Forget Bitcoin, gold and buy-to-let. I’d invest £20k in an ISA to gain financial freedom

first_img Harvey Jones | Friday, 24th January, 2020 Forget Bitcoin, gold and buy-to-let. I’d invest £20k in an ISA to gain financial freedom Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Our 6 ‘Best Buys Now’ Shares This combination of tax-free capital growth and passive income is the best way to achieve financial freedom, in my view.  “This Stock Could Be Like Buying Amazon in 1997” John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Harvey Jones has no position in any of the shares mentioned. The Motley Fool UK owns shares of and has recommended Amazon, Apple, and Unilever. The Motley Fool UK has recommended Diageo. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Enter Your Email Address Simply click below to discover how you can take advantage of this. If you’ve £20,000 to invest this year, you won’t be short of choice. Bitcoin, gold and buy-to-let will tempt those who are looking to build wealth for the future. However, while all three have done well at certain periods during the last decade, this isn’t where I’d invest my £20k for 2020 and beyond.BitcoinThe days when crypto-currencies such as Bitcoin offered a fast-track to riches are now largely over. They will surge from time to time, as Bitcoin has done over the last month or so, but remain too volatile to be relied upon. Warren Buffett has called cryptos an “unproductive asset” and as far as I can see, that hasn’t changed.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…All sorts of things could derail Bitcoin, such as anger over its energy consumption, a regulatory crackdown, or concern that it’s too easy to lose your stake, either through fraud or by being locked out of your account. They are too risky and volatile for me.GoldInvestors rush into gold after every geopolitical threat, such as the US-China trade war or stand-off with Iran, but it still doesn’t tempt me. The precious metal doesn’t pay any income, unlike dividend-paying stocks and shares, so you’re dependent on the price continuing to rise, and it could just as easily fall. History shows the gold price is also highly volatile, plunging when confidence returns.Buy-to-letSome may still find buy-to-let property tempting, especially with interest rates low. However, the years of rapid house price growth seem to be over, and the Government crackdown is beginning to bite, as the stamp duty surcharge and phasing out of mortgage interest tax relief will eat into your profits. Plus there’s a growing amount of red tape. Buy-to-let is now too much effort for me.This is how I’d invest £20k in 2020For me, the stock market is still the best place to put your money. Last year, global shares rose by around 25%. While they may not repeat the trick this year, over the longer run, markets have given impressive average growth of between 7-10% a year.If you want to buy individual stocks, I’d invest like this…First, I’d build a portfolio of top FTSE 100 dividend and growth stocks, such as Aviva, Diageo and Unilever, to create a stream of passive income that rises every year. You could supplement this with an exchange traded fund (ETF) tracking the entire index.Next, I’d spread my wings to buy top US stocks, for example, Apple or Amazon (both of which Buffett owns), supplemented by top FTSE 250 stocks, such as Dunelm Group or Greggs.Naturally, I’d invest inside a Stocks and Shares ISA, which allows you to invest up to £20,000 this financial year and take all your returns free of tax, for life. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. See all posts by Harvey Jones Image source: Getty Images last_img read more

