Austrian players Martin Harnik, centre, and David Alaba, left, celebrate with fans after qualifying for Euro 2016 on Tuesday with a win over Sweden. Robert Jaeger / EPA / September 8, 2015
Austrian players Martin Harnik, centre, and David Alaba, left, celebrate with fans after qualifying for Euro 2016 on Tuesday with a win over Sweden. Robert Jaeger / EPA / September 8, 2015
Austrian players Martin Harnik, centre, and David Alaba, left, celebrate with fans after qualifying for Euro 2016 on Tuesday with a win over Sweden. Robert Jaeger / EPA / September 8, 2015
Austrian players Martin Harnik, centre, and David Alaba, left, celebrate with fans after qualifying for Euro 2016 on Tuesday with a win over Sweden. Robert Jaeger / EPA / September 8, 2015

Austria’s sudden rise capped with qualification to Euro 2016


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Austria will appear at only their second European Championships finals after their 4-1 thrashing of Sweden secured their place at next year's finals in France on Tuesday in Solna.

Swiss coach and former international midfielder Marcel Koller guided the Austrians to a place in France after their maiden appearance at the final stages in 2008 when they automatically qualified as co-hosts with Switzerland.

Bayern Munich’s David Alaba, the youngest player to ever play for Austria at 17 in 2009, scored from the penalty spot after just nine minutes before West German-born Martin Harnik plundered his 12th international goal, seven minutes before half-time with a header, to give the visitors a cushion.

Veteran FC Basel striker Marc Janko, 34, then put the icing on the cake and started the early celebrations with Austria’s third on 79 minutes before Harnik grabbed his second of the night with two minutes remaining to add insult to injury for the Swedes.

Austrian goalkeeper Robert Almer turned in a brilliant performance to keep Sweden at bay who were able to field star Paris Saint-Germain striker Zlatan Ibrahimovic who scored a late consolation goal in vain for the well-beaten hosts.

Since taking over in November 2011, Koller has lost just eight matches in 32 games for the fast improving Austrians.

Despite their lack of success in European Championships, Austria have appeared at seven World Cups, the most recent being in 1998, while their best showing was finishing third in 1954.

Sweden lost for the second straight match, after crashing 1-0 against Russia on Saturday, while their hosts that day in Moscow dispatched Liechtenstein 7-0 on Tuesday to move into the second qualifying spot, two points in front of the Scandinavians, in Group G.

In the pool’s third match Montenegro won 2-0 on the road at Moldova as they climb within a point of Sweden and a potential place in the play-offs with two matches to play.

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Teams in the EHL

White Bears, Al Ain Theebs, Dubai Mighty Camels, Abu Dhabi Storms, Abu Dhabi Scorpions and Vipers

How to wear a kandura

Dos

  • Wear the right fabric for the right season and occasion 
  • Always ask for the dress code if you don’t know
  • Wear a white kandura, white ghutra / shemagh (headwear) and black shoes for work 
  • Wear 100 per cent cotton under the kandura as most fabrics are polyester

Don’ts 

  • Wear hamdania for work, always wear a ghutra and agal 
  • Buy a kandura only based on how it feels; ask questions about the fabric and understand what you are buying
The%20specs%3A%202024%20Mercedes%20E200
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David Haye record

Total fights: 32
Wins: 28
Wins by KO: 26
Losses: 4

Keep it fun and engaging

Stuart Ritchie, director of wealth advice at AES International, says children cannot learn something overnight, so it helps to have a fun routine that keeps them engaged and interested.

“I explain to my daughter that the money I draw from an ATM or the money on my bank card doesn’t just magically appear – it’s money I have earned from my job. I show her how this works by giving her little chores around the house so she can earn pocket money,” says Mr Ritchie.

His daughter is allowed to spend half of her pocket money, while the other half goes into a bank account. When this money hits a certain milestone, Mr Ritchie rewards his daughter with a small lump sum.

He also recommends books that teach the importance of money management for children, such as The Squirrel Manifesto by Ric Edelman and Jean Edelman.

