Its members, according to a recent survey, most want inflation protection, flexibility, savings that match longevity, market-risk protection, access to lump sums and the ability to pass on funds to dependants.NEST currently has 2.1m members and more than £470m (€660m) in assets under management, with a public service obligation to accept any employer undertaking auto-enrolment.At retirement, the system will transfer 90% of a member’s savings into the income drawdown fund, with the remaining 10% transferred into an accessible cash fund.The drawdown fund will invest in an income-generating portfolio, which NEST said would provide a monthly retirement income.NEST said it would look to design an investment solution that accounted for inflation protection, as well as sequential risk – the risk of members losing a significant proportion of savings in early years due to market falls.The 10% cash fund is to run separately from the drawdown and will be invested in money market instruments to allow savers to take out lump sums without having to sell other assets.NEST said the separate cash fund meant members could access 10% of their savings without undermining the sustainability of the monthly income provided by the drawdown fund.After retirement, around 2% of the income drawdown fund will be siphoned off annually to finance an eventual annuity purchase.The deferred annuity will be bought after 10 years in retirement and kick-in after an additional 10 years.The master trust said it needed to consult with the industry to work out how the annuity would be offered, given that the UK deferred annuity market was not yet fully developed.It said it had not ruled out a collective DC (CDC) system, whereby members pooled mortality risk, and annuities were provided from a central fund, but it acknowledged it had reservations.However, it ruled out making monthly or annual deferred annuity purchases – akin to Denmark’s ATP’s approach – as this would prevent members from growing the annuity fund with contributions from the drawdown fund, as well as hinder flexibility.When the annuity becomes active 10 years after purchase, the income a member receives will flatten out and provide a steady income until death. (see chart)#*#*Show Fullscreen*#*# The National Employment Savings Trust (NEST) has set out its new structure after the move away from compulsory annuities in the UK forced an overhaul of its at-retirement system.The government-backed defined contribution (DC) master trust will now change from offering annuity-matching and cash-pot options to include a three-phased system with income drawdown.Members will have the flexibility to choose their approach, but there will be a default that includes income drawdown which simultaneously supports a cash account and slicing off savings to fund an annuity purchase.NEST said this would ensure its system met all its members’ requirements. Source: National Employment Savings TrustRetirement income stream under NEST default option with assumed retirement age of 65NEST said it had yet to work out whether the provision of income drawdown would be managed in-house or externally, but it did stipulate there could be a minimum fund size to enter the drawdown option – with preliminary discussions mooting the £30,000 mark.CIO Mark Fawcett said the implementation timeline was still unclear and – given that the average pot size is approximately £200 – would not be required for some time.According to NEST, members will be able to move out of the default option at any point prior to annuity purchase, while any remaining funds can be added to the annuity fund or passed onto dependants as inheritance.“We have confidence the over-arching aim of a standardised strategy should be to provide a regular income throughout retirement, without requiring regular intervention by the member,” it said.“To reflect differing needs at different phases of retirement, there should also be varying proportions of flexibility, inflation protection and longevity protection.”Fawcett said the scheme developed an evidence-based blueprint to meet member needs and hoped it would stimulate the necessary innovation.He added that, while its design had been considered, the technicalities – particularly around the deferred annuity purchase – needed further consultation and industry input.
