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Daily Mail
2 hours ago
- Sport
- Daily Mail
Besiktas 'terminate the contract of former Arsenal and Liverpool star' after two years at the club
Besiktas have terminated the contract of a former Arsenal and Liverpool star. The player signed for Besiktas in 2023 and made 50 appearances for the club, while he scored five goals. His contract with the Turkish club was previously set to run until next summer. A former England international, he won the Turkish Cup and the Turkish Super Cup while at Besiktas. However, he will now be on the lookout for a new club this summer. He wasn't considered part of manager Ole Gunnar Solskjaer 's plans for the new campaign. As reported by Yeni Safak, Besiktas have terminated the contract of Alex Oxlade-Chamberlain. The midfielder struggled with injury midway through his first season at Besiktas but featured prominently last campaign. Between 2012 and 2019 Oxlade-Chamberlain was capped by England on 35 occasions and scored seven goals. After starting out at Southampton, he signed for Arsenal in 2011 and played 198 times for the Gunners, scoring 20 goals and winning three FA Cups. A move to Liverpool followed in 2017, with Oxlade-Chamberlain winning an array of trophies during his time with the Reds. He won the Champions League, the Premier League, the League Cup, the UEFA Super Cup and the Club World Cup. In total Oxlade-Chamberlain scored 18 goals in 146 appearances for Liverpool. A player who was very highly rated as a youngster, Oxlade-Chamberlain has often endured problems with injuries. The 31-year-old has previously been linked with a return to English football and it will be interesting to see what his next destination is.
Forbes
2 hours ago
- Business
- Forbes
Rethinking Wealth And Inclusion In Financial Planning
How Empathy and Innovation Can Close the Retirement Gap, Breaking Barriers to Retirement Security for Every American A picture taken on December 7, 2021 in Istanbul shows US dollars banknotes. - Turkey's annual ... More inflation rate jumped over 20 percent in November, official data showed on December 3, 2021, after a currency crisis last month in which the Turkish lira hit record lows against the dollar. (Photo by Ozan KOSE / AFP) (Photo by OZAN KOSE/AFP via Getty Images)When it comes to building wealth and security in America, too many families — especially those living paycheck to paycheck — are left out of the conversation. For low-income households, retirement planning often feels like a distant luxury, and the pathways to financial empowerment can seem inaccessible. In this candid Forbes Q&A, I speak to Thasunda Brown Duckett, President and CEO of TIAA and one of just two Black women to helm a Fortune 500 company currently, to discuss the systemic barriers that keep millions from building a secure future and to share actionable strategies for closing the retirement gap. Our conversation offers insights and practical advice for individuals, organizations, and policymakers committed to making retirement security a reality for all Americans. Q: In my work with low-income families through the Magnolia Mother's Trust, I often hear that retirement planning feels like a luxury they can't afford. How do we change this mindset and make retirement security accessible for all income levels? A: When we talk about retirement security for low-income families, particularly those living in poverty, we have to acknowledge a fundamental challenge: our retirement system is built around earned income and workplace benefits. The majority of low-income Americans lack access to workplace retirement plans. So this isn't just about saving more — it's about addressing systemic barriers. We need innovative policy solutions that help all Americans build financial security, whether through expanded access to retirement plans for small businesses, state-sponsored programs or other approaches that recognize different economic realities. Q: Financial know-how has traditionally been a privilege of those who are in higher income brackets. From your perspective, what role should financial education play in closing economic gaps, and how early should it start?" A: Financial education isn't just for those with wealth — today's technology helps make it more accessible to everyone. What matters is starting early with practical moments: discussing grocery prices with children or opening their first savings account, which research shows correlates with college attendance. 29 states now require financial education for graduation. But education alone isn't enough. We also need policies that make saving easier and more accessible. Q: When I speak with young people, especially those just graduating college, retirement often feels too far away to prioritize. You've spoken about the power of compounding — can you break down why starting to save early is so crucial, even if it's just a small amount? A: Your first paycheck is your first opportunity to invest in your future self. I tell young people one word they need to know: compounding. When you start that first job, you're making more than you did before — so start saving before you get used to spending that money. And if you are working at a company that offers a retirement match, take full advantage. Because otherwise, that's free money you're leaving on the table. Q: What are the biggest challenges and opportunities that your clients face in the current economic climate, especially regarding inflation and retirement security? A: Today's economic headwinds — from inflation to market volatility — create real challenges for retirement savers. But here's what's most important and where I see the opportunity for our clients: stay the course with your retirement contributions and ensure part of your allocation includes protection through guaranteed lifetime income. This is a good time to meet with your financial advisor, review your portfolio, and reaffirm your long-term strategy. Because while market volatility isn't new — it's how you respond that matters. It's important to maintain a long-term perspective and stay invested. Q: