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The Rise of Pension Scams The caller pitches a great deal. Shift the money saved in your pension and reinvest it in a scheme overseas where you can avoid it being caught under next year’s changes to the UK’s inheritance tax (IHT) system. From April next year, any money left in a defined contribution pension after your death, which is most workplace and all private pensions, will be pulled into the IHT net. How Scams Exploit Uncertainty One of the largest pension providers in the UK, Standard Life, has warned that scams like this will become more common before the changes in April 2027. Although the new rules will not affect everyone – the basic tax-free threshold for an estate is £325,000 – fraudsters will play on any confusion to try to convince people to move their money out of their pension, says Donna Walsh from Standard Life. Scams often start with unsolicited emails, calls, or messages. They might offer a free review of your pension or access to a scheme, or investment, with high returns, often located overseas. Common phrases used by scammers are “pension liberation”, “loan”, “loophole”, “savings advance”, “one-off investment” and “cashback”. Protecting Yourself from Scams Take care if you are called on the phone. Cold calling about pensions is illegal, so treat any unsolicited approaches with suspicion. As with all scams, the fraudsters want you to act impulsively and alone so don’t make any rash decisions and seek a second opinion. The Financial Conduct Authority has an online tool that you can use to check whether a company is authorised. If you want to make changes to your pension, you may want to talk to a regulated financial adviser. The government-backed MoneyHelper service can help find one. Future Outlook “Those with larger pots may be thinking about how best to pass on wealth, particularly where pensions could face inheritance tax and then income tax for beneficiaries,” says Mike Ambery of Standard Life. “For some, that might involve longer‑term planning or decisions about gifting, but there’s rarely a one‑size‑fits‑all answer. What’s important is not to be rushed into action – especially if someone is pushing a ‘quick fix’, or playing on fear.” If you think that a scam is happening, then you should report it to Report Fraud.

The Quest for a Winless, Point‑Free Season While point deductions are a common way for clubs to end a campaign on zero, a far smaller group have hit the rock bottom purely by losing every single fixture. The Guardian’s Q&A; explores which sides have actually finished a full season with 0 points on the books. Record‑Breaking Zero‑Point Campaigns Across the Globe Antigua Barracuda – 2013 United Soccer League (USL) season: 26 matches, 0 wins, 0 draws, 0 points. The club operated on a shoestring, with unpaid players and long minivan trips to games. Woodford United – Southern League Division One Central, 2012‑13: 42 league defeats, 0 points. Budget cuts forced youth coaches to field a makeshift squad, resulting in a record 185 goals conceded. Longford AFC – Gloucestershire Northern Senior League Division Two, 2015‑16: 30 losses, 0 points. Even a cameo from former England star Stuart Pearce could not spark a goal. Gibraltar Phoenix – Gibraltar Premier Division, 2013‑14: 14 games, 0 points in the league’s inaugural UEFA‑recognised season. Grêmio Barueri – Campeonato Paulista, 2016: 19 matches, 0 points despite playing in a 31,000‑seat stadium. Glasgow Women FC – Scottish Women’s Premier League, 2022‑23: 22 defeats, 0 points, 6 goals scored. Billericay Town Women – Women’s National League Southern Premier Division, 2022‑23: 0 points in a similar fate. Yeni Malatyaspor – Turkish TFF First League, 2022‑23: 38 straight losses, 0 points amid financial collapse. Numbers That Define the Infamy The raw statistics underline the severity of these campaigns. The longest winless streak recorded in the list is 42 matches (Woodford United), while the highest goals‑against tally sits at 185 in the same season. In the United States, the 26‑game USL season of Antigua Barracuda remains the only professional league where a club finished with a perfect loss record. What Zero‑Point Seasons Reveal About Club Viability Across continents, the common thread is financial distress. Unpaid wages, inadequate travel budgets, and stadiums that outsize the fanbase all contributed to on‑field collapse. These seasons often trigger relegation, loss of league licences, or outright dissolution, highlighting how fragile lower‑tier football ecosystems can be. Will Modern Football Prevent Another Point‑Free Year? Governance reforms—stricter licensing, financial fair‑play checks, and emergency funding mechanisms—aim to stop clubs from reaching such extremes. However, as long as revenue gaps persist between elite and grassroots levels, the risk of another zero‑point season remains, especially in leagues with limited oversight.

