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TEMPLEGATE tackles Friday’s racing looking to land some winners and build the bank for Champions Day on Saturday.

Back a horse by clicking their odds.

WADE OUT (1.35 Uttoxeter, nap)

Olly Murphy’s five-year-old won his only point-to-point in Ireland before taking a Market Rasen bumper in first gear. He showed a good engine there and has a bright future over hurdles. This trip on decent ground should be ideal.

CHARGING THUNDER (2.00 Fakenham, nb)

He won his sole run on the Flat after moving to James Owen and his staying power will come in handy now he’s jumping a hurdle. He’s built for the winter game and the booking of Harry Cobden takes the eye.

SOMETHING (5.00 Newcastle, nb)

Had three lengths in hand here on Tuesday and can follow up under a penalty. He will take some pegging back from the front.

UNIQUE SPIRIT (4.25 Newcastle, Lucky 15)

Did well to score from a mile back here last time. A 2lb rise won’t put the brakes on.

Templegate’s tips

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OUR much-loved astrologer Meg sadly died last year but her column will be kept alive by her friend and protégée Maggie Innes.

Read on to see what’s written in the stars for you today. 

ARIES

March 21 to April 20

Money makes the world go round, but if you start to see you’re letting cash take too much control, the moon can help you change this.

Plus, you can cut any ties that keep you repeating habits that no longer fit you.

Love-wise, this can be a day of acceptance, as you let go of what cannot be, and look forward with optimism

 TAURUS

April 21 to May 21

Your moon-powered personality zone creates an air of mystery wherever you are.

So even a few formal words over the phone or in a message can light up a life-changing connection.

If you’re settled with someone, friendship and passion make a fabulous mix, and loyalty matters to you, whether or not you admit it

Get all the latest Taurus horoscope news including your weekly and monthly predictions

GEMINI

May 22 to June 21

You have such a lot to give, but with the moon challenging Mercury, it may be hard to see how to do this well.

A “P” offer that appears today can plant you at the heart of a group that’s ready to take on the world.

Your learning skills are on the up, so you can breeze into a new qualification, or start a test application again.

Get all the latest Gemini horoscope news including your weekly and monthly predictions

CANCER

June 22 to July 22

You shine through as the calm voice of reason in a group. But talking to yourself in a kinder way, too, can unlock positive feelings.

Mer-cury adds your unique voice to an ongoing creative discussion. This can get professional sources asking questions about you.

A prize you have long eyed up is getting closer

Get all the latest Cancer horoscope news including your weekly and monthly predictions

LEO

July 23 to August 23

Personal success is running through your chart – of all the chances you wish you had grabbed over the past few months, the right ones can reappear today.

This may include a celebrity name, or set of numbers.

Your love zone has an intensity that underlies some light-hearted queue banter, with red-hot results.

Get all the latest Leo horoscope news including your weekly and monthly predictions

VIRGO

August 24 to September 22

You have a streak of adventure that turns back time or turns up the heat – maybe both.

The wonderful way you make every single person in your life feel extra special sets you apart.

But think carefully about a workplace bond – and when (or if!) you should cross a line. Lucky numbers start or end with your birth date.

Get all the latest Virgo horoscope news including your weekly and monthly predictions

Getty

Single? A music class can play your love tune[/caption]

LIBRA

September 23 to October 23

You bring new levels of creativity to a project. This can reinvigorate everyone in- volved. This time, a shared solution can be found.

As for love, what you learn about people close to you is a surprise – but it’s what you learn about yourself that has the real wow factor.

Single? A music class can play your love tune.

Get all the latest Libra horoscope news including your weekly and monthly predictions

SCORPIO

October 24 to November 22

Your chart is togetherness-focused today. If you’ve been pulling away from someone (partner, parent, friend, colleague) now you find ways to reconnect.

It’s important to deal with an issue rather than leaving it to grow.

Saturn’s support highlights an entertainment-led group as a great place for you to be.