More from newsParks and wildlife the new lust-haves post coronavirus10 hours agoNoosa’s best beachfront penthouse is about to hit the market10 hours agoThe kitchen before the renos.Other original features of the home include soaring ceilings, wide verandas, gleaming floorboards, and ornate fretwork. There is an airconditioned wine cellar with capacity for 490 bottles and an in-ground Quartzon saltwater swimming pool.Set across two levels, the circa 1904 home also features doors from Mrs Walsh’s late grandparents’ home at Chermside. The kitchen area is spacious and sleek. Triple-storey ‘manor’ for sale Is your yard a honey pot? 114 Ratcliffe Rd, Hunchy after the renovation. Brisbane Lions halfback on why he loves Camp Hill The property is positioned between Palmwoods and Montville and being sold by Property Lane Realty Woombye, selling agent Athena Law. Phone 0408 884 104. Wine and dine your friends at 114 Ratcliffe Rd, Hunchy. “My grandparents had an old Queenslander at Chermside and when they passed the house was demolished but I laid claim to their French doors,” she said.“We had them sent to Cairns where we were living at the time but then had to get them sent back to Hunchy where we were moving to due to work.”With Mr Walsh now working in Brisbane, the couple have decided to sell their sprawling property and downsize.“It’s only a few years until retirement so Brisbane is a stepping stone for us,” Mrs Walsh said. What a stunner, check out this home at 114 Ratcliffe Rd, Hunchy.While it took 14 years and more than $1 million to renovate the home known as Raincourt, it was cut in half on site at Cardross St, Yeerongpilly and later relocated to 114 Ratcliffe Rd, Hunchy.Mrs Walsh said she bought the home without her husband having laid eyes on it.“He was a pilot with Virgin and I just made the decision,” Mrs Walsh said. “I bought him a ute and a house, and he really loved it. He was in Melbourne for a course”.When Mrs Walsh decided the home needed a bit of work she turned the front bedroom into a dining room. “We closed it back off and made something out of it,” she said.“The nursery ended up being turned into an ensuite. We opened up the wall between the lounge and dining area and we moved the fireplace a number of times.“There were beams where we kept wanting to put it, hence the constant move.“We put in casement windows and French doors leading onto the veranda. Those doors came from the Gympie Police Station. And we also extended the kitchen upstairs”. One of the bathrooms at 114 Ratcliffe Rd, Hunchy. The bathroom had a massive makeover. 114 Ratcliffe Rd, Hunchy before renovations.Historic French doors from a country police station have been incorporated into the renovation of this beautiful hinterland homestead, which once sat on a block of land in Brisbane.The four-bedroom, three-bathroom home is now on a 0.49ha site at the Sunshine Coast having undergone an extensive renovation by Ruth and Tony Walsh. MORE:
The FA had been braced for a response from Klopp in the event of Liverpool drawing at Shrewsbury, but they were, sources say, surprised by the strength and public nature of his comments. Premier League clubs fielding weakened sides in the FA Cup is nothing new. Watford made wholesale changes for their third-round replay at Tranmere last week, losing 2-1, while Liverpool themselves fielded a vastly inexperienced side when beating Everton 1-0 in their third-round tie earlier this month. It is unlikely, at this stage, that the FA will entertain calls to scrap replays entirely, as per Klopp, Guardiola and Mourinho’s wishes. The Shrewsbury case, they will argue, is a perfect example of why replays exist. The League One club can expect a healthy windfall from their Anfield visit in terms of television and gate receipts – although Liverpool are yet to confirm ticket prices for the game. Indeed, Shrews manager Sam Ricketts confirmed on Sunday that the money earned from the replay would help pay for new video analysis equipment and improved drainage at the club’s training ground. The example of Lincoln, who reached the quarter-finals as a non-League club in 2017, can also be cited. The Imps earned around £1.3 million from that run, using the funds to build a new elite performance centre. They have since earned promotion to League One. Shrewsbury have already earned around £225,000 from their cup exploits this season, and would earn a further £180,000 were they to win the replay – a distinct possibility if they are facing an Under-23 side. Their funds will be further boosted by television revenue, with Sunday’s game having been broadcast live on BT Sport. The likelihood is that the replay will also be screened live, even if Liverpool do field a youth team. Read Also:Klopp: Liverpool will snub FA Cup replay against Shrewsbury Liverpool did exactly that in the quarter-final of the Carabao Cup at Aston Villa, a game which took place just 24 hours before the Reds played Monterrey in the Club World Cup semi-final in Qatar. On that occasion, the club were deemed not to have a choice, with their youngsters, managed by Critchley, beaten 5-0 at Villa Park. Days later, the first team beat Flamengo to become world champions for the first time in the club’s history. FacebookTwitterWhatsAppEmail分享 Loading… Jurgen Klopp’s threat to “play the kids” in Liverpool’s FA Cup fourth-round replay with Shrewsbury has been met with bemusement at the Football Association, but sources have told Goal the Reds boss’ dramatic decision is unlikely to lead to major changes in the way English football’s oldest cup competition is set up. Klopp sparked huge debate across the football world after announcing, in the wake of his side’s 2-2 draw at the Montgomery Waters Meadow on Sunday, that he planned to “respect” the Premier League’s mid-season break by