What specific strategies is TIAA using to promote financial inclusion and close the wealth gap, particularly for underserved communities? A: Let me share what we're doing to make retirement security accessible to everyone. With 57 million Americans lacking access to workplace retirement plans, we're advocating for policies that help more employers offer these benefits. We're working to make saving automatic through features like auto-enrollment, which can increase participation rates from 60% to over 90%. And crucially, we're ensuring guaranteed lifetime income is available in retirement plans. Because this isn't just about saving — it's about making sure people can retire with dignity and not outlive their savings. LOS ANGELES, CALIFORNIA - NOVEMBER 15: President/CEO of TIAA Thasunda Brown Duckett speaks onstage ... More during the 'My Leadership Journey' discussion during The Range Rover Leadership Summit at the Academy Museum of Motion Pictures on November 15, 2021 in Los Angeles, California. (Photo byfor Jaguar Land Rover) Q: As a champion of financial empowerment, what initiatives are you most proud of, and what impact have you seen so far? A: What I'm most proud of is seeing the retirement security movement gain real momentum at scale, with unprecedented bipartisan support and public-private partnerships driving change. That's why we launched our Retirement Bill of Rights initiative — because solving the retirement crisis requires all of us working together. We're seeing concrete progress: more employers offering workplace plans, increased adoption of auto-enrollment features, and growing recognition that guaranteed lifetime income is essential. This isn't about individual programs — it's about transforming the retirement system to work for all Americans. Q: Can you share actionable advice for organizations seeking to build more equitable and inclusive cultures? A: Building inclusive organizations isn't just about initiatives — it's about creating environments where people can thrive long-term. Research shows companies with inclusive cultures see higher retention rates and stronger employee engagement. When people feel they can bring their authentic selves to work and share diverse perspectives, they're more likely to stay, grow, and build financial security. That's why at TIAA our Business Resource Groups — which are employee networks organized around shared identities or experiences — are so powerful. They're not just support systems; they foster intellectual curiosity and innovation while creating pathways for career growth and long-term success. Q: How did your upbringing and early career experiences influence your leadership style and vision? A: Growing up, my family was long on love but short on money. My parents taught me grit and perseverance — showing me that obstacles are opportunities to grow stronger. But what truly shaped my leadership style was seeing my parents and our community working incredibly hard, sometimes still coming up short. That taught me real empathy — not the soft kind, but the kind that drives you to truly see people, connect with their potential, and fight on their behalf. For me, leadership isn't just about personal success — it's about creating connections that help others unlock their own potential. Q: What does 'human capital transformation' mean to you, and how is TIAA preparing for the future of work? A: Human capital transformation means creating a workplace ready for tomorrow's opportunities. It's about being at the forefront of meeting our clients' needs while taking our culture forward. At TIAA, we're transforming how we operate with a focus on modernization that excites and engages our people. I'm particularly proud of our Guild Network, where thousands of employees are embracing new skills and technologies. Because true transformation happens when mindset and technology work together to fuel curiosity, growth, and opportunity. This is how we prepare our employees for today while building for tomorrow. Q: Beyond your executive roles, you serve on several influential boards. How do these experiences inform your leadership at TIAA and your broader vision for social impact? A: Board service, from public companies to startups to nonprofits, fuels my intellectual curiosity about how different people and organizations solve complex challenges. I'm constantly learning from diverse thinkers and different approaches to problem-solving. These varied perspectives and conversations strengthen my leadership muscle daily, depositing new insights into my skill set that make me a better CEO at TIAA. Q: How do you advise individuals who do not have a culture of planning for retirement to get started? How can you make planning and saving for the future seem possible when you barely get by financially? A: When you're living paycheck to paycheck, the message 'just save more' isn't helpful. Money is emotional, and retirement planning can feel overwhelming when you're focused on getting by today. But let's take the judgment out of it and just get started. Maybe it's asking your HR department about retirement benefits you might not know about. Maybe it's learning about budgeting from free online resources. Maybe it's setting up a small automatic transfer each payday. Start where you are — even small amounts matter. Small steps today can create meaningful security tomorrow. The key is taking that first step. Q: I did a TED Talk about redefining wealth to come up with a more inclusive version that applies to communities often left out of the conversation. So I'd like to ask you, how do you define wealth? A: Wealth isn't just about money or hitting a certain number. True wealth is about joy — enriching your life in meaningful ways. It's about security — having confidence in your future. Most importantly, it's about legacy — not just the financial assets you pass on, but the knowledge you've accumulated, the lessons you've learned, and how you use them to impact others. Just like financial wealth requires both accumulation and distribution, life's wealth comes from gathering experiences and sharing them forward.
