Manchester United manager Sir Alex Ferguson gives instructions to Tom Cleverley during a Premier League match against Aston Villa at Villa Park on November 10, 2012. Getty
Manchester United manager Sir Alex Ferguson gives instructions to Tom Cleverley during a Premier League match against Aston Villa at Villa Park on November 10, 2012. Getty
Manchester United manager Sir Alex Ferguson gives instructions to Tom Cleverley during a Premier League match against Aston Villa at Villa Park on November 10, 2012. Getty
Manchester United manager Sir Alex Ferguson gives instructions to Tom Cleverley during a Premier League match against Aston Villa at Villa Park on November 10, 2012. Getty

Glass half full for Tom Cleverley at the end of fruitful career that promised so much more


Andy Mitten
  • English
  • Arabic

The crowd was big, some of the substitutes were not. Over 50,000 turned up to watch Manchester United play Kaiser Chiefs in Pretoria, South Africa, on July 26, 2008.

United were the champions of England and Europe. The main story that week was the pursuit of Dimitar Berbatov in the days when United getting a striker from Tottenham was doable.

Chiefs’ fans seem flamboyant and exotic to European eyes, they sport masks and miners’ helmets while blowing vuvuzela horns and whistles to create a uniquely African atmosphere.

United’s substitutes enter the field: Eagles for Martin, Gibson for Fletcher, Evans for Vidic, Scholes for Carrick, Tevez for Rooney, Campbell for Giggs and Cleverley for Possebon. Tom Cleverley, 18, is making his debut and he heads a Rooney pass in to make it a scoring one. It’s a fine experience for a youngster known as ‘Chunks’ (he couldn’t pronounce ‘TR’ as a kid when referring to swimming trunks), but he’s nowhere near ready to play for the best team in the world on a regular basis.

The midfielder, who United had once considered too small to make it, goes on loan to gain experience. To third-tier Leicester City, where he’s asked to sing a song in front of the first team in an initiation session. He opts for Ain't No Sunshine When She’s Gone. He’ll use that again when he arrives at other new clubs, but the move to Leicester is a shock.

“I went from playing reserve games in front of 300 to really competitive matches in front of 20,000,” he says when I first spoke to him that season. “I was thrown into men’s football against experienced professionals who were playing for their win bonuses. My first 45 minutes for Leicester passed me by before I composed myself at half time and settled down.”

He thrives. The next season, he’s on loan at Watford in the Championship. “I improved as a player and started to score more goals,” he says of the place where he scored 11 goals and learnt to do some basic cooking for himself. Cleverley was voted player of the year at Vicarage Road in 2009/10.

The Premier League is next: Wigan, close to Manchester.

“Roberto Martinez was very strong on tactics, especially against strong teams while I filled out a lot physically thanks to fitness coaches helping me with my gym work,” he explains. It was another success.

It’s now 2011 and Sir Alex Ferguson decides the time is right to give him a real chance in United’s first team, despite commenting on his stature: “Cleverley had no physique, was wiry as hell, but he was brave as a lion, had good feet and could score. I decided 'I'm going to play him'.”

In his first competitive game for United, he outshines Yaya Toure as United beat Manchester City to win the Community Shield at Wembley. He’s then called up for England by Fabio Capello where City players including Micah Richards, Joleon Lescott, Gareth Barry and Joe Hart chide him.

“They were saying that we didn’t batter them at Wembley, whereas I explained quite clearly that we did,” says Cleverley. “It was a great game, really exciting, and I’m sure it will be the same again when we play them in the league.” United lost the league game 6-1, but Cleverley didn’t play in that one.

He had started to feature more in United’s first team, including in an 8-2 win against Arsenal. Cleverley started four league games in the 2011/12 season, all wins.

“The results and performances lifted our confidence,” he told me. “We’re a group of young lads thinking, ‘Wow! This is a real achievement and after all those years of hard work we’re actually playing for Manchester United.’”

Outside of football, he went about his life unnoticed, playing snooker with friends.

“I was playing there recently when a member came up to me. He had no idea what I do for a living and said, ‘You’re pretty decent, you, do you fancy playing with the snooker team on a Tuesday night?’ I laughed, said thanks and told him that I had other commitments.”

He starts to get recognised more. Danny Welbeck, one of his close friends, reckons it’s people mistaking him for the Germany international Lukas Podolski.

“He’s a very clever player, the boy,” Ferguson said of Cleverley then. “Very intelligent. He’s mobile and a good finisher.”

