The Bundesliga is upside down. Well, at least part of it is.
At the top of the table everybody knows the modern routine – the Bayern Munich juggernaut can survive changes of manager and inevitably rules the roost.
And that Borussia Dortmund should make the most sustained pursuit.
But these days you tend to locate the other so-called heavyweights at the foot of the league, where you could open a hostel for sleeping giants.
Two of the three trapdoor positions – those that lead either to automatic relegation or to the tense play-off against a team from the second-tier that is the plight of the team finishing 16th in the 18-club top flight – are occupied by institutions who can festoon their hallways with trophies accumulated in glorious histories.
Rock-bottom Hamburg were in a European Cup final recently enough that supporters in their 40s can recall it.
Schalke, two off the foot, were in an Uefa Champions League semi-final only five years back.
Werder Bremen, who with Schalke have more major titles on their honours board than any club other than Bayern and Dortmund, could fall into the bottom three following Saturday’s action.
Bremen are now becoming known as just another “dinosaur”, a term regularly used of Hamburg in recent times, and a species whose population seems to be increasing.
If the hierarchy of the table were dictated by supporter-numbers, Hamburg and Schalke would be in the top four and looking forward to Champions League football every year.
As it is, the more than 100,000 who consistently attend home games at those two clubs – both average more than 50,000 – the past two months have been dismal.
Slumps are becoming routine for Hamburg, where relegation has been narrowly avoided three of the past five years, twice it has only by the play-off route.
It is groundhog day at Hamburg.
They have another new coach, having terminated Bruno Labbadia’s second stab at the job at the end of last month, with one point gained from their first six matches of the new campaign.
Labbadia’s replacement, Markus Gisdol, has found an air of despondency about the place but declared ahead of Saturday’s trip to Borussia Monchengladbach: “If I caught the mood at the moment it would bring us down. We have to say: ‘Let’s stop this’!”
Hamburg’s loyalists have heard similar noises before.
Seven coaches have come and gone in the six years between Labbadia’s first stint ending and his latest dismissal.
Schalke are only two points better off than Hamburg.
Bremen, who have four points, also have changed their manager already this term.
All of these struggling, so-called heavyweights look up the table and see the likes of Red Bull Leipzig and Bayer Leverkusen in the positions that lead to European football.
Hoffenheim, the club from a place with a population of less than 4,000, sit just behind that pair in seventh spot.
That trio are caustically referred to as “plastic clubs” by their rivals, clubs whose majority stakes are in the hands of wealthy individuals or corporations – Red Bull in the case of newly-promoted Leipzig; the pharmaceutical giant, Bayer, for Leverkusen – and have much smaller support-bases than the so-called “dinosaurs”.
Most German clubs are obliged to keep the dominant shareholding in the hands of club members, but the rules were relaxed in the cases of Leverkusen and Volkswagen-owned Wolfsburg, the 2009 Bundesliga champions.
Leipzig have interpreted the system rather flexibly and soared up the divisions with the financial backing of the soft-drink manufacturer.
Leipzig, in particular, are loudly resented for the money that has given them wings.
But in Hamburg and Bremen, and in Schalke’s hometown of Gelsenkirchen, they are feared, and a little envied, for their upstart energy.
Player of the week – Inaki Williams
Ahead of the Spanish Primera Liga’s first Basque derby of the season, Athletic Bilbao against Real Sociedad on Sunday, one of Spanish football’s brightest young prospects is looking to recover his edge on front of goal.
Quick heels
Williams has shot to prominence over the last 22 months, to become something of an icon for Athletic Bilbao since he made his debut in the Spanish top flight in December 2014. He scores spectacular goals, and he is quick. Last season he was timed covering ground at over 35 kph, faster than any other Primera Liga player.
History maker
He is also the first black player ever to have scored for Athletic, a club who follow a tradition of only selecting footballers with a Basque background, either by birth or ancestry or upbringing. Williams was born in the region, to Ghanaian and Liberian parents who met in Ghana and emigrated to Spain. They gave their oldest son a very Basque name, Inaki.
International suitors
Those unusual roots make Williams conspicuous, and, alas, he was subjected to racist abuse from some fans of Sporting Gijon earlier this season. His background means he has been the subject of interest from three different countries, with an eye on his international career. He could have represented Liberia; Ghana made enquiries about him but earlier this year he won his first senior cap for Spain, having represented their under-21s, and was named as a back-up for Spain’s Euro 2016 squad.