Associated Press
7 hours ago
- Health
- Associated Press
Dr. Wonder Clinic Celebrates Major Milestone in Global Oral Health Advocacy with New Prevention Program
Dr. Wonder Clinic has launched a global oral health prevention initiative, marking a significant milestone in its mission to reduce oral diseases worldwide. Turkey, July 14, 2025 -- Istanbul, Turkey – July 7, 2025 – Dr. Wonder Clinic, a premier dental care provider in Turkey, today announced the launch of its comprehensive oral health prevention initiative, marking a significant milestone in the clinic's commitment to global oral health. This new program aims to raise awareness about oral disease prevention and provide accessible dental care to underserved populations. This announcement aligns with the clinic's broader mission to address the growing global oral health crisis, which currently affects over 3.7 billion people worldwide, according to the World Health Organization The initiative, which includes a series of educational campaigns and affordable preventive services, seeks to reduce the prevalence of tooth decay, gum disease, and tooth loss in both urban and rural areas. With an emphasis on preventive care, Dr. Wonder Clinic's new program is poised to make a meaningful impact on public health by providing tools and knowledge essential for combating oral health issues before escalation. Milestone Announcement and Program Overview As part of its ongoing commitment to combating global oral health challenges, Dr. Wonder Clinic has taken a proactive step by launching a comprehensive prevention program. This initiative includes: 'We are proud to announce this important milestone in our commitment to global oral health,' said Erhan Ceylan, CEO of Dr. Wonder Clinic. 'With nearly half of the world's population affected by oral diseases, it is essential that we take a proactive stance in promoting preventive care. This initiative will help reduce the economic burden and improve the quality of life for millions.' Addressing Global Oral Health Needs Dr. Wonder Clinic's initiative is driven by the recognition that oral diseases have a profound impact not only on individual health but also on economic productivity. According to recent data, the global cost of oral diseases exceeds $710 billion annually, including both treatment costs and productivity losses. By focusing on preventive care, Dr. Wonder Clinic aims to reduce the future burden of oral diseases and improve overall public health outcomes. The clinic's program is particularly timely, as it comes at a moment when the World Health Organization's Global Oral Health Action Plan (2023–2030) calls for a 10% reduction in oral diseases by 2030. Dr. Wonder Clinic's efforts align with these global health goals by offering accessible solutions and raising awareness of oral hygiene's role in overall health. Commitment to Education and Community Outreach Dr. Wonder Clinic's education and outreach efforts are a direct response to the growing prevalence of oral health issues globally. The clinic is expanding its services to rural areas of Turkey, where access to dental care is limited. This expansion includes mobile dental units that will provide preventive treatments and screenings in these underserved regions, ensuring that quality oral health care is accessible to all. 'Our goal is to ensure that everyone, regardless of their location or financial situation, has access to essential oral health services,' added Ceylan. 'This is about more than just treatment; it's about creating a culture of prevention and awareness that will last for generations.' Looking to the Future: A Sustainable Impact on Global Oral Health Looking ahead, Dr. Wonder Clinic plans to continue expanding its prevention programs both locally and globally. The clinic is committed to partnering with international organizations, governments, and health providers to implement long-term strategies for improving oral health worldwide. 'The success of this initiative depends on collaboration,' said Ceylan. 'We believe that by working together with global health organizations, we can make a meaningful impact on reducing oral diseases worldwide.' About Dr. Wonder Clinic Dr. Wonder Clinic is a leading dental practice based in Turkey, specializing in comprehensive dental care, including preventive treatments, aesthetic dentistry, and advanced restorative procedures. The clinic is committed to improving oral health by offering affordable, high-quality services and promoting dental hygiene education worldwide. For more information, visit: Contact Info: Name: Erhan Ceylan Email: Send Email Organization: Dr. Wonder Clinic Website: Release ID: 89163988 If you come across any problems, discrepancies, or concerns related to the content contained within this press release that necessitate action or if a press release requires takedown, we strongly encourage you to reach out without delay by contacting [email protected] (it is important to note that this email is the authorized channel for such matters, sending multiple emails to multiple addresses does not necessarily help expedite your request). Our committed team will be readily accessible round-the-clock to address your concerns within 8 hours and take appropriate actions to rectify identified issues or support with press release removals. Ensuring accurate and reliable information remains our unwavering commitment.