But in the fourth league game, a disgusting tackle by Kevin Davies at Bolton on September 10 saw him go off injured. He wouldn’t play another 90 minutes in the league all season. Davies called him to apologise. Cleverley attracted this sort of treatment. In a game at Chelsea, Ferguson was adamant that Fernando Torres should have been sent off for a tackle on Cleverley.

He lost his place to Michael Carrick, Darren Fletcher and Paul Scholes. No shame in that, but he was flying when Davies did him.

And so to the ups and downs on a football career. Cleverley’s parents and their partners, plus his own partner, were a huge support to him. His father Andrew watched him play in 350 of his 379 professional games. That record was broken by no fans being allowed for some games during the Covid lockdowns.

Some things he gets right, others wrong. A personal website in the age before Instagram attracts 1.5 million followers – and a lot of abuse when he doesn’t perform well. He did it because sponsors encouraged him to and his personal sponsorship deal with Nike was one of the highest ever for a footballer below the age of 25.

He’s a very clever player, the boy. Very intelligent
Sir Alex Ferguson about Tom Cleverley

Sponsors wanted some media profile, but Cleverley had already clashed with Ferguson about just that. After one trip away with England, Ferguson told him to rein in the number of interviews he was doing. Better to let his football do the talking, Ferguson suggested.

And he was right, but Ferguson was old school. It would be considered normal now. Today, young players are early adopters on social media.

After playing in the 2012 Olympic Games in London, Ferguson played Cleverley in 32 games in 2012/13, the last season United were champions of England. He’s rightly proud of that medal.

David Moyes played him 31 times in his 10 months at Old Trafford in 2013/14, but Cleverley wasn’t the only player to suffer after Ferguson departed. Ferguson pushed, encouraged, disciplined and nurtured his talents. The United team who had beat Arsenal 8-2 were De Gea; Smalling, Jones, Evans, Evra; Nani, Cleverley, Anderson, Young; Rooney, Welbeck. Incredible, really.

All the players from that young side were expected to enjoy long and fruitful careers at Old Trafford. Without Ferguson, it didn’t happen.

Criticism picked up with the Bradford-raised youngster one of the several scapegoats in an underperforming United side. He did an interview where he gave his side of the story and said he wasn’t always appreciated. Fair comment from him.

But the timing could have been better though, coming as it did after another shocking result for United. Cleverley got loads of abuse, most of it anonymous, for it. So much that his social media account was closed.

Cleverley was stung and the frustration built. On the rare occasion when his performances allowed him to let it out, such as when he scored against Aston Villa away, his release was cathartic. He celebrated passionately in front of the away end, he really wanted to succeed at United.

Tom Cleverley receives instructions from then Manchester United manager David Moyes during the 2013/14 season. PA
Tom Cleverley receives instructions from then Manchester United manager David Moyes during the 2013/14 season. PA

Mediocre performances in a mediocre United side saw Cleverley derided as not being good enough to play central midfield for the club. The man who once outclassed Toure in a Manchester derby looked short of confidence in Moyes' struggling side.

Louis van Gaal didn’t think he was good enough to play central midfield for Manchester United either. Cleverley, Anderson and Fletcher were replaced by Ander Herrera and Daley Blind instead.

Cleverley played 79 times for United before he moved to Aston Villa on loan for the 2014/15 season. He left on transfer deadline day, like Welbeck, who went to Arsenal. Welbeck had been at the club since he was eight, Cleverley since he was 11.

The day he left, Cleverley’s father sent me a photo of his son in his first day at United in 2000. A tiny boy, the red shirt dwarfed him.

I stayed in touch with Tom and his father. Got requests such as Tom asking if it was possible to get a copy of the programme from his debut in South Africa. Or a message from Andrew saying how proud he was as he set off to Wembley to watch his son play in an FA Cup final in 2015.

There is life away from the biggest clubs and Cleverley did well at Villa and was about to sign for them full time. In fact he was on the M6 to Birmingham to do so and to meet assistant manager Roy Keane when Everton came in with a far better offer. He moved to Goodison Park. Keane was furious.

Cleverley played for two seasons at Goodison, a graveyard for former United midfielders. Then he moved back to Watford, playing 146 games over seven seasons, five of them in the Premier League until his retirement last week at the age of 33 due to injuries. He’s very highly thought of at Watford and settled in the area with his young family.

Few players play 500 games for the top clubs in football. It briefly looked like Cleverley would, but he still enjoyed a fruitful career, most of it as a Premier League footballer. There are millions around the world who can only dream of that.

JAPANESE GRAND PRIX INFO

Schedule (All times UAE)
First practice: Friday, 5-6.30am
Second practice: Friday, 9-10.30am
Third practice: Saturday, 7-8am
Qualifying: Saturday, 10-11am
Race: Sunday, 9am-midday 

Race venue: Suzuka International Racing Course
Circuit Length: 5.807km
Number of Laps: 53
Watch live: beIN Sports HD

UEFA CHAMPIONS LEAGUE FIXTURES

All kick-off times 10.45pm UAE ( 4 GMT) unless stated

Tuesday
Sevilla v Maribor
Spartak Moscow v Liverpool
Manchester City v Shakhtar Donetsk
Napoli v Feyenoord
Besiktas v RB Leipzig
Monaco v Porto
Apoel Nicosia v Tottenham Hotspur
Borussia Dortmund v Real Madrid

Wednesday
Basel v Benfica
CSKA Moscow Manchester United
Paris Saint-Germain v Bayern Munich
Anderlecht v Celtic
Qarabag v Roma (8pm)
Atletico Madrid v Chelsea
Juventus v Olympiakos
Sporting Lisbon v Barcelona

What vitamins do we know are beneficial for living in the UAE

Vitamin D: Highly relevant in the UAE due to limited sun exposure; supports bone health, immunity and mood.Vitamin B12: Important for nerve health and energy production, especially for vegetarians, vegans and individuals with absorption issues.Iron: Useful only when deficiency or anaemia is confirmed; helps reduce fatigue and support immunity.Omega-3 (EPA/DHA): Supports heart health and reduces inflammation, especially for those who consume little fish.

The%20Specs%20
%3Cp%3E%3Cstrong%3ELamborghini%20LM002%3C%2Fstrong%3E%3Cbr%3E%3Cstrong%3EEngine%3A%3C%2Fstrong%3E%205.2-litre%20V12%3Cbr%3E%3Cstrong%3EPower%3A%3C%2Fstrong%3E%20450hp%20at%206%2C800rpm%3Cbr%3E%3Cstrong%3ETorque%3A%20%3C%2Fstrong%3E500Nm%20at%204%2C500rpm%3Cbr%3E%3Cstrong%3ETransmission%3A%20%3C%2Fstrong%3EFive-speed%20manual%3Cbr%3E%3Cstrong%3E0-100kph%3A%3C%2Fstrong%3E%209%20seconds%20(approx)%3Cbr%3E%3Cstrong%3ETop%20speed%3A%3C%2Fstrong%3E%20210kph%20(approx)%3Cbr%3E%3Cstrong%3EYears%20built%3A%3C%2Fstrong%3E%201986-93%3Cbr%3E%3Cstrong%3ETotal%20vehicles%20built%3A%3C%2Fstrong%3E%20328%3Cbr%3E%3Cstrong%3EValue%20today%3A%3C%2Fstrong%3E%20%24300%2C000%2B%3Cbr%3E%3C%2Fp%3E%0A
The specs
Engine: 3.0-litre twin-turbo flat-six

Power: 480hp at 6,500rpm

Torque: 570Nm from 2,300-5,000rpm

Transmission: 8-speed dual-clutch auto

Fuel consumption: 10.4L/100km

Price: from Dh547,600

On sale: now 

Timeline

2012-2015

The company offers payments/bribes to win key contracts in the Middle East

May 2017

The UK SFO officially opens investigation into Petrofac’s use of agents, corruption, and potential bribery to secure contracts

September 2021

Petrofac pleads guilty to seven counts of failing to prevent bribery under the UK Bribery Act

October 2021

Court fines Petrofac £77 million for bribery. Former executive receives a two-year suspended sentence 

December 2024

Petrofac enters into comprehensive restructuring to strengthen the financial position of the group

May 2025

The High Court of England and Wales approves the company’s restructuring plan

July 2025

The Court of Appeal issues a judgment challenging parts of the restructuring plan

August 2025

Petrofac issues a business update to execute the restructuring and confirms it will appeal the Court of Appeal decision

October 2025

Petrofac loses a major TenneT offshore wind contract worth €13 billion. Holding company files for administration in the UK. Petrofac delisted from the London Stock Exchange

November 2025

180 Petrofac employees laid off in the UAE

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.”