Former footballer Weah wins landmark Liberia Presidential vote

first_imgThe National Election Commission (NEC) said Weah had won an insurmountable 61.5 percent of Tuesday’s vote, which was delayed several weeks after a legal challenge from Boakai.The NEC said that with 98.1 percent of all votes counted, Boakai had only secured 38.5 percent support.Ahead of Thursday’s results, armed and helmeted police deployed outside the poll body’s headquarters and some of Weah’s supporters were already rejoicing.“The Liberian people clearly made their choice… and all together we are very confident in the result of the electoral process,” tweeted Weah before the official results were announced.Weah topped the first round of voting in October with 38.4 percent of ballots but failed to win the 50 percent necessary to avoid a run-off. Boakai came second with 28.8 percent.– ‘President Weah?’ –Chelsea icon Didier Drogba from neighbouring Ivory Coast already sent Weah a congratulatory message.Weah is the only African ever to have won FIFA’s World Player of the Year and the coveted Ballon D’Or. The 51-year-old starred at top-flight European football clubs Paris Saint-Germain and AC Milan in the 1990s before playing briefly in England for Chelsea and Manchester City later in his career.Chelsea icon Didier Drogba from neighbouring Ivory Coast already sent Weah a congratulatory message.“Is it President Weah?” said the New Dawn newspaper on Thursday, referring to a man who has the backing of heavyweights including former warlord Prince Johnson and apparently the covert support of outgoing president Sirleaf.Her office said it had set up a team “for the proper management and orderly transfer of executive power from one democratically elected president to another”, adding that it included several ministers.Sirleaf’s predecessor Charles Taylor fled the country in 2003, hoping to avoid prosecution for funding rebel groups in neighbouring Sierra Leone. Two presidents who served prior to Taylor were assassinated.The tumultuous events of the past seven decades in Liberia, where an estimated 250,000 people died during back-to-back civil wars between 1989-2003, have prevented a democratic handover from taking place since 1944.UN Secretary-General Antonio Guterres hailed the “peaceful conduct” of the vote, praising “the government, political parties and the people of Liberia for the orderly poll”.The EU’s chief observer, Maria Arena, congratulated the candidates and the Liberian people on a peaceful vote that “generally respected constitutional rules”.The Economic Community of West African States (ECOWAS) regional bloc also hailed the peaceful nature of the vote.– ‘Exciting moment’ –Former international Liberian football star turned politician, and presidential election candidate George Weah shows his voting cardThe election passed without a single major incident of violence despite weeks of delays caused by legal challenges and Liberians said they were looking forward to a peaceful handover after 12 years under Sirleaf.“Since years of civil war this is the first time we see the transition of power from one person to another,” voter Oscar Sorbah told AFP.The Sirleaf administration, elected in 2005, guided the nation out of the ruins of war and through the horrors of the 2014-16 Ebola crisis, but is accused of failing to combat poverty and corruption.Weah’s CDC party watched their icon miss out on the presidency in a 2005 bid. He was similarly frustrated when he ran for vice-president in 2011, but has repeatedly urged its young and exuberant supporters to keep cool.“No matter what the provocation will be, CDC will not respond with violence,” Jefferson Kotchie, head of the youth wing of the CDC, earlier told supporters assembled at the party’s headquarters.The run-off was delayed for seven weeks due to legal challenges lodged by Boakai’s Unity Party against the electoral commission over the conduct of the first round, but many of the complaints appeared to have been addressed in the second round.0Shares0000(Visited 1 times, 1 visits today) 0Shares0000Weah is set to replace incumbent Ellen Johnson Sirleaf, who took over at the helm of Africa’s oldest republic in 2006.MONROVIA, Liberia, Dec 28 – Ex-football superstar George Weah was announced the winner on Thursday of Liberia’s presidential run-off, beating Vice President Joseph Boakai in the first democratic transfer of power in decades following two devastating civil wars.Weah is set to replace incumbent Ellen Johnson Sirleaf, who took over at the helm of Africa’s oldest republic in 2006.last_img read more