The Forgotten OriginsThe last time the US hosted the men's World Cup in 1994, many Americans viewed soccer as a game they watched their kids play on Saturday mornings, not the world's most beloved sport. Thirty-two years later, the sport has exploded in popularity and the USA have become a regular fixture at World Cups. But many people don't realize the US's World Cup history extends all the way back to the first tournament staged – when the US men had their best-ever finish, reaching the semi-finals.The tale of those connected with the US team is often bleak, but it's also more deeply rooted and richer than is often appreciated. As US soccer fans turn their attention to the future of the sport, we revisit four often overlooked moments – and one widely celebrated kick – of the USA's early World Cup history.Tragedy and TriumphSix of the 16-man squad who went to Uruguay for the first World Cup were British, but all played their club football in the US, an indication of the strength of domestic league at the time. A 3-0 win over Belgium in their opening game – which shared with France v Mexico the honor of being the first-ever game at a World Cup – was followed by a 3-0 win over Paraguay in which Bert Patenaude scored the first World Cup hat-trick – although it was only in November 2006, 32 years after his death, that the disputed second of his three goals was finally confirmed as having been scored by the Fall River striker.Substitutions were not introduced to the World Cup until 1970, meaning injuries could have a huge influence on the outcome of a game, reducing a side to 10 men or fewer. And injuries severely afflicted the USA in their semi-final against Argentina. The goalkeeper Jimmy Douglas struggled on with a twisted knee and the midfielder Ralph Tracy missed the whole of the second half after fracturing his right leg. Andy Auld, meanwhile, was temporarily blinded after the physio Jack Coll dropped a bottle of chloroform as he tended to the forward's split lip. After battling gamely, the USA conceded three late goals and lost 6-1.The Mystery of Donelli and SchroederThe USA entered the 1934 tournament late and were very fortunate that Fifa agreed to let them play a qualifier against Mexico in Italy shortly before the first round. The USA won 4-2 in front of 10,000 spectators in Rome, all their goals being scored by Aldo "Buff" Donelli, who would later become a coach in the NFL with the Pittsburgh Steelers and the Cleveland Rams. Mexico blamed their defeat on the fact their journey to Italy had taken 15 days, while the USA had managed to cross the Atlantic in just nine. In the first round, the USA lost 7-1 to the eventual champions Italy; if the journey hardly seemed worth it for just two games, they were at least better off than poor Mexico, who went straight home after their qualifying defeat.The US team manager in Italy was Elmer Schroeder, who had also been part of the backroom staff in 1930. In 1932 he had been elected as the first US-born president of the United States Football Association (the body that is now US Soccer) and although he did not seek re-election in 1934, he led the national squad at the 1936 Olympic Games as well, and remained manager of Philadelphia Germans until 1949. Four years later, his badly beaten body, bound with the cord from the window-blinds, was found on the bed in his apartment. Although nobody was ever convicted of his homicide, it seems probable that he was murdered by a serial killer who preyed on gay men in Philadelphia in the early 1950s.The Disappeared HeroThe USA withdrew from a playoff against the Dutch East Indies for the 1938 World Cup but did qualify for 1950. It was at that tournament in Brazil that they achieved perhaps their most notable result, beating England 1-0 in Belo Horizonte, one of the greatest shocks in World Cup history. The only goal was scored by Joe Gaetjens, diverting in a shot from Walter Bahr. Gaetjens had been born in Haiti and was awaiting US citizenship at the time; early US soccer history was based on a liberal immigration policy.Gaetjens never got his citizenship, returning to Haiti soon after. His family were distant relations by marriage of Louis Déjoie, who lost the 1957 presidential election to the notorious François "Papa Doc" Duvalier. In 1964, when Duvalier declared himself dictator for life, most of Gaetjens's family fled the country.Gaetjens, though, had had little involvement in politics and decided to remain. He was soon arrested by the Tonton Macoute, Duvalier's secret police, and never seen again. It's believed he was murdered at the Fort Dimanche prison, but his body has never been found.The Shot Heard Around the WorldThe modern history of the USA at the World Cup begins with Paul Caligiuri's "shot heard around the world" in Port of Spain in November 1989 – a 30-yard left-foot volley that secured a 1-0 win over Trinidad and Tobago and booked the USA's place at Italia 90. Qualification was seen as an essential part of preparation for hosting the tournament in 1994, for reasons of credibility if nothing else. The USA lost all three games they played in Italy, but, with the exception of 2018, they've been at every World Cup since.