Which honey takes your fancy?

Al Ghaf Honey

The Al Ghaf tree is a local desert tree which bears the harsh summers with drought and high temperatures. From the rich flowers, bees that pollinate this tree can produce delicious red colour honey in June and July each year

Sidr Honey

The Sidr tree is an evergreen tree with long and strong forked branches. The blossom from this tree is called Yabyab, which provides rich food for bees to produce honey in October and November. This honey is the most expensive, but tastiest

Samar Honey

The Samar tree trunk, leaves and blossom contains Barm which is the secret of healing. You can enjoy the best types of honey from this tree every year in May and June. It is an historical witness to the life of the Emirati nation which represents the harsh desert and mountain environments

Profile of Bitex UAE

Date of launch: November 2018

Founder: Monark Modi

Based: Business Bay, Dubai

Sector: Financial services

Size: Eight employees

Investors: Self-funded to date with $1m of personal savings

Bert van Marwijk factfile

Born: May 19 1952
Place of birth: Deventer, Netherlands
Playing position: Midfielder

Teams managed:
1998-2000 Fortuna Sittard
2000-2004 Feyenoord
2004-2006 Borussia Dortmund
2007-2008 Feyenoord
2008-2012 Netherlands
2013-2014 Hamburg
2015-2017 Saudi Arabia
2018 Australia

Major honours (manager):
2001/02 Uefa Cup, Feyenoord
2007/08 KNVB Cup, Feyenoord
World Cup runner-up, Netherlands

Tamkeen's offering
  • Option 1: 70% in year 1, 50% in year 2, 30% in year 3
  • Option 2: 50% across three years
  • Option 3: 30% across five years 
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

Roll of honour: Who won what in 2018/19?

West Asia Premiership: Winners – Bahrain; Runners-up – Dubai Exiles

UAE Premiership: Winners – Abu Dhabi Harlequins; Runners-up  Jebel Ali Dragons

Dubai Rugby Sevens: Winners – Dubai Hurricanes; Runners-up – Abu Dhabi Harlequins

UAE Conference: Winners  Dubai Tigers; Runners-up  Al Ain Amblers

The UAE squad for the Asian Indoor and Martial Arts Games

The jiu-jitsu men’s team: Faisal Al Ketbi, Zayed Al Kaabi, Yahia Al Hammadi, Taleb Al Kirbi, Obaid Al Nuaimi, Omar Al Fadhli, Zayed Al Mansoori, Saeed Al Mazroui, Ibrahim Al Hosani, Mohammed Al Qubaisi, Salem Al Suwaidi, Khalfan Belhol, Saood Al Hammadi.

Women’s team: Mouza Al Shamsi, Wadeema Al Yafei, Reem Al Hashmi, Mahra Al Hanaei, Bashayer Al Matrooshi, Hessa Thani, Salwa Al Ali.

Company Fact Box

Company name/date started: Abwaab Technologies / September 2019

Founders: Hamdi Tabbaa, co-founder and CEO. Hussein Alsarabi, co-founder and CTO

Based: Amman, Jordan

Sector: Education Technology

Size (employees/revenue): Total team size: 65. Full-time employees: 25. Revenue undisclosed

Stage: early-stage startup 

Investors: Adam Tech Ventures, Endure Capital, Equitrust, the World Bank-backed Innovative Startups SMEs Fund, a London investment fund, a number of former and current executives from Uber and Netflix, among others.

UAE currency: the story behind the money in your pockets
COMPANY%20PROFILE
%3Cp%3E%3Cstrong%3ECompany%20name%3A%3C%2Fstrong%3E%20The%20Cloud%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%202018%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20George%20Karam%20and%20Kamil%20Rogalinski%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Hub71%2C%20Abu%20Dhabi%2C%20UAE%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EIndustry%3A%3C%2Fstrong%3E%20Food%20technology%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFunding%20size%3A%3C%2Fstrong%3E%20%2410m%2B%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EInvestors%3A%3C%2Fstrong%3E%20Middle%20East%20Venture%20Partners%2C%20Olayan%20Financing%2C%20Rua%20Growth%20Fund%3C%2Fp%3E%0A

Chelsea 2 Burnley 3
Chelsea
 Morata (69'), Luiz (88')
Burnley Vokes (24', 43'), Ward (39')
Red cards Cahill, Fabregas (Chelsea)