Managing Cows with Lost Calves

first_imgShare Facebook Twitter Google + LinkedIn Pinterest By Russ QuinnDTN Staff ReporterOMAHA (DTN) — Anyone who has ever owned a cow-calf herd has faced the tough decision on what to do with cows that have lost calves.Do you keep the cows and rebreed them? Or do you sell the cows, either immediately or put some weight on the cows and sell as a cull cow later?Because of the extreme weather in some locations this spring, many cow-calf producers are now in this particular situation. For some, age is the biggest factor, while for others, feed prices and/or cattle prices might factor in the decision.Depending on their philosophy, different producers consider other options on what to do with cows that lost calves.SEVERAL OPTIONSUniversity of Nebraska-Lincoln (UNL) Extension Beef Educator Aaron Berger, located in Kimball, Nebraska, recently co-wrote an article titled “What to do with Cows that have Lost Calves” — you can find the article at:….Berger said there are three main options with cows that have lost calves.The first option would be to keep and expose cows to rebreeding for spring/fall calving. The second option would be to put weight on and sell as cull cows later. The third main option would be to sell cows immediately and replace with a cow-calf pair or wait to replace in the fall with a bred heifer/cow.A potential fourth option would be if you have a calf that is “extra” by way of twins, put one of these calves on a cow that lost a calf, which is often called grafting. Cheyenne Smith, who operates a ranch near Carmen, Idaho, said they will graft every twin they have.The advantages of grafting is it is less stress on the cow with twins, as now the cow will only have to support one calf. In addition, the cow without a calf is now productive again with a calf.“We often give a cow a second chance, especially if the loss of the calf really isn’t her fault,” Smith said. “This could be like a bad breeding choice, resulting in a really big or small birth weight, or extreme weather.”Smith likes to run cows through the chute and not let the cow see or smell the calf for at least three days. She runs this twice a day to let the calf nurse, she said. The grafts have about a 90% success rate, and this is mostly due to high maternal qualities in their herd, Smith said.Berger said grafting a calf onto cows that have lost calves is a good option, if the producer has the time and labor.With the uncooperative Nebraska weather this spring, calving losses were fairly high, and in many cases, the state’s cattle producers didn’t have any extra calves from their own herds to graft onto cows that lost calves.In cases where a producer can find calves from other operations to be grafted, the option should be considered, he said.There is some additional biosecurity risks with utilizing this option compared to using a calf from within one’s own herd, Berger said. Bringing calves from outside the operation can lead to a new disease being introduced.“In some situations, people will keep some older cows that they know that this will be their last calf and then take that calf from the old cow and graft it onto a younger cow that loses a calf,” Berger said. “So grafting a calf can be a good option.”CONSIDER CULL PRICECow-calf producers examine several different factors affecting their decisions when it comes to cows that lost calves.Larry Olberding, Jr., a Connell, Washington state rancher, said his general rule is if she doesn’t have a live calf to raise, the cow is going to go to town to be sold. There are some considerations he mulls over, including the cow’s flesh condition as well as the current pricing for culled cows, he said.There are usually three times that cull cattle prices will spike higher during the course of the year, he said. In his southeastern Washington state area, he sees higher cull prices two weeks before Memorial Day, the July 4 holiday and Labor Day holiday weekend.“The primary reason I sell them, if conditions are right, is I just can’t see that cow recovering the money lost over a whole year with zero production,” Olberding told DTN. “I really want my grass being used to appreciate in value.”There are opportunities to sell these cows and purchase cow-calf pairs, he said.Take this spring, for example. At the local cattle auction the week before Memorial Day, Olberding sold five cows that lost calves averaging 1,282 lbs. and averaged $67/cwt. He got $859/cow, took his money and bought three cow-calf pairs for $1,425/cow.Olberding was willing to trade five cows for these three cow-calf pairs because he considered he will have three more calves to sell this fall. If he had kept the five cows without calves, he would have zero income, he explained.AGE, FEED COSTS MATTERFor cow-calf producers in the Midwest, extreme winter weather caused higher-than-usual death loss. Producers in this region had to make some hard decisions on keeping cows or not.Karl Jacobson, who farms and has a cow-calf herd near Concordia, Kansas, said he did have some calving losses this spring. Age is a big factor for him, and he sold the older cows.“I also had several open cows in my fall calving herd as a colder-than-normal winter was some of the problem,” Jacobson said. “I also sold those open ones.”A lack of enough feed was the main reason he sold these open cows, Jacobson said. It took a lot of feed to make it through the frigid winter and he — like many Midwest producers — did not get to utilize corn stalks last fall with the wet weather delaying the fall harvest into winter.Bob Birdell, who farms and has a cow-calf herd near Stanberry, Missouri, said he attempts to consider age, feed availability and cull prices when deciding what to do with his cows who lost their calves.Other factors affecting the decision include the temperament of the cow, as well as the reason for losing the calf in the first place, such as a hard birth, which might affect future breeding. All of these dynamics goes into the thought process, he said.“We had to buy hay for the first time ever, so we had to be a little less forgiving when it comes to cash flow,” Birdell said.Russ Quinn can be reached at [email protected] him on Twitter @RussQuinnDTN(ES/BAS)© Copyright 2019 DTN/The Progressive Farmer. All rights reserved.last_img read more