Get all the latest Scorpio horoscope news including your weekly and monthly predictions

SAGITTARIUS

November 23 to December 21

Your health is your own business. As soon as you decide to take charge of this, you can feel the difference. Start working positively with what you have, rather than dwelling negatively on what you don’t.

A love bond that’s equal in every way can be part of your near future, linked to

“T”. Lucky names link to early schooldays

Get all the latest Sagittarius horoscope news including your weekly and monthly predictions

CAPRICORN

December 22 to January 20

Prizes, romance and playfulness make up the sociable heart of your chart, but you may not always notice them.

So make a promise to yourself to really look, listen and learn, everywhere you go, including unlikely locations.

If a family request is aimed at your heart, transfer it to your head – apply famous Capricorn logic.

Get all the latest Capricorn horoscope news including your weekly and monthly predictions

Supplied

News of a new, maybe part-time, work placement can re-open a romance route[/caption]

AQUARIUS

January 21 to February 18

A home-enhancing moon can give rise to such a special feeling in a location that feels familiar, even if you’ve never been there before. Do act on this and secure your future.

Maybe you long to be a different kind of lover, but it’s hard to decide how or when.

Today, as Saturn inspires loyalty vibes, you can take the first step

Get all the latest Aquarius horoscope news including your weekly and monthly predictions

PISCES

February 19 to March 20

Too many options can prove too much for your Pisces mind, so take time to scale down your choices and leave yourself with a small selection you sense could work.

When you invest your whole self in one of these, the future can flower.

News of a new, maybe part-time, work placement can re-open a romance route

Get all the latest Pisces horoscope news including your weekly and monthly predictions

A MAJOR supermarket’s own-brand Irish cream has pipped Baileys to top spot in a blind taste test.

Consumer website Which? asked a group of Irish cream fans to rate their favourite tipple out of a list of six in the run up to Christmas.

Sainsbury's

Sainsbury’s Taste the Difference Irish Cream liqueur has won a Which? blind taste test[/caption]

Sainsbury's

The supermarket chain pipped Baileys to the top spot[/caption]

And they gave Sainsbury’s 70cl boozy bottle, priced at £13, a 74% rating overall, beating Baileys to the number one spot.

Shoppers highlighted the products’ well-balanced sweet, boozy flavour and creamy mouthfeel.

Meanwhile, the 70cl bottle of Baileys Irish Cream Liqueur, priced at £16.50, received a 73% overall rating.

The branded version scored high marks across the board, with most tasters praising its sweetness, creaminess and strength of alcohol.

M&S’ Irish Cream Liqueur (£10 for 70cl) scored a 72% overall rating, with Lidl coming in fourth with 71%.

Meanwhile, shoppers said Lidl’s Deluxe Irish Cream Liqueur, priced at £7.99 for a 70cl boozy bottle and the joint cheapest out of all six bottles, had a decent flavour and mouthfeel.

Aldi’s 70cl bottle was the other joint cheapest on the taste test, priced at £7.99.

However, it scored second lowest in the blind taste test, with panellists deeming it lacked flavour and aroma.

Morrisons‘ 1litre The Best Irish Cream Liqueur, priced at £16, scored the lowest out of all six bottles tasted by the panellists.

They found it had a good mouthfeel but the appearance, aroma and flavour were rated worse than the others in the line up.

Natalie Hitchins, Which? head of home products and services, said: “Irish cream liqueur is a much-loved staple, and in the lead up to the festive season some shoppers will already be thinking about how they can get hold of a great-tasting option at a reasonable price.

“In our taste tests, Sainsbury’s was our panel’s top choice and was awarded a Best Buy.

“The bottle costs £3.50 less than Baileys and is a great budget-friendly alternative.”

It’s worth bearing in mind, the prices Which? found for the six bottles are correct as of October 15.

That means you might have to pay more or less when you come to buying one.

If you’re not fussed on flavour and are more worried about cutting costs, use a price comparison site to find the best deal.

