Arsenal's Olivier Giroud shown in action during their Premier League win over Sunderland on Saturday. Adrian Dennis / AFP / December 5, 2015
Arsenal's Olivier Giroud shown in action during their Premier League win over Sunderland on Saturday. Adrian Dennis / AFP / December 5, 2015
Arsenal's Olivier Giroud shown in action during their Premier League win over Sunderland on Saturday. Adrian Dennis / AFP / December 5, 2015
Arsenal's Olivier Giroud shown in action during their Premier League win over Sunderland on Saturday. Adrian Dennis / AFP / December 5, 2015

Arsenal begin defence v Sunderland; leaders Leicester in tie with Tottenham in FA Cup draw


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FA Cup holders Arsenal will kick off their attempt to retain the trophy with a third round tie against Sunderland in January.

Arsene Wenger's side defeated Sunderland 3-1 in the Premier League on Saturday and just 48 hours later they were paired with Sunderland in Monday's draw for the third round.

Arsenal, who routed Aston Villa in last year’s final, will host the tie at the Emirates Stadium as they start on the road to Wembley in a bid to win the competition for a third successive year.

Elsewhere in the draw, new Liverpool manager Jurgen Klopp was handed a trip to fourth tier Exeter in his first taste of the competition following his recent arrival as replacement for the sacked Brendan Rodgers.

Manchester United, who haven't won the FA Cup since 2004, take on League One outfit Sheffield United at Old Trafford, while troubled Chelsea will host the winner of a second round replay between Leyton Orient and Scunthorpe.

There are several all-Premier League ties, with surprise leaders Leicester City travelling to Tottenham Hotspur.

Manchester City head to Norwich City, Southampton entertain Crystal Palace and Watford host Newcastle United.

Part-timers Whitehawk have been handed a possible trip to Everton if the sixth tier side get through their second round replay at home to League Two club Dagenham and Redbridge.

Three other non-league teams feature in the draw.

The lowest-ranked among them, Salford City of the seventh tier – co-owned by former Manchester United stars Ryan Giggs, Paul Scholes, Nicky Butt and brothers Gary and Phil Neville – will host Championship high-fliers Derby if they can get past League Two team Hartlepool in their second round replay.

Eastleigh, the only one of the non-league sides to have made it through outright, were handed a home tie against Championship strugglers Bolton, while Grimsby will travel to Cardiff if they can beat Shrewsbury.

Draw for the English FA Cup third round:

Watford v Newcastle United

West Bromwich Albion v Bristol City

West Ham United v Wolverhampton Wanderers

Salford City or Hartlepool United v Derby County

Exeter City v Liverpool

Tottenham Hotspur v Leicester City

Colchester United v Charlton Athletic

Peterborough United v Preston North End

Northampton Town v Milton Keynes Dons

Arsenal v Sunderland

Newport County v Blackburn Rovers

Ipswich Town v Portsmouth

Birmingham City v Bournemouth

Wycombe Wanderers v Aston Villa

Sheffield Wednesday v Fulham

Oxford United v Swansea City

Brentford v Chesterfield or Walsall

Bury v Bradford City

Manchester United v Sheffield United

Everton v Dagenham or Whitehawk

Southampton v Crystal Palace

Eastleigh v Bolton Wanderers

Nottingham Forest v Queens Park Rangers

Carlisle United v Yeovil Town

Chelsea v Leyton Orient or Scunthorpe United

Doncaster Rovers v Stoke City

Leeds United v Rotherham United

Cardiff City v Grimsby Town or Shrewsbury Town

Huddersfield Town v Reading

Middlesbrough v Burnley

Norwich City v Manchester City

Hull City v Brighton & Hove Albion

Ties to be played between January 8 and 11

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How to protect yourself when air quality drops

Install an air filter in your home.

Close your windows and turn on the AC.

Shower or bath after being outside.

Wear a face mask.

Stay indoors when conditions are particularly poor.

If driving, turn your engine off when stationary.

ETFs explained

Exhchange traded funds are bought and sold like shares, but operate as index-tracking funds, passively following their chosen indices, such as the S&P 500, FTSE 100 and the FTSE All World, plus a vast range of smaller exchanges and commodities, such as gold, silver, copper sugar, coffee and oil.