TJ Dillashaw gives up UFC 135-pound title because of drug test

first_img“While words can’t even begin to express how disappointed I am at this time, please know that I’m working with my team to understand what has occurred and how to resolve this situation as quickly as possible,” Dillashaw said. “Out of fairness and respect to the rest of the division, I’ve informed the UFC that I’ll be voluntarily relinquishing my title while I deal with this matter.”A spokesman with the New York commission said Wednesday that Dillashaw was fined $10,000 and suspended for one year for drug use, but declined to give further details.FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSPalace wants Cayetano’s PHISGOC Foundation probed over corruption chargesSPORTSSingapore latest to raise issue on SEA Games food, logisticsThe 33-year-old Dillashaw (16-4) had cut 10 pounds of weight to fight Cejudo. Dillashaw used a program devised by a triathlete math professor and performance specialist to cut some serious weight in his attempt to hold championships in two weight classes.He’s a two-time bantamweight champion and won the title for a second time when he defeated Cody Garbrandt at UFC 217 in November 2017. Damian Lillard unleashes 33 as Blazers beat struggling Mavericks Bloomberg: US would benefit from more, not fewer, immigrants LATEST STORIES Miguel Romero Polo: Bamboo technology like no other FILE – In this Jan. 20, 2019 file photo, TJ Dillashaw reacts after a flyweight mixed martial arts championship bout against Henry Cejudo at UFC Fight Night in New York. Dillashaw has surrendered the UFC 135-pound championship because of an “adverse finding” in his last drug test. Dillashaw posted on social media that he would give up the belt after he was informed by the New York State Athletic Commission and the United States Anti-Doping Agency of the results of his test leading up to his last fight in January. Dillashaw suffered first-round loss to Henry Cejudo and failed to become a two-division champion. (AP Photo/Frank Franklin II, File)LAS VEGAS— TJ Dillashaw has surrendered the UFC 135-pound championship because of an “adverse finding” in his last drug test.Dillashaw posted on social media that he would give up the belt after he was informed by the New York State Athletic Commission and the United States Anti-Doping Agency of the results of his test leading up to his last fight in January. Dillashaw suffered first-round loss to Henry Cejudo and failed to become a two-division champion.ADVERTISEMENT Wintry storm delivers US travel woes before Thanksgiving Sports Related Videospowered by AdSparcRead Next SEA Games hosting troubles anger Duterte Colombia protesters vow new strike after talks hit snag Don’t miss out on the latest news and information. Google Philippines names new country director Private companies step in to help SEA Games hosting Trump tells impeachment jokes at annual turkey pardon event View comments MOST READ PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krausslast_img read more

22 days ago​Arsenal buoyed as release clause halves for RB Leipzig defender Upamecano

first_img​Arsenal buoyed as release clause halves for RB Leipzig defender Upamecanoby Ansser Sadiq22 days agoSend to a friendShare the loveArsenal are hoping to go back in for RB Leipzig defender Dayot Upamecano.The centre-back is their main defensive target for the next two transfer windows.German reports suggest that his club want a fee close to what Manchester United paid for Harry Maguire.But according toL’Equipe, he will have a buyout clause in his contract of £53 million that becomes active next summer.It would allow the Gunners to get him for a similar fee they are believed to have offered Leipzig in the past summer window.Upamecano has been recovering from a knee injury this season, which has limited his game time. TagsTransfersAbout the authorAnsser SadiqShare the loveHave your saylast_img read more

