Aaron Rodgers to bring Green Bay Packers their fifth Super Bowl title: 2016 NFL predictions


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The NFL returns Thursday. Kevin Jeffers wildly speculates on how the NFL’s eight divisions will shape up this season and picks the play-off and Super Bowl winners. Click/swipe through for 2016 NFL predictions.

AFC EAST

Death, taxes, and the New England Patriots winning the AFC East. Few things in life are more sure than Tom Brady and Bill Belichick playing chess while the Miami Dolphins, Buffalo Bills and New York Jets are playing checkers.

Both the Bills and Jets looked improved last season, and Miami has hired a badly needed new head coach (Adam Gase), but none of them are stable enough to hang with the model of consistency in Foxborough, Massachusetts.

Even without Brady for the first four games, no division is easier to call than this one.

Predicted order:

1 New England Patriots

2 Miami Dolphins

3 Buffalo Bills

4 New York Jets

AFC NORTH

This should come down to a battle between two of the league’s best teams in the Cincinnati Bengals and the Pittsburgh Steelers. The Bengals won the division last year, only to get knocked out in the first round by the Wild Card Steelers in heartbreaking fashion.

Both teams are loaded, but I feel like this is Pittsburgh’s year. Ben Roethlisberger is better than ever and the defence should be improved. The Bengals stay snakebitten by the Steelers, but will be good enough to make the play-offs as a Wild Card.

Cleveland will be fun with a young team and new quarterback Robert Griffin III trying to revive his career, while Baltimore will be old and boring. Neither team competes for a play-off spot.

Predicted order:

1 Pittsburgh Steelers

2 Cincinnati Bengals (Wild Card)

3 Cleveland Browns

4 Baltimore Ravens

AFC SOUTH

Houston capitalised on an injured Andrew Luck and an otherwise meek set of teams to squeak into the play-offs last season at 9-7g, and they did so with a bunch of nobodies at quarterback. If new signing Brock Osweiler gives them anything more than what they had under centre last year — and he will — the Texans will be better, and they still have one of the league’s best defences.

Luck is back for the Colts and gives them some hope, but the rest of the roster is a jumbled mess. He’s the long-term fixture in Indianapolis, but the rest of the organisation — players, coaches, executives — are on thin ice.

Jacksonville is intriguing. They’ve invested heavily in free agency and the draft on defence, and the passing game showed last year it can score with anyone. I still think they’re a year away.

Tennessee stinks.

Predicted order:

1 Houston Texans

2 Jacksonville Jaguars

3 Indianapolis Colts

4 Tennessee Titans

AFC WEST

Perhaps the toughest and most unpredictable division in the league. The Super Bowl champions reside here, but no one is mistaking the Denver Broncos and their uncertainty at quarterback for true contenders this year. Still, Von Miller and that defence are too good to completely ignore.

My pick is the Kansas City Chiefs. I think this is their final year of really being a championship contender, and I think they’re in it for a long run, regardless of how many injuries they are currently dealing with.

I’m also one of many on the Oakland Raiders bandwagon, and think they snag the last AFC Wild Card spot, leaving Denver close but just outside the chase. The Raiders haven’t been relevant in so long that it will be fun to see them contend again.

San Diego could be better than people anticipate — and it won’t be tough to improve on last year’s 4-12 showing — but they’re behind the rest of the division.

Predicted order:

1 Kansas City Chiefs

2 Oakland Raiders (Wild Card)

3 Denver Broncos

4 San Diego Chargers

NFC EAST

I hate this division. None of the teams are that good, yet they’re always on national TV, making the biggest headlines because of the media markets they’re in, and are guaranteed one of the six play-off spots whether they deserve it or not.

But someone has to win. Washington surprisingly did so last year, but with a lot of luck and the rest of the teams falling on their faces. In a battle of attrition, I’ll take the tried-and-true Eli Manning leading the New York Giants to the play-offs. They have fewer holes than any of the other teams, and a new (but familiar) head coach Ben McAdoo could give them new life.

Dallas is relying on a rookie quarterback and running back and the defence isn’t talented enough to carry them. Philadelphia is rebuilding for the future and starting their own rookie QB. They could be two of the worst teams in the league, which bodes well for New York and Washington.

