Soccer Football - Champions League - Group Stage - Group C - Paris St Germain v Liverpool - Parc des Princes, Paris, France - November 28, 2018  Liverpool's James Milner and manager Juergen Klopp applaud the fans at the end of the match   Action Images via Reuters/Andrew Boyers
James Milner, right, was part of a Liverpool midfield overran by Paris Saint-German in a Champions League defeat on Wednesday. Reuters

Merseyside derby: Liverpool have gone from cavalier to cautious just as Everton have made the opposite journey


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From the moment the fixture list was released, December was always shaping up to be a huge month at Anfield. Liverpool have nonetheless contrived to make it bigger. As defeat to Paris Saint-Germain means last season's runners-up flirt with an early exit from the Uefa Champions League, Napoli's visit becomes a final of sorts.

It comes in a period when Liverpool also host Manchester United, Arsenal and, first, Everton on Sunday. If the temptation is to see them as a group of games where ambitions could be dented on two fronts, Jurgen Klopp stressed the uniqueness of the local rivalry.

“This game is isolated from the season: it’s a derby, it’s at home,” he said. “Everton are doing really well this season. They’re a completely different cup of tea to the last few years so it will be a tough one.” As Everton have become more enterprising and more attack-minded, Liverpool have made the opposite journey.

Klopp’s cavaliers, the side who blazed a trail in Europe last season by scoring a record number of Champions League goals, have become misers. The advantage of their pragmatic revolution can be seen in England, a defence that has been breached just five times underpinning an unbeaten league start. Liverpool have gone from exciting to efficient, dropping no points against the bottom 15 sides.

Yet the downside of their new-found caution has been apparent in Europe. James Milner’s penalty in the Parc des Princes was Liverpool’s only goal in three away Champions League games that produced just five shots on target.

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Read more:

PSG show grit and fighting spirit in beating Liverpool to leave Group C on tenterhooks

Pochettino has faith Tottenham can win in Barcelona to carry on Champions League journey

Andy Mitten: Relief, but not much else to shout about as Manchester United reach Champions League last 16

Premier League predictions: Liverpool and Manchester City march on

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If it illustrates the way their feared front three have been stifled and subdued on their travels, and Roberto Firmino in particular looks tired, some of the focus has fallen on another trio. Georginio Wijnaldum, Jordan Henderson and Milner were Liverpool’s worthy overachievers last season, an industrious trio whose characters propelled them into Champions League final starting berths in midfield.

Yet a quest for solidity has come at a cost. Liverpool have only scored two goals in the last five games Wijnaldum and Milner have started together. If the midfield is yet to recapture the dynamism that was lost when Alex Oxlade-Chamberlain was injured in April, it is also notable that the old guard are preferred for the more demanding tests after a summer when almost £100 million (Dh470m) was invested in newcomers.

Fabinho’s slow start has been well documented and Klopp only tends to trust the Brazilian with the insurance of another holding midfielder, even if a swap to 4-2-3-1 has the benefit of accommodating the inventive Xherdan Shaqiri. Naby Keita was always expected to bring more adventure but, four months into his Anfield career, his brightest performance remains a sparkling debut against West Ham United.

“Naby Keita will be – and he is – an outstanding player,” insisted Klopp on Tuesday. “The situation after he got injured was average because he has to get fit again, but the start was brilliant. He will be a massive player in the future for LFC and he is already.”

Wednesday was just the second game of his comeback and if more reliable figures have been trusted to start ahead of an unpredictable presence who can seem a player designed for five-second clips that are shared on social media, there is a case to unleash Keita against Everton.

"At a club like ours, sometimes you have to wait a bit longer for the moment," Klopp said. Oxlade-Chamberlain, Andrew Robertson and Fabinho can testify as much. In contrast, Virgil van Dijk's moment came straight away. Rewind 11 months and his debut came in a derby. The Dutchman headed a late winner against Everton.