Second year syndrome
Williams passed the milestone of 50 Primera Liga matches last month, and signed a new contract in January, but his form has plateaued somewhat since the outset of this campaign. He is yet to open his goalscoring account in 2016-17. Opponents have become wise to his strengths, wary of his bursts of pace from a position on the right of the attack.
Derby demons
Williams, 22, hit 13 goals last season, and responds well to the big occasion: he struck a goal in the 2015 Copa del Rey final against Barcelona and registered against the same opponents in a Cup quarter-final earlier this year. But in the derby against Sociedad he is yet to score. The fixture has a bad memory, too: he was injured in the 1-0 defeat against Sociedad in February, and missed a month and half recovering.
Coveted
Williams has a buyout clause of €50 million (Dh202.4m) in his current contract, which runs until 2021. The sum is a precaution, notably because of predatory interest from English Premier League clubs. One day Athletic may profit extensively from their speedy, powerful, pathfinder of a striker, though for now they will pleased to see him recover his best form in the local rivalry that matters most to many of their supporters.
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MISSION: IMPOSSIBLE – FINAL RECKONING
Director: Christopher McQuarrie
Starring: Tom Cruise, Hayley Atwell, Simon Pegg
Rating: 4/5
MO
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Multitasking pays off for money goals
Tackling money goals one at a time cost financial literacy expert Barbara O'Neill at least $1 million.
That's how much Ms O'Neill, a distinguished professor at Rutgers University in the US, figures she lost by starting saving for retirement only after she had created an emergency fund, bought a car with cash and purchased a home.
"I tell students that eventually, 30 years later, I hit the million-dollar mark, but I could've had $2 million," Ms O'Neill says.
Too often, financial experts say, people want to attack their money goals one at a time: "As soon as I pay off my credit card debt, then I'll start saving for a home," or, "As soon as I pay off my student loan debt, then I'll start saving for retirement"."
People do not realise how costly the words "as soon as" can be. Paying off debt is a worthy goal, but it should not come at the expense of other goals, particularly saving for retirement. The sooner money is contributed, the longer it can benefit from compounded returns. Compounded returns are when your investment gains earn their own gains, which can dramatically increase your balances over time.
"By putting off saving for the future, you are really inhibiting yourself from benefiting from that wonderful magic," says Kimberly Zimmerman Rand , an accredited financial counsellor and principal at Dragonfly Financial Solutions in Boston. "If you can start saving today ... you are going to have a lot more five years from now than if you decide to pay off debt for three years and start saving in year four."
More on animal trafficking
Killing of Qassem Suleimani
The Settlers
Director: Louis Theroux
Starring: Daniella Weiss, Ari Abramowitz
Rating: 5/5
Specs
Engine: 51.5kW electric motor
Range: 400km
Power: 134bhp
Torque: 175Nm
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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
UK's plans to cut net migration
Under the UK government’s proposals, migrants will have to spend 10 years in the UK before being able to apply for citizenship.
Skilled worker visas will require a university degree, and there will be tighter restrictions on recruitment for jobs with skills shortages.
But what are described as "high-contributing" individuals such as doctors and nurses could be fast-tracked through the system.
Language requirements will be increased for all immigration routes to ensure a higher level of English.
Rules will also be laid out for adult dependants, meaning they will have to demonstrate a basic understanding of the language.
The plans also call for stricter tests for colleges and universities offering places to foreign students and a reduction in the time graduates can remain in the UK after their studies from two years to 18 months.
How has net migration to UK changed?
The figure was broadly flat immediately before the Covid-19 pandemic, standing at 216,000 in the year to June 2018 and 224,000 in the year to June 2019.
It then dropped to an estimated 111,000 in the year to June 2020 when restrictions introduced during the pandemic limited travel and movement.
The total rose to 254,000 in the year to June 2021, followed by steep jumps to 634,000 in the year to June 2022 and 906,000 in the year to June 2023.
The latest available figure of 728,000 for the 12 months to June 2024 suggests levels are starting to decrease.