Iraq negotiating over Iran sanctions impact
  • US sanctions on Iran’s energy industry and exports took effect on Monday, November 5.
  • Washington issued formal waivers to eight buyers of Iranian oil, allowing them to continue limited imports. Iraq did not receive a waiver.
  • Iraq’s government is cooperating with the US to contain Iranian influence in the country, and increased Iraqi oil production is helping to make up for Iranian crude that sanctions are blocking from markets, US officials say.
  • Iraq, the second-biggest producer in the Organization of Petroleum Exporting Countries, pumped last month at a record 4.78 million barrels a day, former Oil Minister Jabbar Al-Luaibi said on Oct. 20. Iraq exported 3.83 million barrels a day last month, according to tanker tracking and data from port agents.
  • Iraq has been working to restore production at its northern Kirkuk oil field. Kirkuk could add 200,000 barrels a day of oil to Iraq’s total output, Hook said.
  • The country stopped trucking Kirkuk oil to Iran about three weeks ago, in line with U.S. sanctions, according to four people with knowledge of the matter who asked not to be identified because they aren’t allowed to speak to media.
  • Oil exports from Iran, OPEC’s third-largest supplier, have slumped since President Donald Trump announced in May that he’d reimpose sanctions. Iran shipped about 1.76 million barrels a day in October out of 3.42 million in total production, data compiled by Bloomberg show.
  • Benchmark Brent crude fell 47 cents to $72.70 a barrel in London trading at 7:26 a.m. local time. U.S. West Texas Intermediate was 25 cents lower at $62.85 a barrel in New York. WTI held near the lowest level in seven months as concerns of a tightening market eased after the U.S. granted its waivers to buyers of Iranian crude.
The Perfect Couple

Starring: Nicole Kidman, Liev Schreiber, Jack Reynor

Creator: Jenna Lamia

Rating: 3/5

The specs: 2018 Maserati Ghibli

Price, base / as tested: Dh269,000 / Dh369,000

Engine: 3.0-litre twin-turbocharged V6

Transmission: Eight-speed automatic

Power: 355hp @ 5,500rpm

Torque: 500Nm @ 4,500rpm

Fuel economy, combined: 8.9L / 100km

Our family matters legal consultant

Name: Dr Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

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.

The Prison Letters of Nelson Mandela
Edited by Sahm Venter
Published by Liveright

Results

6.30pm: Maiden (TB) Dh82,500 (Dirt) 1,200m; Winner: Major Cinnamon, Fernando Jara, Mujeeb Rahman

7.05pm: Maiden (TB) Dh82,500 (D) 1,900m; Winner: Al Mureib, Fernando Jara, Ahmad bin Harmash

7.40pm: Handicap (TB) Dh102,500 (D) 2,000m; Winner: Remorse, Tadhg O’Shea, Satish Seemar

8.15pm: Conditions (TB) Dh120,000 (D) 1,600m; Winner: Meshakel, Xavier Ziani, Salem bin Ghadayer

8.50pm: Handicap (TB) Dh95,000 (D) 1,600m; Winner: Desert Peace, William Buick, Charlie Appleby

9.25pm: Handicap (TB) Dh87,500 (D) 1,400m; Winner: Sharamm, Ryan Curatlo, Satish Seemar

Top tips

Create and maintain a strong bond between yourself and your child, through sensitivity, responsiveness, touch, talk and play. “The bond you have with your kids is the blueprint for the relationships they will have later on in life,” says Dr Sarah Rasmi, a psychologist.
Set a good example. Practise what you preach, so if you want to raise kind children, they need to see you being kind and hear you explaining to them what kindness is. So, “narrate your behaviour”.
Praise the positive rather than focusing on the negative. Catch them when they’re being good and acknowledge it.
Show empathy towards your child’s needs as well as your own. Take care of yourself so that you can be calm, loving and respectful, rather than angry and frustrated.
Be open to communication, goal-setting and problem-solving, says Dr Thoraiya Kanafani. “It is important to recognise that there is a fine line between positive parenting and becoming parents who overanalyse their children and provide more emotional context than what is in the child’s emotional development to understand.”
 

if you go

The flights
Fly direct to Kutaisi with Flydubai from Dh925 return, including taxes. The flight takes 3.5 hours. From there, Svaneti is a four-hour drive. The driving time from Tbilisi is eight hours.
The trip
The cost of the Svaneti trip is US$2,000 (Dh7,345) for 10 days, including food, guiding, accommodation and transfers from and to ­Tbilisi or Kutaisi. This summer the TCT is also offering a 5-day hike in Armenia for $1,200 (Dh4,407) per person. For further information, visit www.transcaucasiantrail.org/en/hike/

Tributes from the UAE's personal finance community

• Sebastien Aguilar, who heads SimplyFI.org, a non-profit community where people learn to invest Bogleheads’ style

“It is thanks to Jack Bogle’s work that this community exists and thanks to his work that many investors now get the full benefits of long term, buy and hold stock market investing.