SWS Hands Over First Valemax Newbuilding to COSCOCS

first_imgChinese shipping giant China COSCO Shipping Corporation (COSCOCS) has taken delivery of its first 400,000 dwt very large ore carrier from Shanghai Waigaoqiao Shipbuilding (SWS).Handed over on January 11, the Singapore-flagged vessel is the first from the batch of ten VLOC ordered from the China State Shipbuilding Corporation’s (CSSC) shipyard in April 2016.The VLOC Yuan He Hai would transport ore cargoes for Brazilian miner Vale.Under a 27-year agreement signed between COSCOCS and Vale in March 2016, the company would transport 16 million tons of iron ore for Vale on an annual basis.The remaining newbuilds, all featuring a length of 362 meters and a width of 65 meters, are slated for delivery in 2018 and 2019.The shipping firm informed that the ships are green, environmentally-friendly, and energy-saving, with fuel consumption reduced by nearly 30%.World Maritime News Staff; Image Courtesy: China COSCO Shipping Corporationlast_img read more

DP World Handles 71 Mn TEU in 2018

first_imgzoomImage Courtesy: DP World Dubai-based container port operator DP World handled 71.4 million TEUs across its global portfolio of container terminals in the full year of 2018, with gross container volumes growing by 1.9% year-on-year on a reported basis and 2.9% on a like-for-like basis.The company’s Asia Pacific & Indian Subcontinent terminals saw a container throughput of 32.9 million TEUs last year, a rise of 3.2% YOY on a like-for-like basis.In addition, terminals in Europe, the Middle East and Africa handled 29.5 million TEUs, and terminals in America and Australia recorded 9 million TEU, up by 3.1% and 0.9%, respectively.The UAE handled 15 million TEU in 2018, down 2.7% year-on-year.At a consolidated level, DP World’s terminals handled 36.8 million TEU in 2018, a 0.8% improvement in performance on a reported basis and up 1.4% year-on-year on a like-for-like basis.“We are pleased to see that our global portfolio has delivered growth on top of our strong prior year performance and despite the uncertainty with global trade,” Sultan Ahmed Bin Sulayem, Group Chairman and Chief Executive Officer, commented.“Our Europe and Americas portfolio saw strong growth with continued ramp-up in London Gateway (UK), Yarimca (Turkey) and Prince Rupert (Canada), while performance in Africa remains robust driven by Dakar (Senegal) and Sokhna (Egypt). In the UAE, the softer volumes were due to the loss of low-margin throughput, where we remain focused on high margin cargo and maintaining profitability.”“In 2018, we have made good progress in strengthening our product offering which will enable us to participate in a wider part of the supply chain and offer smarter long-term solutions to cargo owners. Looking ahead to 2019, we expect our portfolio to continue to deliver growth and our focus remains on delivering operational excellence, managing costs and disciplined investment to remain the trade partner of choice. Given the steady volume performance of our portfolio, we are well placed to meet full year 2018 market expectations,” he concluded.Related:DP World Buys Additional Stake in DP World AustraliaDP World Inks Acquisition Deal for Chilean Port Operatorlast_img read more