Trolley lets you compare prices on thousands of products across the major supermarkets and filter results from the least to most expensive.

Bear in mind it doesn’t include prices from some retailers though, like Home Bargains and Lidl.

You can also have a quick scan of the internet with the Google Shopping/Product tab to see which retailer has the cheapest price on a specific product too.

In other taste test news, The Sun tried supermarket tinned pastas with a £1 can winning top spot.

Plus, reporter Joe Hadden tried the new tinned Heinz carbonara that can be cooked in two minutes.

OVER one million people face a shortfall of £2,858 in retirement, experts have warned.

Anyone who has just the state pension to live off would run out of cash today, according to the Pensions and Lifetime Savings Association (PLSA),

A single pensioner needs an annual income of £14,400 to meet the what the PLSA calls a “minimum” standard of living.

It aims to cover all of a retiree’s basic needs as well as to have a small amount left over for leisure.

But the new state pension is currently worth just £11,542 annually.

That means that those without extra savings would exhaust their income by October 18, which the PLSA has branded “State Pension Shortfall Day” .

Around 1.2million retirees will need to contribute an extra £2,858 from a private pension or other savings to bridge the gap.

Pensioners aiming for “moderate” or “comfortable” retirement need more savings to cover annual expenditures of £19,758 and £31,558 a year respectively. 

A moderate retirement is considered slightly more extravagant, while a comfortable one includes extra cash for multiple holidays abroad.

It means those relying solely on the full new state pension would run out of money even earlier in the year if their spending aligned with these higher standards.

The PLSA updates its retirement living standards each year to consider the rising cost of living.

They’re designed to help savers determine how much cash they’ll need when they stop working.

They don’t count mortgage payments or rent or any financial support you give your children or other dependents.

If you think you’ll still have those costs to meet when you retire, you’ll need to up your savings considerably.

Stephen Lowe, group communications director at retirement specialist Just Group, said: “At a time when government support for retirees’ finances is under scrutiny, State Pension Shortfall Day marks the day in the year when a pensioner living to a ‘minimum’ standard would theoretically run out of money if their only source of retirement income were the state pension.

“Despite two successive, significant increases, the full new state pension still falls nearly £3,000 a year short of meeting the ‘minimum’ of the PLSA’s Retirement Living Standards and is nearly £20,000 lower than the income required to support a ‘moderate’ standard of living.”

THE ‘MINIMUM’ RETIREMENT

The PLSA’s minimum retirement living standard covers all of a retiree’s basic needs as well as having some money left over for fun.

It includes a week’s staycation each year, eating out once a month, and some affordable leisure activities twice a week – but no car.

The PLSA says to afford this retirement, you would need an annual budget of £14,400 as a single person and £22,400 as a couple. 

It’s important to remember that the state pension will make up part of that income. 

Retirees can start to claim the state pension at 66, though if you’re retiring after 2026, you’ll almost definitely see that minimum age rise.

Those claiming the full flat rate state pension now receive £221.20 a week, equal to £11,542 a year.

However, not everyone qualifies for the full amount.

If you had gaps during your working year, you may have paid less national insurance and would receive a smaller state pension to reflect that.

However, millions of retirees can still top up their national insurance contributions.

THE ‘MODERATE’ RETIREMENT

For a slightly more extravagant retirement, an individual will need an income of £31,300 a year or £43,100 for a couple.

The moderate retirement living standard includes a two-week holiday in Europe each year and eating out a few times a month. 

Around half of single employees are estimated to be on track to achieve a minimum or moderate retirement, with couples more likely to be at the top end of this range.

THE ‘COMFORTABLE’ RETIREMENT

To live comfortably in retirement, the PLSA said an individual would need an income of £43,100 a year, and a couple would need £59,000 between them. 

This includes a three-week holiday, plenty of money to spend on clothing and more on social activities such as birthdays. 

It would also be enough to cover several UK minibreaks a year.

Frosty start to Friday, but with sunshine and dry air, a big warm-up expected thru the weekend.

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