Lexus LX700h specs

Engine: 3.4-litre twin-turbo V6 plus supplementary electric motor

Power: 464hp at 5,200rpm

Torque: 790Nm from 2,000-3,600rpm

Transmission: 10-speed auto

Fuel consumption: 11.7L/100km

On sale: Now

Price: From Dh590,000

The biog

Name: James Mullan

Nationality: Irish

Family: Wife, Pom; and daughters Kate, 18, and Ciara, 13, who attend Jumeirah English Speaking School (JESS)

Favourite book or author: “That’s a really difficult question. I’m a big fan of Donna Tartt, The Secret History. I’d recommend that, go and have a read of that.”

Dream: “It would be to continue to have fun and to work with really interesting people, which I have been very fortunate to do for a lot of my life. I just enjoy working with very smart, fun people.”

Credit Score explained

What is a credit score?

In the UAE your credit score is a number generated by the Al Etihad Credit Bureau (AECB), which represents your credit worthiness – in other words, your risk of defaulting on any debt repayments. In this country, the number is between 300 and 900. A low score indicates a higher risk of default, while a high score indicates you are a lower risk.

Why is it important?

Financial institutions will use it to decide whether or not you are a credit risk. Those with better scores may also receive preferential interest rates or terms on products such as loans, credit cards and mortgages.

How is it calculated?

The AECB collects information on your payment behaviour from banks as well as utilitiy and telecoms providers.

How can I improve my score?

By paying your bills on time and not missing any repayments, particularly your loan, credit card and mortgage payments. It is also wise to limit the number of credit card and loan applications you make and to reduce your outstanding balances.

How do I know if my score is low or high?

By checking it. Visit one of AECB’s Customer Happiness Centres with an original and valid Emirates ID, passport copy and valid email address. Liv. customers can also access the score directly from the banking app.

How much does it cost?

A credit report costs Dh100 while a report with the score included costs Dh150. Those only wanting the credit score pay Dh60. VAT is payable on top.

Top investing tips for UAE residents in 2021

Build an emergency fund: Make sure you have enough cash to cover six months of expenses as a buffer against unexpected problems before you begin investing, advises Steve Cronin, the founder of DeadSimpleSaving.com.

Think long-term: When you invest, you need to have a long-term mindset, so don’t worry about momentary ups and downs in the stock market.

Invest worldwide: Diversify your investments globally, ideally by way of a global stock index fund.

Is your money tied up: Avoid anything where you cannot get your money back in full within a month at any time without any penalty.

Skip past the promises: “If an investment product is offering more than 10 per cent return per year, it is either extremely risky or a scam,” Mr Cronin says.

Choose plans with low fees: Make sure that any funds you buy do not charge more than 1 per cent in fees, Mr Cronin says. “If you invest by yourself, you can easily stay below this figure.” Managed funds and commissionable investments often come with higher fees.

Be sceptical about recommendations: If someone suggests an investment to you, ask if they stand to gain, advises Mr Cronin. “If they are receiving commission, they are unlikely to recommend an investment that’s best for you.”

Get financially independent: Mr Cronin advises UAE residents to pursue financial independence. Start with a Google search and improve your knowledge via expat investing websites or Facebook groups such as SimplyFI. 

Keane on …

Liverpool’s Uefa Champions League bid: “They’re great. With the attacking force they have, for me, they’re certainly one of the favourites. You look at the teams left in it - they’re capable of scoring against anybody at any given time. Defensively they’ve been good, so I don’t see any reason why they couldn’t go on and win it.”

Mohamed Salah’s debut campaign at Anfield: “Unbelievable. He’s been phenomenal. You can name the front three, but for him on a personal level, he’s been unreal. He’s been great to watch and hopefully he can continue now until the end of the season - which I’m sure he will, because he’s been in fine form. He’s been incredible this season.”

Zlatan Ibrahimovic’s instant impact at former club LA Galaxy: “Brilliant. It’s been a great start for him and for the club. They were crying out for another big name there. They were lacking that, for the prestige of LA Galaxy. And now they have one of the finest stars. I hope they can go win something this year.”