Compared to the industry, investing using the common sense approach of a Boglehead saves a lot in costs and guarantees higher returns than the average actively managed fund over the long term. 

From a personal perspective, learning how to invest using Bogle’s approach was a turning point in my life. I quickly realised there was no point chasing returns and paying expensive advisers or platforms. Once money is taken care off, you can work on what truly matters, such as family, relationships or other projects. I owe Jack Bogle for that.”

• Sam Instone, director of financial advisory firm AES International

"Thought to have saved investors over a trillion dollars, Jack Bogle’s ideas truly changed the way the world invests. Shaped by his own personal experiences, his philosophy and basic rules for investors challenged the status quo of a self-interested global industry and eventually prevailed.  Loathed by many big companies and commission-driven salespeople, he has transformed the way well-informed investors and professional advisers make decisions."

• Demos Kyprianou, a board member of SimplyFI.org

"Jack Bogle for me was a rebel, a revolutionary who changed the industry and gave the little guy like me, a chance. He was also a mentor who inspired me to take the leap and take control of my own finances."

• Steve Cronin, founder of DeadSimpleSaving.com

"Obsessed with reducing fees, Jack Bogle structured Vanguard to be owned by its clients – that way the priority would be fee minimisation for clients rather than profit maximisation for the company.

His real gift to us has been the ability to invest in the stock market (buy and hold for the long term) rather than be forced to speculate (try to make profits in the shorter term) or even worse have others speculate on our behalf.

Bogle has given countless investors the ability to get on with their life while growing their wealth in the background as fast as possible. The Financial Independence movement would barely exist without this."

• Zach Holz, who blogs about financial independence at The Happiest Teacher

"Jack Bogle was one of the greatest forces for wealth democratisation the world has ever seen.  He allowed people a way to be free from the parasitical "financial advisers" whose only real concern are the fat fees they get from selling you over-complicated "products" that have caused millions of people all around the world real harm.”

• Tuan Phan, a board member of SimplyFI.org

"In an industry that’s synonymous with greed, Jack Bogle was a lone wolf, swimming against the tide. When others were incentivised to enrich themselves, he stood by the ‘fiduciary’ standard – something that is badly needed in the financial industry of the UAE."

Grand Slam Los Angeles results

Men:
56kg – Jorge Nakamura
62kg – Joao Gabriel de Sousa
69kg – Gianni Grippo
77kg – Caio Soares
85kg – Manuel Ribamar
94kg – Gustavo Batista
110kg – Erberth Santos

Women:
49kg – Mayssa Bastos
55kg – Nathalie Ribeiro
62kg – Gabrielle McComb
70kg – Thamara Silva
90kg – Gabrieli Pessanha

The design

The protective shell is covered in solar panels to make use of light and produce energy. This will drastically reduce energy loss.

More than 80 per cent of the energy consumed by the French pavilion will be produced by the sun.

The architecture will control light sources to provide a highly insulated and airtight building.

The forecourt is protected from the sun and the plants will refresh the inner spaces.

A micro water treatment plant will recycle used water to supply the irrigation for the plants and to flush the toilets. This will reduce the pavilion’s need for fresh water by 30 per cent.

Energy-saving equipment will be used for all lighting and projections.

Beyond its use for the expo, the pavilion will be easy to dismantle and reuse the material.

Some elements of the metal frame can be prefabricated in a factory.

 From architects to sound technicians and construction companies, a group of experts from 10 companies have created the pavilion.

Work will begin in May; the first stone will be laid in Dubai in the second quarter of 2019. 

Construction of the pavilion will take 17 months from May 2019 to September 2020.

Dark Souls: Remastered
Developer: From Software (remaster by QLOC)
Publisher: Namco Bandai
Price: Dh199

Day 2, stumps

Pakistan 482

Australia 30/0 (13 ov)

Australia trail by 452 runs with 10 wickets remaining in the innings

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Updated: July 05, 2023, 6:52 AM