Wolves plunge deep into relegation trouble



Newcastle 4 // Wolves 1

Alan Pardew, the Newcastle manager, was delighted with the response he got from his team as they dumped Wolves deeper into relegation trouble by easing their own fears.

A 4-1 home win was just their second in 10 league games after a 4-0 loss at Stoke City two weeks ago.

"The performance at Stoke just started ringing a few alarm bells. But we were back to what we are about today," Pardew said.

Birmingham 2 // Bolton 1

Birmingham manager Alex McLeish hailed a "big, big result" for his side after they beat Bolton 2-1 to catapult themselves out of the relegation zone.

"It was a game we felt we really had to win," McLeish said. "I don't like to use that term 'must-win' because what if you don't?"

He added: "When everyone knows that to win will be a big result, it heaps the pressure on, but they responded magnificently."

Everton 2 // Aston Villa 2

Under-pressure Aston Villa manager Gerard Houllier believes his team are showing the qualities needed to avoid relegation despite being denied victory at injury-hit Everton after Leighton Baines struck a late penalty.

"I would say it is two points lost because we were in a winning position, but in terms of attitude, it was a hard-fought point and we deserved that, minimum," Houllier said.

Stoke 1 // Chelsea 1

Chelsea's hopes of retaining the Premier League title all but vanished when they were held to a 1-1 draw at Stoke City.

Jon Walters put the hosts ahead with an eighth-minute breakaway goal, but Didier Drogba headed an equaliser in the 33rd minute.

The result leaves Chelsea 11 points behind leaders Manchester United with just eight games to play. "I think it is very difficult [to win the league]," said the manager Carlo Ancelotti.

Teaching your child to save

Pre-school (three - five years)

You can’t yet talk about investing or borrowing, but introduce a “classic” money bank and start putting gifts and allowances away. When the child wants a specific toy, have them save for it and help them track their progress.

Early childhood (six - eight years)

Replace the money bank with three jars labelled ‘saving’, ‘spending’ and ‘sharing’. Have the child divide their allowance into the three jars each week and explain their choices in splitting their pocket money. A guide could be 25 per cent saving, 50 per cent spending, 25 per cent for charity and gift-giving.

Middle childhood (nine - 11 years)

Open a bank savings account and help your child establish a budget and set a savings goal. Introduce the notion of ‘paying yourself first’ by putting away savings as soon as your allowance is paid.

Young teens (12 - 14 years)

Change your child’s allowance from weekly to monthly and help them pinpoint long-range goals such as a trip, so they can start longer-term saving and find new ways to increase their saving.

Teenage (15 - 18 years)

Discuss mutual expectations about university costs and identify what they can help fund and set goals. Don’t pay for everything, so they can experience the pride of contributing.

Young adulthood (19 - 22 years)

Discuss post-graduation plans and future life goals, quantify expenses such as first apartment, work wardrobe, holidays and help them continue to save towards these goals.

* JP Morgan Private Bank 

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