allowing his first-team squad to miss next week’s replay against the League One outfit. The Reds boss said that he himself would not be present for the game, which will take place at Anfield on February 4 or 5. Instead, Neil Critchley, manager of Liverpool’s Under-23 team, is set to take charge. ‘He has so much potential but he rarely uses it’ – Augustin is Bielsa’s big Leeds gambleKlopp has been both vocal and persistent in his belief that the demands placed upon elite players are too great, and has repeatedly called for changes to the fixture calendar. He, along with fellow high-profile managers such as Pep Guardiola and Jose Mourinho, has called for cup replays to be scrapped altogether, and has vehemently criticised the Football League for insisting upon a two-legged League Cup semi-final. His comments after Sunday’s game at Shrewsbury, therefore, were no surprise. He spoke safe in the knowledge that Fenway Sports Group, Liverpool’s owners, support his stance. There is no danger of any internal criticism. The wider debate, though, will rage. Andy Holt, owner of League One side Accrington Stanley, has labelled Klopp “a disgrace”, while others have called for Liverpool to be heavily sanctioned if, as is almost certain, they follow through with their plan to field an Under-23 side. FA sources, meanwhile, have been left surprised and frustrated by Klopp’s suggestion that it is they who are not respecting the mid-season break. It is understood that all Premier League clubs were informed prior to the season that FA Cup fourth-round replays could impact upon their winter break. The FA, sources have confirmed to Goal, have been big advocates of the break, which they argue is even more important this year with the European Championship to come this summer. They have already agreed to move the fifth round of the competition to midweek, a decision which sources say will cost the FA significantly in terms of commercial revenue, and with the Champions League set to resume in three weeks’ time, it is difficult to see an alternative slot for any fourth-round replays.
RelatedPosts Ighalo: My best moment as ‘Red Devil’ EPL: Crystal Palace stun sloppy Man U EPL: Red Devils attack Palace Manchester United will have to complete the £20 million (N9.6 billion) transfer of Odion Ighalo by the end of May, after loan talks with Shanghai Shenhua reportedly collapsed.United chiefs were hoping to extend the Nigeria international’s loan deal for the Premier League’s “Project Restart” but the Chinese outfit will only sanction a permanent deal. With Ighalo’s loan drawing to a close at the end of the month, United now face a decision whether to cough up £20 million to sign him or accept he won’t be part of their squad if and when the season resumes.The Chinese Super League is set to resume in July meaning it’s likely there will be a clash with delayed Premier League fixtures, which is why Shanghai bosses are unwilling to extend his loan deal.And they will only let him return to the Premier League if their £20 million valuation is met by the end of the month, according to The Sun.Ighalo has a stunning £400,000-a-week deal on the table in Shanghai – figures United cannot match.They also potentially face competition from Newcastle United, should their takeover be completed. Their prospective new Saudi owners are keen on a deal for the 30-year-old as they look to overhaul the club’s squad.Ighalo, who has scored four goals in eight appearances for the Red Devils, has previously outlined his hopes to remain at Old Trafford until the end of the season, telling BBC World Service: “I would like to finish the season if it’s possible.“I was in good form, good shape, scoring goals and now we’ve stopped for over a month. I’ve given it my best and hopefully we’ll come back to play.“The team had a good momentum before the pandemic started. At the moment I’m on loan, and this will cut short my time at the club.“The club, myself, every footballer is going through a lot because we can’t do what we love and what we know how to do best, so we’re just thinking about that for now and to finish the season before we start thinking about the contract.” Tags: BidManchester UnitedOdion IghaloShangai ShenhuaTransfer Talks
“The club has been trying to establish itself in the top four for some years now.” The table certainly suggests Spurs are close to their London rivals Chelsea, with just one point separating the two clubs. Lloris has been pleased with the start to the season but is also wary of the threat from other teams currently outside of the top four. He said: “For the minute, the season has been promising, but the hardest part is yet to come because there are still a number of key matches to be played and we’ll have to be ready for that. For the moment, we’re well-placed, though we’re not beyond a possible charge by Arsenal.” Lloris had to be patient after initially making the move to England due to Villas-Boas keeping faith with Brad Friedel. Now established as the first-choice goalkeeper at Spurs, Lloris reckons the experience of challenging Friedel for the position has made him stronger. “Things were very clear, that I was coming to Tottenham as the number one,” he said. “But the manager made a decision at the start, and then made a different one a few weeks later. The negotiations over the move were with the chairman, but it was also the choice of the coach. I also had talks with him during that time. “It’s not easy, because I came in after the start of the season, and he was already under pressure because the results were not good at that point in time. It’s the sort of situation which helps you grow, it’s a personal challenge.” Spurs currently sit behind Manchester United, Manchester City and reigning European champions Chelsea in fourth spot after accruing 48 points from their opening 26 league games. Lloris, 26, moved to White Hart Lane in the summer after a four-year spell with Spurs’ upcoming Europa League opponents Lyon. Now he is part of Andre Villas-Boas’ Champions League-chasing squad and Lloris told French radio station RTL he believes Spurs are getting closer to the teams above them in the table. “Today, there’s United, City and Chelsea who are a cut above, and who have more financial means. But Tottenham is just behind,” he said. Tottenham are the fourth-best team in the Barclays Premier League but are closing in on the two Manchester clubs and Chelsea, according to goalkeeper Hugo Lloris. Press Association