ETFs have zero upfront fees and annual charges as low as 0.07 per cent a year, which means you get to keep more of your returns, as actively managed funds can charge as much as 1.5 per cent a year.

There are thousands to choose from, with the five biggest providers BlackRock’s iShares range, Vanguard, State Street Global Advisors SPDR ETFs, Deutsche Bank AWM X-trackers and Invesco PowerShares.

Washmen Profile

Date Started: May 2015

Founders: Rami Shaar and Jad Halaoui

Based: Dubai, UAE

Sector: Laundry

Employees: 170

Funding: about $8m

Funders: Addventure, B&Y Partners, Clara Ventures, Cedar Mundi Partners, Henkel Ventures

Why seagrass matters
  • Carbon sink: Seagrass sequesters carbon up to 35X faster than tropical rainforests
  • Marine nursery: Crucial habitat for juvenile fish, crustations, and invertebrates
  • Biodiversity: Support species like sea turtles, dugongs, and seabirds
  • Coastal protection: Reduce erosion and improve water quality
Brief scoreline:

Manchester United 2

Rashford 28', Martial 72'

Watford 1

Doucoure 90'

UAE Premiership

Results

Dubai Exiles 24-28 Jebel Ali Dragons
Abu Dhabi Harlequins 43-27 Dubai Hurricanes

Final
Abu Dhabi Harlequins v Jebel Ali Dragons, Friday, March 29, 5pm at The Sevens, Dubai

Like a Fading Shadow

Antonio Muñoz Molina

Translated from the Spanish by Camilo A. Ramirez

Tuskar Rock Press (pp. 310)

BMW M5 specs

Engine: 4.4-litre twin-turbo V-8 petrol enging with additional electric motor

Power: 727hp

Torque: 1,000Nm

Transmission: 8-speed auto

Fuel consumption: 10.6L/100km

On sale: Now

Price: From Dh650,000

UK’s AI plan
  • AI ambassadors such as MIT economist Simon Johnson, Monzo cofounder Tom Blomfield and Google DeepMind’s Raia Hadsell
  • £10bn AI growth zone in South Wales to create 5,000 jobs
  • £100m of government support for startups building AI hardware products
  • £250m to train new AI models
Tips for newlyweds to better manage finances

All couples are unique and have to create a financial blueprint that is most suitable for their relationship, says Vijay Valecha, chief investment officer at Century Financial. He offers his top five tips for couples to better manage their finances.

Discuss your assets and debts: When married, it’s important to understand each other’s personal financial situation. It’s necessary to know upfront what each party brings to the table, as debts and assets affect spending habits and joint loan qualifications. Discussing all aspects of their finances as a couple prevents anyone from being blindsided later.

Decide on the financial/saving goals: Spouses should independently list their top goals and share their lists with one another to shape a joint plan. Writing down clear goals will help them determine how much to save each month, how much to put aside for short-term goals, and how they will reach their long-term financial goals.

Set a budget: A budget can keep the couple be mindful of their income and expenses. With a monthly budget, couples will know exactly how much they can spend in a category each month, how much they have to work with and what spending areas need to be evaluated.

Decide who manages what: When it comes to handling finances, it’s a good idea to decide who manages what. For example, one person might take on the day-to-day bills, while the other tackles long-term investments and retirement plans.

Money date nights: Talking about money should be a healthy, ongoing conversation and couples should not wait for something to go wrong. They should set time aside every month to talk about future financial decisions and see the progress they’ve made together towards accomplishing their goals.

Mobile phone packages comparison
The specs: 2019 GMC Yukon Denali

Price, base: Dh306,500
Engine: 6.2-litre V8
Transmission: 10-speed automatic
Power: 420hp @ 5,600rpm
Torque: 621Nm @ 4,100rpm​​​​​​​
​​​​​​​Fuel economy, combined: 12.9L / 100km

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WHAT%20START-UPS%20IS%20VISA%20SEEKING%3F
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While you're here
Brief scores:

QPR 0

Watford 1

Capoue 45' 1

SPECS
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Who's who in Yemen conflict

Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government

Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council

Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south

Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory