Rafael Nadal of Spain returns a ball against Jan Hajek of Czech Republic in the third singles match.
Rafael Nadal of Spain returns a ball against Jan Hajek of Czech Republic in the third singles match.

Spain triumph in Davis Cup again



Spain improved on the margin for their second successive Davis Cup triumph, and their fourth in all, when they extended their lead over Czech Republic to 4-0 today. A home victory was hardly in doubt after the singles wins for Rafael Nadal and David Ferrer. Feliciano Lopez and Fernando Verdasco then sealed any chances of a comeback by beating Tomas Berdych and Radek Stepanek 7-6, 7-5, 6-2. Nadal, who set Spain on their way to victory by winning the first point on Friday, returned to the clay court at the Palau Sant Jordi to help himself to a second singles win. The world No 2, back fit and in form at the end of an injury-troubled season, broke Jan Hajek in his first service game of the third singles and had few problems sealing victory 6-3, 6-4. The result confirmed Spain's dominance on clay, especially at home. They were cheered by a sell-out crowd, as they became the first team to successfully defend the Davis Cup since Sweden in 1998. There was not much between the two teams in the first two sets on Saturday, with Spain's greater assurance on the clay surface, plus the ear-splitting support from the crowd, seeing them through the key moments.

Spain took the first set 9-7 on the tiebreak after Berdych had missed a chance to win it on his serve. The second was decided when Berdych, who struggled for form throughout, let slip 40-0 on his own serve to give Spain the break in game 11, Verdasco sealing the advantage with a crunching forehand from the baseline. Spain rode the momentum into the third set and completed another win at the same Montjuic arena, built for the Olympics in 1992, that played host to their first Davis Cup success. The victory over Australia here in 2000 was a watershed for Spain, who reached the final again in 2003, this time losing away to the Australians, before racking up further wins against the United States in 2004 and Argentina last year. * Reuters

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."

WHAT IS A BLACK HOLE?

1. Black holes are objects whose gravity is so strong not even light can escape their pull

2. They can be created when massive stars collapse under their own weight

3. Large black holes can also be formed when smaller ones collide and merge

4. The biggest black holes lurk at the centre of many galaxies, including our own

5. Astronomers believe that when the universe was very young, black holes affected how galaxies formed

Test

Director: S Sashikanth

Cast: Nayanthara, Siddharth, Meera Jasmine, R Madhavan

Star rating: 2/5

Results

Stage 7:

1. Caleb Ewan (AUS) Lotto Soudal - 3:18:29

2. Sam Bennett (IRL) Deceuninck-QuickStep - same time

3. Phil Bauhaus (GER) Bahrain Victorious

4. Michael Morkov (DEN) Deceuninck-QuickStep

5. Cees Bol (NED) Team DSM

General Classification:

1. Tadej Pogacar (SLO) UAE Team Emirates - 24:00:28

2. Adam Yates (GBR) Ineos Grenadiers - 0:00:35

3. Joao Almeida (POR) Deceuninck-QuickStep - 0:01:02

4. Chris Harper (AUS) Jumbo-Visma - 0:01:42

5. Neilson Powless (USA) EF Education-Nippo - 0:01:45