“It was an amazing night so I am definitely looking forward to it,” said the defender. “These games we have, everyone in the world will want to play them. We are in a fantastic moment in the league, still unbeaten. We will be up for it. We want to bounce back from this.”

And, despite that excellent league record, a response is required.

The Super Mario Bros Movie

Directors: Aaron Horvath and Michael Jelenic
Stars: Chris Pratt, Anya Taylor-Joy, Charlie Day, Jack Black, Seth Rogen and Keegan-Michael Key
Rating: 1/5

UAE FIXTURES

Wednesday 19 April – UAE v Kuwait
Friday 21 April – UAE v Hong Kong
Sunday 23 April – UAE v Singapore
Wednesday 26 April – UAE v Bahrain
Saturday 29 April – Semi-finals
Sunday 30 April – Third position match
Monday 1 May – Final

COMPANY PROFILE

Company name: Klipit

Started: 2022

Founders: Venkat Reddy, Mohammed Al Bulooki, Bilal Merchant, Asif Ahmed, Ovais Merchant

Based: Dubai, UAE

Industry: Digital receipts, finance, blockchain

Funding: $4 million

Investors: Privately/self-funded

THE DETAILS

Solo: A Star Wars Story

Dir: Ron Howard

Starring: Alden Ehrenreich, Emilia Clarke, Woody Harrelson

3/5

Other must-tries

Tomato and walnut salad

A lesson in simple, seasonal eating. Wedges of tomato, chunks of cucumber, thinly sliced red onion, coriander or parsley leaves, and perhaps some fresh dill are drizzled with a crushed walnut and garlic dressing. Do consider yourself warned: if you eat this salad in Georgia during the summer months, the tomatoes will be so ripe and flavourful that every tomato you eat from that day forth will taste lacklustre in comparison.

Badrijani nigvzit

A delicious vegetarian snack or starter. It consists of thinly sliced, fried then cooled aubergine smothered with a thick and creamy walnut sauce and folded or rolled. Take note, even though it seems like you should be able to pick these morsels up with your hands, they’re not as durable as they look. A knife and fork is the way to go.

Pkhali

This healthy little dish (a nice antidote to the khachapuri) is usually made with steamed then chopped cabbage, spinach, beetroot or green beans, combined with walnuts, garlic and herbs to make a vegetable pâté or paste. The mix is then often formed into rounds, chilled in the fridge and topped with pomegranate seeds before being served.

Living in...

This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home. 

TECH SPECS: APPLE WATCH SERIES 9

Display: 41mm – 352 x 430; 45mm – 396 x 484; always-on Retina LTPO OLED, 2000 nits max; Ion-X glass (aluminium cases), sapphire crystal (stainless steel cases)

Processor: Apple S9 64-bit, W3 wireless, 2nd-gen Ultra Wideband

Capacity: 64GB

Memory: 1GB

Platform: watchOS 10

Health metrics: Blood oxygen sensor, electrical heart sensor and ECG, 3rd-gen optical heart sensor, high and low heart rate notifications, irregular rhythm notifications, sleep stages, temperature sensing

Emergency services: Emergency SOS, international emergency calling, crash detection, fall detection

Connectivity: GPS/GPS + cellular; Wi-Fi, LTE, Bluetooth 5.3, NFC (Apple Pay)

Durability: IP6X, water resistant up to 50m, dust resistant

Battery: 308mAh Li-ion, up to 18h regular/36h low power; wireless charging

Cards: eSIM

Finishes: Aluminium – midnight, pink, Product Red, silver, starlight; stainless steel – gold, graphite, silver

In the box: Watch Series 9, woven magnetic-to-USB-C charging cable, band/loop

Price: Starts at Dh1,599 (41mm) / Dh1,719 (45mm)

Types of fraud

Phishing: Fraudsters send an unsolicited email that appears to be from a financial institution or online retailer. The hoax email requests that you provide sensitive information, often by clicking on to a link leading to a fake website.