“I’ve enjoyed my time so far and hopefully we can have many more seasons like the last one and achieve more things. “It (promotion) was definitely the highlight of my career. “It’s always been a dream of mine to play in the Premier League and hopefully that will be realised this season. “Last season was a fantastic season for all the lads and we need to go on, push on and top that now which would be really nice.” The 24-year-old, who had 12 months remaining on his existing deal, was a key figure in the team’s promotion success last season which saw them keep 19 clean sheets. “It was an easy decision to make, I’ve enjoyed my time here, particularly under Sean (Dyche) and it’s been a great time since I joined,” he said. Burnley defender Ben Mee has signed a new three-year contract ahead of the club’s return to the Barclays Premier League. Press Association
highlights For all the Latest Sports News News, Cricket News News, Download News Nation Android and iOS Mobile Apps. India have never won a T20I series in New Zealand.New Zealand registered their seventh win in nine games in Hamilton.Colin Munro’s 9th fifty boosted New Zealand to their 2nd 200+ score in this series. New Delhi: India needed 68 in the last five overs in their pursuit of 213 against New Zealand in Seddon Park. Rohit Sharma, MS Dhoni and Hardik Pandya, all the big-hitters who were capable of taking India over the finish line had departed. However, Dinesh Karthik, who had helped India clinch victory against Bangladesh in the Nidahas Trophy final in a similar position was there along with Krunal Pandya, a capable batsman. Karthik smashed debutant Blair Tickner for a boundary in the 17th over but Krunal broke the shackles by hammering Tim Southee for two fours and a six in the 18th over. The equation boiled to 30 off 12 balls and India were in the contest with Karthik and Krunal smashing a six off Scott Kuggleijn. India needed 16 off 6. Southee held his nerve but on the third ball, Karthik refused the single to Krunal and the match was sealed. A six was hit of the last ball but New Zealand held on to seal a tense four-run win and win the three-match series 2-1 on Sunday.It was a day of coincidences in both the men’s and the women’s team. In the women’s game earlier, India needed 16 off the last over but they lost by two runs. In this game, Southee managed to defend 16 but there will be plenty of discussions as to why Karthik refused the single which could have raised some tension in the New Zealand camp. Kane Williamson’s team, though, will not be complaining as they sealed the win to bounce back in style after a poor ODI series in which they were outplayed. Rohit won the toss and brought in Kuldeep Yadav in place of Yuzvendra Chahal but it was the hosts who dictated the course of the game.Just like they had in Wellington, Colin Munro and Tim Seifert gave New Zealand a blazing start. Munro got going with a six off Bhuvneshwar Kumar while Seifert launched Khaleel Ahmed for a four and a six. The final over of the powerplay, bowled by Krunal, resulted in a deluge of runs with both Munro and Seifert clearing the boundary as New Zealand raced to 66/0. Hardik felt the brunt in the next over with both batsmen finding the boundary. Kuldeep’s first over produced a stunning stumping from Dhoni that saw Seifert being dismissed for 43 but Munro notched up his ninth fifty with two sixes off Kuldeep and Krunal. Munro benefited from a drop from Khaleel and he punished Hardik by smashing a full toss to deep midwicket with Vijay Shankar fumbling and he launched the bowler for another six. Munro’s big hitting rubbed was halted when Kuldeep snapped him for 72 and after hitting two boundaries, Williamson’s (27) brief cameo was ended by Khaleel. Krunal’s day became even worse with Colin de Grandhomme smashing him for 15 runs in the 16th over. De Grandhomme hit two fours off Bhuvneshwar and some superb hitting from Mitchell and Ross Taylor helped New Zealand end on 212/4. Taylor ended the innings on a high with a last ball four off Khaleel which proved to be costly in the long-run.India stutterShikhar Dhawan has been the man in form in T20Is but when he fell in Mitchell Santner’s first over, India were facing an uphill task. Vijay Shankar got going with a couple of fours off Kuggleijn and Rohit also held one end up by finding the gaps on a regular basis as India smashed 57 in the powerplay. Shankar raised the tempo by hammering two consecutive sixes off Ish Sodhi but Santner took his second wicket when Shankar (43) holed out to deep midwicket.Rishabh Pant started like a train and he blasted three sixes and a four to race to 23 off 6 balls but New Zealand built the pressure with two quiet overs. Pant felt the pressure and he gifted Blair Tickner his maiden T20I wicket. Hardik Pandya struck a couple of sixes off Mitchell but once he and Rohit fell in quick succession, the game was up for India and even a late fightback could not prevent India from ending their sojourn Down Under on the ultimate high.With overseas results going India’s way, it is now time to get into World Cup mode as the countdown enters the final stage.