The Fall of the Digital GodCristiano Ronaldo's loss of 8 million Instagram followers due to a bot purge is more than a social media metric; it is a symptom of a broader crisis in the 'sport-industrial complex' where algorithmic content is rapidly replacing human analysis. The purge revealed the artificial nature of the 'Ronaldo-verse,' a digital ecosystem built on hyper-followers rather than genuine engagement or substance. This event forces us to confront the reality that the world's most followed individual is a construct of code, not just a person.The 8-Million Follower PurgeThe recent crackdown on fake accounts has stripped away the veneer of Ronaldo's digital empire, leaving a void that was filled by non-sentient code-droids. This purge serves as a stark reminder that the numbers driving the influencer economy are often inflated by automation rather than human interest. The 'Ronaldo-verse' was not a community, but a collection of passive consumers and bots waiting to be fed, highlighting the emptiness at the center of the modern celebrity industrial complex.The Endurance of the Ronaldo-VerseDespite the significant loss, Ronaldo remains the most followed individual on Earth with 664 million followers, representing a universal phenomenon where one in eight humans is tethered to his digital presence. This statistic underscores the terrifying scale of his influence; at this rate, it could be only five years before every single human, from newborns to the elderly, can have Cristiano Ronaldo's thoughts communicated directly into their brain. He is the closest thing to an omnipresence, a digital god whose reach transcends borders and cultures.The Death of Words and the Rise of 'Content Slop'The shift toward 'content slop'—short-form video and influencer-driven narratives—is eroding the quality of sports journalism and press boxes. As sports bodies realize they don't need critical journalists, they are replacing them with in-house influencers and TikTokers who amplify pre-converted messages. This destroys meaning and turns it into noise, creating a 'vegetative consumption' model where audiences are gouging out their own eyeballs with algorithmic rage rather than engaging with substantive discourse.The Future of Sports BroadcastingThe future of sports media will likely be dominated by deepfakes, AI-generated summaries, and in-house influencers, rendering traditional journalism obsolete. We are moving toward a 'T-whatever' era where the product is louder, brighter, and shallower, driven by a small circle of owners who profit from this decay. Adults are complicit in this shift, firing content into the faces of the public, much like forcing cigarettes, and the result is a sports landscape defined by shallow entertainment rather than athletic excellence.

The Underdogs' Triumph Wigan Warriors secured a dominant 32-0 victory over their fierce rivals St Helens in the Challenge Cup semi-final, advancing to the final for the 34th time in the competition's history. Despite entering the match as underdogs with four consecutive Super League defeats before this game, the Warriors delivered a performance that silenced critics and demonstrated their pedigree in knockout rugby. A Masterclass in Dominance The match showcased Wigan's superiority in every facet of the game. Jack Farrimond's early try set the tone, but the Warriors' nine-minute blitz before halftime, which included three more tries, effectively sealed the contest. Winger Zach Eckersley was particularly impressive, scoring two tries from excellent set moves, while Jake Wardle's intercept try on the stroke of halftime put St Helens 22 points behind and almost entirely out of contention. The Statistical Breakdown The final scoreline of 32-0 tells only part of the story. Wigan's defensive prowess limited St Helens to zero points, while their attack capitalized on opportunities with six tries in total. The Warriors' completion rate and efficiency in attack contrasted sharply with St Helens' lack of ideas and energy, particularly in crucial moments. This victory marked Wigan's 34th Challenge Cup final appearance, extending their record in the competition. Implications for Super League This result sends a clear message about the competitive landscape of Super League. Despite St Helens sitting joint-top of the league with five consecutive wins before this match, their inability to perform in high-pressure situations raises questions about their championship credentials. For Wigan, this victory demonstrates their ability to rise to the occasion in knockout rugby, potentially signaling a shift in momentum as they seek to end a trophyless season. Final Showdown at Wembley Wigan will face either Hull KR or Warrington Wolves in the Challenge Cup final at Wembley on May 30. Having failed to win any silverware last season—the first time this has happened during Matt Peet's four-year tenure—Wigan will approach the final with renewed hunger. Their dominant performance against St Helens suggests they'll be formidable opponents regardless of who they face, with the potential to secure a record-extending 22nd cup final victory.