Killing of Qassem Suleimani
At a glance
Global events: Much of the UK’s economic woes were blamed on “increased global uncertainty”, which can be interpreted as the economic impact of the Ukraine war and the uncertainty over Donald Trump’s tariffs.
Growth forecasts: Cut for 2025 from 2 per cent to 1 per cent. The OBR watchdog also estimated inflation will average 3.2 per cent this year
Welfare: Universal credit health element cut by 50 per cent and frozen for new claimants, building on cuts to the disability and incapacity bill set out earlier this month
Spending cuts: Overall day-to day-spending across government cut by £6.1bn in 2029-30
Tax evasion: Steps to crack down on tax evasion to raise “£6.5bn per year” for the public purse
Defence: New high-tech weaponry, upgrading HM Naval Base in Portsmouth
Housing: Housebuilding to reach its highest in 40 years, with planning reforms helping generate an extra £3.4bn for public finances
Mohammed bin Zayed Majlis
Mohammed bin Zayed Majlis
The years Ramadan fell in May
More from Neighbourhood Watch:
House-hunting
Top 10 locations for inquiries from US house hunters, according to Rightmove
- Edinburgh, Scotland
- Westminster, London
- Camden, London
- Glasgow, Scotland
- Islington, London
- Kensington and Chelsea, London
- Highlands, Scotland
- Argyll and Bute, Scotland
- Fife, Scotland
- Tower Hamlets, London
Specs
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Schedule
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The Facility’s Versatility
Between the start of the 2020 IPL on September 20, and the end of the Pakistan Super League this coming Thursday, the Zayed Cricket Stadium has had an unprecedented amount of traffic.
Never before has a ground in this country – or perhaps anywhere in the world – had such a volume of major-match cricket.
And yet scoring has remained high, and Abu Dhabi has seen some classic encounters in every format of the game.
October 18, IPL, Kolkata Knight Riders tied with Sunrisers Hyderabad
The two playoff-chasing sides put on 163 apiece, before Kolkata went on to win the Super Over
January 8, ODI, UAE beat Ireland by six wickets
A century by CP Rizwan underpinned one of UAE’s greatest ever wins, as they chased 270 to win with an over to spare
February 6, T10, Northern Warriors beat Delhi Bulls by eight wickets
The final of the T10 was chiefly memorable for a ferocious over of fast bowling from Fidel Edwards to Nicholas Pooran
March 14, Test, Afghanistan beat Zimbabwe by six wickets
Eleven wickets for Rashid Khan, 1,305 runs scored in five days, and a last session finish
June 17, PSL, Islamabad United beat Peshawar Zalmi by 15 runs
Usman Khawaja scored a hundred as Islamabad posted the highest score ever by a Pakistan team in T20 cricket
COMPANY PROFILE
Name: Kumulus Water
Started: 2021
Founders: Iheb Triki and Mohamed Ali Abid
Based: Tunisia
Sector: Water technology
Number of staff: 22
Investment raised: $4 million
Company%20profile
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Key facilities
- Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
- Premier League-standard football pitch
- 400m Olympic running track
- NBA-spec basketball court with auditorium
- 600-seat auditorium
- Spaces for historical and cultural exploration
- An elevated football field that doubles as a helipad
- Specialist robotics and science laboratories
- AR and VR-enabled learning centres
- Disruption Lab and Research Centre for developing entrepreneurial skills
GAC GS8 Specs
Engine: 2.0-litre 4cyl turbo
Power: 248hp at 5,200rpm
Torque: 400Nm at 1,750-4,000rpm
Transmission: 8-speed auto
Fuel consumption: 9.1L/100km
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The five pillars of Islam
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
The%20Specs
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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.
Dust and sand storms compared
Sand storm
- Particle size: Larger, heavier sand grains
- Visibility: Often dramatic with thick "walls" of sand
- Duration: Short-lived, typically localised
- Travel distance: Limited
- Source: Open desert areas with strong winds
Dust storm
- Particle size: Much finer, lightweight particles
- Visibility: Hazy skies but less intense
- Duration: Can linger for days
- Travel distance: Long-range, up to thousands of kilometres
- Source: Can be carried from distant regions
Game Changer
Director: Shankar
Stars: Ram Charan, Kiara Advani, Anjali, S J Suryah, Jayaram
Rating: 2/5