Many students know USC raises a lot of money from alumni and other donors, but few know about the person whose job it is to raise that money.Money talks · Sam Lopez, USC’s new assistant vice president for advancement communications, will work with President-elect C. L. Max Nikias on future fundraising efforts. – Sunil Murali | Daily Trojan For the past five weeks that person has been Sam Lopez, USC’s new assistant vice president for advancement communications.“Fundraising is an art form,” Lopez said. “There are many ways it can be done. In the world of communications, we help get messages to the donors. We help connect the great ideas and talent of this university to its sponsors.”Lopez said forming strong relationships between donors and the university is crucial to raising money.“It’s about tailoring the message to the audience,” Lopez said. “We form partnerships between donors and what they care about. It’s like matchmaking.”Though a major aspect of Lopez’s job is to raise funds for the school, his job also encompasses updating the school’s infrastructure. The Division of University Advancement constantly evaluates how the school does business and works to make enhancements that will raise the overall quality and cost-effectiveness of the university.Re-evaluating the current infrastructure is especially important now, Lopez said, since USC’s administration will be facing changes upon President Steven B. Sample’s retirement. He has to ensure the office of advancement is working to meet the needs of the current administration, as well as the next.“USC raises a lot of money,” Lopez said. “We’re one of the top universities for that, and we don’t want to lose that momentum.”Courtney Surls, vice president of development, said a smooth presidential transition is something the Division of University Advancement has been preparing for the past two years.“We know that [Nikias] has a bold vision for the future that will build on everything President Sample has already done,” Surls said.Nikias’ aspirations for USC include doubling the size of the school’s endowment.“He’s very focused on fundraising,” Surls said. “We’re making sure we have our systems and procedures aligned, that we have the right people in place, that it’s a very professionalized system.”Peter Lasher, associate senior vice president for development, agreed.“[Nikias] is coming in with a very ambitious plan,” Lasher said. “We have to help translate it into different donor postulations and help them understand how their private donations will make a difference.”Lopez’s job is also made more difficult by the recent economic crisis, which has affected schools’ fundraising all across the nation.“USC donations dropped 9.8 percent last [fiscal] year,” Lopez said. “It was still less than the national average, which was 11.9 percent. But as confidence in the economy returns, so will philanthropy.”Lopez, however, said the biggest challenge facing USC isn’t fundraising at all, but changing certain perceptions about the school.“Our biggest challenge is overcoming the perception that we don’t need resources,” Lopez said. “Without the support of alumni and friends, this place wouldn’t have the quality of education, research, academic programs, sports and more, that it has. It would be devastating.”Lasher said the office needs to ensure that every small donation goes appreciated.“Sometimes when we think about donors, we think about a big monolithic group,” Lasher said. “But we’re expecting a different kind of generation, and the practices we’ve traditionally used are evolving.”Lopez, who’s been working in higher-education communication for 16 years and at three other universities, added that working in the division of university advancement has been great so far.“There’s a lot of collegiality among advancement staff,” Lopez said. “A university is many pieces, and one area helps raise other areas.”Though most students don’t know anything about the division of university advancement, it’s a function that all schools have and Lopez is more than happy to spread the word.“The future philanthropists are current students, so it’s great to spread the word about what we do,” Lopez said.