Predicted order:

1 New York Giants

2 Washington

3 Dallas Cowboys

4 Philadelphia Eagles

NFC NORTH

Minnesota surprisingly won this division last season and were a sleeper pick to make a Super Bowl run this year before Teddy Bridgewater injured his leg in practice last week. He’s out for this season and maybe longer. They traded for retread Sam Bradford from the Eagles, and he is pretty decent as far as insurance goes. Plus, there so many freakish athletes on defence that Minnesota will still compete despite losing their leader.

But this division now belongs, again, to Aaron Rodgers and the Green Bay Packers.

Detroit lost team legend Calvin Johnson, but I think they did enough to shore up the wide receiver position. They finished last year strongly and could surprise people this year.

Chicago could also surprise, but there’s a lot less talent on the Bears than on the Lions. This division will be competitive 2 through 4, but it’s tough to see the Packers not winning it.

Predicted order:

1 Green Bay Packers

2 Detroit Lions

3 Minnesota Vikings

4 Chicago Bears

NFC South

This division used to be infamous for no team winning it two years in a row. That stopped two seasons ago when the Panthers won the South for a second straight year, and they one-upped that last year by dominating the NFC en route to a 15-1, Super Bowl season. Carolina and defending MVP Cam Newton are again the class of the division and will make it four straight South titles.

There’s an equal measure of hope and uncertainty with the division’s other three teams: Atlanta has a potent passing attack and an abysmal pass rush; New Orleans has the Hall of Fame, Super Bowl-winning quarterback-coach combination they’ve had for years but an awful defence; Tampa Bay put up a ton of points with a rookie QB last year but are really young and can’t rush the passer at all.

Of all of them, I like the potential with the Buccaneers under new coach Dirk Koetter. The Saints are past their prime and the Falcons just don’t have enough depth. I even think Jameis Winston leads the Bucs to the play-offs, surprising many on the way.

Predicted order:

1 Carolina Panthers

2 Tampa Bay Buccaneers (Wild Card)

3 Atlanta Falcons

4 New Orleans Saints

NFC West

In our preseason NFL Power Rankings, I had the Cardinals and Seahawks at Nos 1 and 2. It wouldn't take much to argue one over the other, so close are they in talent and potential. Luckily for us, they play each other twice. It'll be a shock if both loaded squads don't make the play-offs, but only one can win the West.

The safer pick is Seattle, where Russell Wilson is a perennial MVP candidate and the defence remains one of the most battle-tested units in the league. But Arizona, as long as Carson Palmer stays upright, will be right there with them.

Relocated from St Louis to Los Angeles, the Rams have one of the most talented defences and running backs in the league, but rookie quarterback Jared Goff hasn’t looked good at all in preseason action so far and will hold the team back from contending.

San Francisco stinks.

Predicted order:

1 Seattle Seahawks

2 Arizona Cardinals (Wild Card)

3 Los Angeles Rams

4 San Francisco 49ers

PLAYOFFS

AFC PLAY-OFFS

• Wild Card Round: No 3 Pittsburgh d No 6 Oakland; No 5 Cincinnati d No 4 Houston

• Divisional Round: No 5 Cincinnati d No 1 Kansas City; No 2 New England d No 3 Pittsburgh

• Championship: No 2 New England d No 5 Cincinnati

NFC PLAY-OFFS

• Wild Card Round: No 3 Carolina d No 6 Tampa Bay; No 5 Arizona d No 4 New York Giants

• Divisional Round: No 1 Green Bay d No 5 Arizona; No 3 Carolina d No 2 Seattle

• Championship: No 1 Green Bay d No 3 Carolina

SUPER BOWL

• Green Bay Packers 30, New England Patriots 24

kjeffers@thenational.ae

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Citizenship-by-investment programmes

United Kingdom

The UK offers three programmes for residency. The UK Overseas Business Representative Visa lets you open an overseas branch office of your existing company in the country at no extra investment. For the UK Tier 1 Innovator Visa, you are required to invest £50,000 (Dh238,000) into a business. You can also get a UK Tier 1 Investor Visa if you invest £2 million, £5m or £10m (the higher the investment, the sooner you obtain your permanent residency).