Smishing: The SMS equivalent of phishing. Fraudsters falsify the telephone number through “text spoofing,” so that it appears to be a genuine text from the bank.

Vishing: The telephone equivalent of phishing and smishing. Fraudsters may pose as bank staff, police or government officials. They may persuade the consumer to transfer money or divulge personal information.

SIM swap: Fraudsters duplicate the SIM of your mobile number without your knowledge or authorisation, allowing them to conduct financial transactions with your bank.

Identity theft: Someone illegally obtains your confidential information, through various ways, such as theft of your wallet, bank and utility bill statements, computer intrusion and social networks.

Prize scams: Fraudsters claiming to be authorised representatives from well-known organisations (such as Etisalat, du, Dubai Shopping Festival, Expo2020, Lulu Hypermarket etc) contact victims to tell them they have won a cash prize and request them to share confidential banking details to transfer the prize money.

* Nada El Sawy

Scoreline

Real Madrid 1
Ronaldo (53')

Atletico Madrid 1
Griezmann (57')

COMPANY PROFILE

Name: PlanRadar
Started: 2013
Co-founders: Ibrahim Imam, Sander van de Rijdt, Constantin Köck, Clemens Hammerl, Domagoj Dolinsek
Based: Vienna, Austria
Sector: Construction and real estate
Current number of staff: 400+
Investment stage: Series B
Investors: Headline, Berliner Volksbank Ventures, aws Gründerfonds, Cavalry Ventures, Proptech1, Russmedia, GR Capital

Veil (Object Lessons)
Rafia Zakaria
​​​​​​​Bloomsbury Academic

In numbers

- Number of children under five will fall from 681 million in 2017 to 401m in 2100

- Over-80s will rise from 141m in 2017 to 866m in 2100

- Nigeria will become the world’s second most populous country with 791m by 2100, behind India

- China will fall dramatically from a peak of 2.4 billion in 2024 to 732 million by 2100

- an average of 2.1 children per woman is required to sustain population growth

Essentials

The flights
Emirates and Etihad fly direct from the UAE to Los Angeles, from Dh4,975 return, including taxes. The flight time is 16 hours. Alaska Airlines, United Airlines, Delta Air Lines, Aeromexico and Southwest all fly direct from Los Angeles to San Jose del Cabo from Dh1,243 return, including taxes. The flight time is two-and-a-half hours.

The trip
Lindblad Expeditions National Geographic’s eight-day Whales Wilderness itinerary costs from US$6,190 (Dh22,736) per person, twin share, including meals, accommodation and excursions, with departures in March and April 2018.

 

Kill

Director: Nikhil Nagesh Bhat

Starring: Lakshya, Tanya Maniktala, Ashish Vidyarthi, Harsh Chhaya, Raghav Juyal

Rating: 4.5/5

The specs

Engine: Single front-axle electric motor
Power: 218hp
Torque: 330Nm
Transmission: Single-speed automatic
Max touring range: 402km (claimed)
Price: From Dh215,000 (estimate)
On sale: September

The Specs

Engine: 1.6-litre 4-cylinder petrol
Power: 118hp
Torque: 149Nm
Transmission: Six-speed automatic
Price: From Dh61,500
On sale: Now

Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

The specs

Engine: 1.8-litre 4-cyl turbo
Power: 190hp at 5,200rpm
Torque: 320Nm from 1,800-5,000rpm
Transmission: Seven-speed dual-clutch auto
Fuel consumption: 6.7L/100km
Price: From Dh111,195
On sale: Now

UAE currency: the story behind the money in your pockets
MATCH INFO

FA Cup final

Chelsea 1
Hazard (22' pen)

Manchester United 0

Man of the match: Eden Hazard (Chelsea)

The specs: 2019 Chevrolet Bolt EV

Price, base: Dh138,000 (estimate)
Engine: 60kWh battery
Transmission: Single-speed Electronic Precision Shift
Power: 204hp
Torque: 360Nm
​​​​​​​Range: 520km (claimed)


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