Sports are like drugs. They can be very addicting.That is why, to most people, the advent of ESPN is the greatest thing since sliced bread. It is a TV network that has sports on 24 hours a day, seven days a week. You can see all your favorite teams’ scores, highlights from past games and even get the occasional quip about Charlie Weis’ waist size.However, with its rise in popularity since it first went on the air in 1979, the network has grown beyond what it originally intended to do. At first, it provided America with more than mainstream sports. Fans could watch everything from bull riding to rugby. In a sense, it took the place of the Wide World of Sports and broadened the horizons of sports fans across the nation.Now, the network has expanded its reach. It is the primary outlet for all sports news in both broadcast and print. It not only has “SportsCenter” to replay the day’s highlights and scores but also has a multitude of programs pertaining to specific sports, such as “Baseball Tonight” and “NFL Live.” The ESPN conglomerate also added a magazine to compete with established Sports Illustrated.The network does not only disseminate news but also provides opinions as well. Every weekday afternoon, the network devotes an hour and a half of its programming solely to opinion shows. Even if all three shows present the same opinion, people can’t get enough of grown men and women yelling at each other, trying to prove whose opinion is more relevant.Although the network does provide us with all the sporting information we will ever need, its domination over the market has led to a problematic situation in sports journalism. Mainly, the network has become so influential and overbearing, it has gained the ability to decide what is news and what is not in the world of athletics.One of the main examples in which the network made news out of nothing was any instance involving Cincinnati Bengals’ embattled wide receiver Chad Johnson. With every new touchdown celebration, list of defensive backs in his locker and every bit of trash talk, ESPN was there. In fact, during the 2005 season, the network would announce rumors dispelled by those around Johnson about what his next move would be. The speculation would then dominate all the shows on the network for the next few days.Johnson’s escapades took the headlines by storm this year when he legally changed his last name to “Ocho Cinco,” which comes from his jersey number, 85. Again, the headlines were everywhere, from TV to the magazine to the website.Other than getting into a discussion of Johnson’s character issues, what would have happened if ESPN had totally ignored all of the trash talking and “Hi Mom” sign waving he had done in the previous year? Would anybody care?In an essence, ESPN made the Chad Johnson issue an issue. Every week after he put on another show for the media, at least one segment of Sports Center would be devoted to Johnson. Furthermore, each of the “talking heads” shows the network airs each day had a segment on it. ESPN not only created the news, with the use of supposed experts on the situation, but it told us what to think about the news.ESPN’s dominance over the sports news market has not only given them control over what is news and what is not, but also makes it harder for other opinions to be heard. With every new show and broadcast, they are pushing out other competing news sources. Shows on Fox Sports Net and other local networks do not even stand a chance against the wide expanse of ESPN’s base.There are several dangers in having a network as powerful as ESPN. If a station has complete control over the news, they will then have unprecedented power over the thoughts and beliefs of the American people. Furthermore, they can also influence other organizations with the information they decide to share versus what they do not.Their power over other press organizations has increased over the years as well. For a long time, to add to the credibility of their reports, the network has attracted local sports writers from across the nation to be part of their many talk shows. However, by luring writers such as Jay Mariotti of the Chicago Sun Times and Rick Reilly of Sports Illustrated, the network has been able to use their popularity for their own success, sometimes taking journalists away from their respective print publications. Losing writers with the credibility Mariotti and Reilly had takes away some of the power the publication had. Furthermore, it transplants their fame and influence to the network which captivates the largest audience.Although ESPN does dominate the sports news market, it is hard to quit it. Without it, it would make getting our daily dose of highlights and scores a lot more difficult. But until we find an alternative to the ESPN fix, it will be hard to alleviate our addiction.Ben Solochek is a senior majoring in journalism and history. If you want to start a new sports station, e-mail him at firstname.lastname@example.org.
Provincial league champions Clonmel won 27-10 in their quarter-final tie in Bandon.Clanwilliam overcame Cork Constitution 26-25 to advance to the last four.However, Cashel went out yesterday – Bandon beat them 10-3 in Cork. Nenagh Ormond are through to the Bank of Ireland Munster Junior Plate Final.An 11-0 home win over Castleisland earned them a place in the decider.Thurles are still in with a chance of being their opponents.They won 51-0 at Presentation to book a place in the semi-finals.