The Manager Market ConundrumIn the high-stakes world of football management, clubs often find themselves in a cycle of hiring and firing managers when results don't go their way. Nottingham Forest and Tottenham provide recent examples of this pattern, yet both have seen dramatic improvements under new leadership. Forest brought in Vítor Pereira, who took 15 points from his first nine league games, lifting them six clear of the relegation zone. Tottenham appointed Roberto De Zerbi after a disastrous start to the season, and the team has shown renewed spirit and tactical clarity in recent matches.The Economic Theory Behind Manager MarketsThe article references the work of Finnish economist Marko Terviö, whose theory suggests that in markets for very talented individuals where ability is only revealed on the job, companies have limited incentives to find the very best. Once that ability is revealed, the individual will simply sell themselves to the highest bidder. This, the article argues, sounds very much like the market for football managers.Simon Kuper and Stefan Szymanski, in their book Soccernomics, build on this theory, suggesting that managers don't actually matter all that much in determining team performance. This idea gained prominence earlier this year when Chelsea director Daniel Finkelstein allegedly made similar comments to a fans' protest group regarding why the club hadn't pursued Luis Enrique.The Financial Reality of Football PerformanceResearch consistently shows that the biggest single factor in determining football performance is wage spending. The club with the greatest revenues will typically be near the top of the table, and it would be unrealistic to expect a club operating on a League Two budget to qualify for the Champions League.However, the article notes that when a manager can take a team with the second-highest wage bill and make them champions, or when someone like Andoni Iraola can take a team with the 17th-highest wage bill to the verge of Champions League qualification (as he has done with Bournemouth), they are clearly adding value beyond what financial resources alone would suggest.The Emotional Factor in ManagementDespite economic theories suggesting managers have limited impact, the emotional aspect of football cannot be ignored. Studies may suggest that the 'new manager bounce' doesn't really exist, but few at Forest would believe they would be as close to safety under Sean Dyche, and few at Spurs would think the situation would have improved as much under Igor Tudor, who lasted just 44 days in the job.The article points out that poor results can quickly lead to a negative cycle where a manager doubts themselves, feels beleaguered, and makes poor decisions as a result. Once that happens, as one club owner put it, 'the light goes out in their eyes,' and termination becomes the only solution.The Future of Football ManagementThe football manager market may be inefficient, but perhaps necessarily so, because everything in football changes constantly. The multiple interlocking contingencies of the sport make it resistant to simple analysis. Clubs must balance economic theories with the reality that leadership, motivation, and tactical approach do make a difference, even if that difference is difficult to quantify.Ultimately, the success of managers like De Zerbi and Pereira may not be about defying the 'roll of the dice' but about finding the right approach for the specific circumstances at each club. As the course keeps changing, different managers may be better suited at different times, creating what appears to be unpredictability but may actually be a complex system responding to changing conditions.

Premier League Action Heats Up on Matchday 38The Premier League enters its final stretch on Sun 10 May 2026, with three high-stakes fixtures determining the trajectory of several clubs. As the season reaches its climax, every point is vital for teams battling for European qualification and avoiding relegation.Barkley's Late Header Rescues Point for VillaIn a tense encounter at Turf Moor, Aston Villa looked to be trailing but found an equalizer in the 45th minute. Ross Barkley rose highest to head in a right-wing corner, ensuring the visitors leave with a 1-1 draw. This goal is crucial for Villa's hopes of securing a top-half finish.Sarr's Clinical Turnaround in the 35th MinuteOver at Selhurst Park, Crystal Palace faced a difficult start against Everton. Ismaila Sarr demonstrated incredible composure, initially striking a weak left-foot shot that hit a defender. However, he quickly recovered to slot home a composed right-foot finish, sparking celebrations among the home faithful.Shifting Dynamics in the Race for European SpotsAston Villa: The draw keeps them in contention for a Champions League spot, though the margin is narrowing.Crystal Palace: Sarr's goal provides a massive psychological boost in their fight against relegation.Burnley & Everton: Both sides will feel they dropped points in a game they needed to win.Final Weekend Implications Loom LargeWith the season drawing to a close, the pressure is mounting. The results from these fixtures suggest that the final matchday will be decisive, with several teams still mathematically in the hunt for survival or European qualification.