Yahoo
8 hours ago
- Business
- Yahoo
Awe-struck Kökcü unveiled at Besiktas: 'I'm the happiest man on earth'
A delighted Orkun Kökcü (24) completed his loan move to Besiktas from Benfica this weekend. Thousands of fans greeted the midfielder at the airport on Saturday, before many more attended his presentation at Besiktas Park on Sunday evening. In some truly celebratory scenes, boyhood Besiktas fan Kökcü was serenaded by the supporters and even hugged by a fan who rushed over. The former Feyenoord captain was evidently thrilled with his move to his favourite Turkish club. Advertisement 'I was already excited when I stepped off the plane yesterday, and even more so now that I'm here. I can't believe it. I want to thank everyone for coming. My thanks also go to my family and my management. I'm the happiest man on earth,' said the Turkey international, who couldn't hold back tears as a video was shown on the big screen. Besiktas pulled out all the stops to welcome their potential record signing. If the mandatory option to buy is exercised within the loan papers, he will join from Benfica for €25 million plus bonuses. Chairman Serdal Adali personally championed Kökcü's arrival, in an effort to bring new success to the Turkish club. 'Besiktas deserves to be represented by the best players in the world,' the president said at the presentation. 'We never imagined we'd be able to sign this player. But this isn't the first time he's worn this shirt. He's been wearing it since childhood. I'm convinced he'll do everything he can to repay the sacrifices I made for him. He'll be a symbol of our team, fighting for the team until the very end and never giving up.' GBeNeFN | Max Bradfield
Yahoo
10 hours ago
- Business
- Yahoo
Victor Osimhen and Galatasaray face race against time to do deal
Victor Osimhen and Galatasaray face race against time to do deal Manchester United have been looking to strengthen their attack this summer but the striker position has not gone to plan. Striker frustration The Red Devils missed out on the signing of Liam Delap as he chose to move to Chelsea earlier in the window. Advertisement United have also lost out in the race for Viktor Gyokeres as his switch to Arsenal is about to be completed. Ruben Amorim's side have also long been linked with Nigerian forward Victor Osimhen but he appears to have chosen a return to Galatasaray on a permanent deal. Complex negotiations Nonetheless, the Turkish club are struggling to conclude a deal for the forward with SSC Napoli demanding the full €75 million release clause to sell him. Problematically, there is a deadline set for tomorrow in his contract and if a deal is not completed it has been suggested that Osimhen's price will increase. Reason for delay Turkish outlet Fotomac report that 'while all plans for the new season at Galatasaray are hinged on the transfer of Victor Osimhen, Napoli's stubborn stance is causing concern.' Advertisement In spite of Osimhen's desire to return to Istanbul the report states that 'the ongoing €75 million transfer negotiations are stuck with the 'letter of guarantee and instalment' clause.' Complicating matters, 'the Italian team's president, Aurelio De Laurentiis, is demanding the €75 million in two instalments.' Galatasaray is trying to get around this by 'committing to using nearly €80 million from an anonymous sponsor in an Italian bank for a specific period.' Could Man United get involved? While all signs point to Osimhen finally getting his move to Galatasaray, it will be interesting if the Turks can't agree a fee with Napoli before tomorrow's deadline. Advertisement Nonetheless, with the fee rising after tomorrow, it would also be hard to imagine a scenario where United could afford to pay what Napoli would demand. Featured image Ahmad Mora via Getty Images Follow us on Bluesky: @