All UK residency visas get approved in 90 to 120 days and are valid for 3 years. After 3 years, the applicant can apply for extension of another 2 years. Once they have lived in the UK for a minimum of 6 months every year, they are eligible to apply for permanent residency (called Indefinite Leave to Remain). After one year of ILR, the applicant can apply for UK passport.

The Caribbean

Depending on the country, the investment amount starts from $100,000 (Dh367,250) and can go up to $400,000 in real estate. From the date of purchase, it will take between four to five months to receive a passport. 

Portugal

The investment amount ranges from €350,000 to €500,000 (Dh1.5m to Dh2.16m) in real estate. From the date of purchase, it will take a maximum of six months to receive a Golden Visa. Applicants can apply for permanent residency after five years and Portuguese citizenship after six years.

“Among European countries with residency programmes, Portugal has been the most popular because it offers the most cost-effective programme to eventually acquire citizenship of the European Union without ever residing in Portugal,” states Veronica Cotdemiey of Citizenship Invest.

Greece

The real estate investment threshold to acquire residency for Greece is €250,000, making it the cheapest real estate residency visa scheme in Europe. You can apply for residency in four months and citizenship after seven years.

Spain

The real estate investment threshold to acquire residency for Spain is €500,000. You can apply for permanent residency after five years and citizenship after 10 years. It is not necessary to live in Spain to retain and renew the residency visa permit.

Cyprus

Cyprus offers the quickest route to citizenship of a European country in only six months. An investment of €2m in real estate is required, making it the highest priced programme in Europe.

Malta

The Malta citizenship by investment programme is lengthy and investors are required to contribute sums as donations to the Maltese government. The applicant must either contribute at least €650,000 to the National Development & Social Fund. Spouses and children are required to contribute €25,000; unmarried children between 18 and 25 and dependent parents must contribute €50,000 each.

The second step is to make an investment in property of at least €350,000 or enter a property rental contract for at least €16,000 per annum for five years. The third step is to invest at least €150,000 in bonds or shares approved by the Maltese government to be kept for at least five years.

Candidates must commit to a minimum physical presence in Malta before citizenship is granted. While you get residency in two months, you can apply for citizenship after a year.

Egypt 

A one-year residency permit can be bought if you purchase property in Egypt worth $100,000. A three-year residency is available for those who invest $200,000 in property, and five years for those who purchase property worth $400,000.

Source: Citizenship Invest and Aqua Properties

Building boom turning to bust as Turkey's economy slows

Deep in a provincial region of northwestern Turkey, it looks like a mirage - hundreds of luxury houses built in neat rows, their pointed towers somewhere between French chateau and Disney castle.

Meant to provide luxurious accommodations for foreign buyers, the houses are however standing empty in what is anything but a fairytale for their investors.

The ambitious development has been hit by regional turmoil as well as the slump in the Turkish construction industry - a key sector - as the country's economy heads towards what could be a hard landing in an intensifying downturn.

After a long period of solid growth, Turkey's economy contracted 1.1 per cent in the third quarter, and many economists expect it will enter into recession this year.

The country has been hit by high inflation and a currency crisis in August. The lira lost 28 per cent of its value against the dollar in 2018 and markets are still unconvinced by the readiness of the government under President Recep Tayyip Erdogan to tackle underlying economic issues.

The villas close to the town centre of Mudurnu in the Bolu region are intended to resemble European architecture and are part of the Sarot Group's Burj Al Babas project.

But the development of 732 villas and a shopping centre - which began in 2014 - is now in limbo as Sarot Group has sought bankruptcy protection.

It is one of hundreds of Turkish companies that have done so as they seek cover from creditors and to restructure their debts.

Should late investors consider cryptocurrencies?

Wealth managers recommend late investors to have a balanced portfolio that typically includes traditional assets such as cash, government and corporate bonds, equities, commodities and commercial property.

They do not usually recommend investing in Bitcoin or other cryptocurrencies due to the risk and volatility associated with them.

“It has produced eye-watering returns for some, whereas others have lost substantially as this has all depended purely on timing and when the buy-in was. If someone still has about 20 to 25 years until retirement, there isn’t any need to take such risks,” Rupert Connor of Abacus Financial Consultant says.

He adds that if a person is interested in owning a business or growing a property portfolio to increase their retirement income, this can be encouraged provided they keep in mind the overall risk profile of these assets.

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