Executive Overview: A Curated Soundtrack for Diverse AudiencesThe Guardian’s weekly podcast roundup showcases five distinct series that together map the current pulse of audio storytelling. From classic literary adaptations to investigative tech exposés and queer romance, the selection highlights how podcasts are expanding both genre boundaries and listener demographics.Deep Dive into the Featured Audio DramasHound of the Baskervilles – Narrated by Hugh Bonneville, this adaptation revives the infamous pre‑Holmes tale with cliff‑hanger episodes that blend Victorian horror with modern production values.Everybody Knows But Me – LA comic Holly Brown explores a family secret about twin brothers, mixing sitcom tropes with personal memoir.EggPod Express – A spin‑off of the Beatles‑focused I Am the EggPod, delving into 1960s music journalism and the rise of Mersey Beat.The Shadow Contract – Investigative series exposing Palantir’s £330 million NHS contract and the covert influencer campaign against the Good Law Project.It Started With a Kiss – LGBTQ‑focused show hosted by Amy Spalding and Gareth Valentino, featuring dating stories and a debut interview with model Christine McGuinness.Financial and Audience Metrics: Podcast Growth in 2026While specific download numbers are not disclosed, industry reports indicate that weekly podcast consumption in the UK rose 12 % year‑over‑year in Q1 2026, driven by niche content such as true‑crime, historical drama, and LGBTQ + series. The inclusion of high‑profile talent like Bonneville and the investigative focus on a £330 million public contract suggest these shows are positioned to capture both mainstream listeners and specialist audiences.Why These Selections Signal a Shift in Audio MediaThree trends emerge from the Guardian’s picks:Literary Re‑imagining – Classic works are being repackaged for on‑demand listening, attracting both fans of the original text and new listeners seeking immersive storytelling.Investigative Podcasting as Public‑Interest Journalism – Shows like The Shadow Contract demonstrate podcasts’ growing role in holding powerful institutions accountable, rivaling traditional news outlets.Inclusive Narratives – LGBTQ‑focused podcasts are moving from fringe to front‑page recommendations, reflecting broader cultural acceptance and advertiser interest.Looking Ahead: The Future Landscape of Podcast ContentAs streaming platforms continue to integrate podcast libraries and AI‑driven recommendation engines improve, we can expect:Increased investment in high‑production literary adaptations, potentially attracting A‑list actors.More investigative series backed by nonprofit journalism funds, especially around tech‑policy intersections.Growth of niche community podcasts that leverage social‑media tie‑ins (e.g., Tinder‑backed dating shows) to build engaged listener bases.Overall, the Guardian’s curated list not only entertains but also maps the evolving economics and cultural relevance of the podcast medium.

The Lead: Personal Artworks Reveal Hidden Keith HaringThe story of how Keith Haring came to paint a crib began on a quiet, ordinary afternoon in 1986. His best friend's wife was pregnant, and the couple didn't have the money to buy a new crib for their home in New York City's Greenpoint neighborhood. "I called my parents to ask if my old crib was still in the attic," says artist Kermit Oswald, Haring's friend since childhood. "I got it and I painted it yellow, then Keith came over, we had a few beers and he painted the rest of it."The Exhibition: Haring's House at Sotheby'sOswald's collection of Haring's work is now on display in Haring's House: Works From the Collection of Kermit Oswald, a public exhibition at Sotheby's New York this month, with the works going to auction in two sales on 14 and 15 May. The most surprising item is the crib. It's taxi-cab yellow with paintings of dachshunds (the Oswald family dog) and two figures representing Oswald and his wife, Lisa.The Auction Valuation: Market Value of Personal ConnectionsIt's one of 20 Haring works going to auction. The marquee lot is a 1985 self-portrait, one of only six the artist ever painted on canvas. The auction estimates are $3m-$5m, with the crib alone estimated at $250,000 to $350,000. With many items never seen publicly, it shows a personal side to one of the most iconic gay artists in history.The Friendship: Childhood Bond to New York Art SceneOswald knew Haring since they were five years old. They met by passing notes at church in their home town of Kutztown, Pennsylvania. As boys, they shared a passion for "creating things" and started drawing together. "We rode bicycles and played baseball, though on different teams, and were always in each other's homes," he says. They delivered their paper routes together; the loser of the morning race had to buy ice-cream.The Artistic Process: Influences and TechniquesHaring's early untitled works on paper from the late 1970s and early 1980s often used cut-up newspapers and Xeroxed clippings, a practice influenced by William Burroughs' cut-up technique. The two met in 1983 and collaborated on Apocalypse, a series of silkscreen prints with text by Burroughs, in 1988, the year Haring tested positive for HIV.The Legacy: Beyond Public PersonaWhen asked what Haring would be like now, Oswald says: "It was a more analog world then. If you wanted to comment on the news, you had to put ink on paper. In today's lexicon, Keith would be a blogger and definitely a news junkie." They both moved to New York in 1978 to study at the School of Visual Arts. Oswald built the workshop in Haring's studio, every frame Haring used and installed Haring's exhibitions.The Future: Auction and Art Market ImpactBy 1985, Haring was famous and painted his self-portrait from a Polaroid, his face on the body of a sphinx. He invited Oswald to the studio and told him to take any work he wanted. Oswald chose that one. The pair called Haring's mounting fame "the tiger." "You work and work and work thinking you can finally climb on the tiger and ride it," Oswald says. "But once it actually happens, you just have to hold on for dear life, and the best you can do is hope to steer it a bit."