Eli Manning Is Profoundly Mediocre

Even after Eli Manning’s 200 consecutive regular-season NFL starts, quantifying his career is difficult.Manning is in his 14th season, and nearly every one has felt like a crossroads. Which quarterback would show up for the Giants: the one capable of winning two Super Bowl MVPs — or the one capable of leading the NFL in interceptions for three seasons?The answer was probably somewhere in between. Manning has been reliably, and historically, mediocre.Only 10 quarterbacks in NFL history have started at least 200 games, according to, and the list is a who’s who of all-time legends: Peyton Manning, Tom Brady, Drew Brees, Fran Tarkenton, Dan Marino, Brett Favre, Warren Moon and John Elway. And Eli Manning. And, OK, Vinny Testaverde — but still.Save Eli Manning and Testaverde, all have been enshrined in the Pro Football Hall of Fame or are virtually certain to be.What to expect from the Lions vs. Giants But this is why advanced statistics exist: to help isolate a player’s performance from that of his teammates’ (hello, defensive lines and David Tyree) and to compare his performances against those of his peers. That analysts at major outlets were still citing rings and wins to claim that Eli is better than Peyton as late as 2013 is proof that we still need to look deeper.A handful of high-leverage highlights can’t outweigh hundreds of games’ worth of mediocre play, not when we’re trying to pick the best of the best. But then, Eli Manning has never been one of the best.No, the most prolifically mediocre quarterback in NFL history is in a class all by himself.Check out our latest NFL predictions. All newsletters Among that group, Eli Manning ranks either last, or ahead of only Testaverde,1In Testaverde’s defense, he spent nearly a decade toiling away on some bad Buccaneers and Browns teams. in nearly every season-indexed rate stat: completion rate, yards per attempt, interception rate, passer rating, adjusted yards per attempt, net yards per attempt and adjusted net yards per attempt.But Manning is not just terrible at being great — he regularly tests the lower boundaries of even being good. He has finished among the top 10 in ESPN’s Total Quarterback Rating just four times out of the 11 seasons for which QBR has been calculated; his average rank is a middling 16th. He has finished among the top 10 in passer rating just once in 12 starting campaigns, finishing an average of 18th. From 2004, when Manning entered the league, through Week 1 of 2017, he was in the bottom half of both season-indexed passer rating and season-indexed adjusted net yards per attempt2PFR’s Advanced Passing table contextualizes passing rate stats by indexing them to the league average over three seasons with the given season in the middle. 100 is average, higher is better. See the PFR Glossary for details. (among quarterbacks with at least 50 starts): We’re launching a sports newsletter. 🏆  Join the squad. Subscribe The truth is, the NFL’s eighth all-time leading passer has produced like a below-average starter across his entire career. That average contains some really low points, like his miserable 27-interception 2013 season, when he finished 35th in passer rating in a league with just 32 teams.But that is as close as Manning has come to truly poor play. That reliability — that no matter how much he teases us with flashes of greatness, he at least definitely won’t be bad — has prompted the Giants to lean on him for more than a decade. What’s more, he’s rewarded that trust: Tonight, Manning will make his 212th consecutive start, the longest active Ironman streak in the NFL — and third-longest in the history of the league.Above all, that may be Manning’s greatest skill: just being there. Since he took the starting quarterback job away from Kurt Warner in November 2004, the Giants have not had to worry about the position, allowing the team to devote resources and draft picks to other areas. By comparison, the Giants’ roommates, the Jets, have started 15 quarterbacks in this span. The Cleveland Browns have started 23.But considering that Eli will turn 37 in January, how much longer can the Giants expect this to last? Quarterbacks seldom hang on to starting jobs beyond age 35. Then again, elite quarterbacks have blown past this expiration date — especially in recent years. Brady and Brees combine for 78 years of life, and together, they threw for more than 800 passing yards when they faced off on Sunday. Favre, Moon and Eli’s brother Peyton all played some of their most efficient football very near the end of their starting career. So maybe Eli Manning will soon reach a never-before-seen level of performance?But even his best passing performance, in 2011, still couldn’t match up with the best of his peers’. He threw for 501 more yards than he ever had before or ever has since, but 543 fewer than Brees that season. Manning gained an impressive average of 8.4 yards per attempt, but Aaron Rodgers gained an average of 9.2. Manning’s passer rating in 2011, 92.9, was worlds away from the NFL-record 122.5 that Rodgers posted that season.Even if Manning finds another level sometime soon, he’ll still be several levels shy of Brady, Brees and Rodgers’ best.In some ways, Manning is a throwback: A high-risk, high-reward passer who is rarely efficient but sometimes makes big plays in big moments. A Joe Namath in an era when offensive innovations have made the average NFL quarterback better than Roger Staubach.3Hall of Famer Roger Staubach’s career average completion rate (57 percent), TD/INT ratio (1.4:1) and passer rating (83.4) were all below 2016 NFL team passing averages (63.0 percent, 1.9:1, 87.6). read more