brussels.
The Bosnian coach said: “The game was as I expected. It was a difficult game.
“We came here to get three points and we took some risks. The score is not bad for either team. They are our direct opponents for second place.
“After our defeat to Cyprus that is the case. Our goal is to be in the first two teams.
“I think the best players on the pitch tonight were the two goalkeepers.”
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THREE
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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.
What are the GCSE grade equivalents?
- Grade 9 = above an A*
- Grade 8 = between grades A* and A
- Grade 7 = grade A
- Grade 6 = just above a grade B
- Grade 5 = between grades B and C
- Grade 4 = grade C
- Grade 3 = between grades D and E
- Grade 2 = between grades E and F
- Grade 1 = between grades F and G
The biog
Hobbies: Salsa dancing “It's in my blood” and listening to music in different languages
Favourite place to travel to: “Thailand, as it's gorgeous, food is delicious, their massages are to die for!”
Favourite food: “I'm a vegetarian, so I can't get enough of salad.”
Favourite film: “I love watching documentaries, and am fascinated by nature, animals, human anatomy. I love watching to learn!”
Best spot in the UAE: “I fell in love with Fujairah and anywhere outside the big cities, where I can get some peace and get a break from the busy lifestyle”
Company%20Profile
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A Cat, A Man, and Two Women
Junichiro Tamizaki
Translated by Paul McCarthy
Daunt Books
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Israel Palestine on Swedish TV 1958-1989
Director: Goran Hugo Olsson
Rating: 5/5
TRAP
Starring: Josh Hartnett, Saleka Shyamalan, Ariel Donaghue
Director: M Night Shyamalan
Rating: 3/5
Kill%20
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SPEC%20SHEET%3A%20APPLE%20M3%20MACBOOK%20AIR%20(13%22)
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Key changes
Commission caps
For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:
• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term).
• On the protection component, there is a cap of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).
• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated.
• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.
• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.
Disclosure
Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.
“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”
Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.
Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.
“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.
Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.
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COMPANY%20PROFILE
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THE SIXTH SENSE
Starring: Bruce Willis, Toni Collette, Hayley Joel Osment
Director: M. Night Shyamalan
Rating: 5/5
The specS: 2018 Toyota Camry
Price: base / as tested: Dh91,000 / Dh114,000
Engine: 3.5-litre V6
Gearbox: Eight-speed automatic
Power: 298hp @ 6,600rpm
Torque: 356Nm @ 4,700rpm
Fuel economy, combined: 7.0L / 100km
The%20Specs
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The specs
Engine: Long-range single or dual motor with 200kW or 400kW battery
Transmission: Single-speed automatic
Max touring range: 620km / 590km
Price: From Dh250,000 (estimated)
SPEC%20SHEET%3A%20APPLE%20IPHONE%2015%20PRO%20MAX
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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.
Company%20profile
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12%20restaurants%20opening%20at%20the%20hotel%20this%20month
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UAE currency: the story behind the money in your pockets
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The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now
Profile of Foodics
Founders: Ahmad AlZaini and Mosab AlOthmani
Based: Riyadh
Sector: Software
Employees: 150
Amount raised: $8m through seed and Series A - Series B raise ongoing
Funders: Raed Advanced Investment Co, Al-Riyadh Al Walid Investment Co, 500 Falcons, SWM Investment, AlShoaibah SPV, Faith Capital, Technology Investments Co, Savour Holding, Future Resources, Derayah Custody Co.