These are heady days in a corner of England's West Midlands. West Bromwich Albion are on course for their highest league finish since 1981, and unless they slip two places in the final four league games of the season, the class of 2013 will be officially their finest side in more than three decades.
So it is a logical assumption that the title of the pick of the bunch would be hotly contested.
Would it be Romelu Lukaku, the 14-goal top scorer and a revelation in attack? Claudio Yacob, one of the signings of the season, or the energetic Youssouf Mulumbu, the other half of a much-admired midfield partnership? Perhaps James Morrison, who has had a terrific year?
No. Because there was no great surprise when the results of the West Brom players' vote was announced. Their verdict echoed the supporters' choice. West Brom's player of the year is a 33-year-old former window draftsman who was 24 before he made his Football League debut. They plumped for Gareth McAuley.
"Our best player this season," said head coach Steve Clarke. "Consistently the best."
Yet before McAuley left West Brom's awards night overloaded with silverware, there was a temptation to call the centre-back an unsung hero. It was wrong, however. Actually, a crowd favourite is very much a sung hero. On a matchday, The Hawthorns tends to reverberate to choruses of his name, along with the assertion that he is "better than JT [John Terry]".
Yet while the Englishman is a year his junior, he had been awarded the Chelsea captaincy before McAuley had earned a contract with a fourth-tier team. While the Northern Irishman, a giant in the defence, is helping West Brom reach new heights, his is an unlikely story.
Born in the port of Larne in 1979, he had played for Linfield, Ballyclare Comrades, Crusaders and Coleraine without finding a club outside his native Northern Ireland, supplementing his income from football by working as a window draftsman.
Finally, he came to the attention of English clubs. Negotiations with Stockport County broke down, but fourth-tier Lincoln City stepped in, paying the princely sum of £10,000 to buy him. Even then, the path to success was not smooth.
McAuley's initial outings came as a substitute striker, his height equipping him to operate as a target man. When he forced his way into the side, it was as a right-back before he eventually moved into the middle of the defence, where he was named in the League Two team of the season in 2005/06.
Keith Alexander's team reached the play-offs in both of McAuley's seasons at Sincil Bank, but his contract expired after a second failure to secure promotion and the defender opted to join Leicester City, in the second tier.
Two years later, they were relegated to League One. Nevertheless, McAuley, a reason why they had possessed an excellent defensive record, remained in the Championship by signing for Ipswich Town. He was recruited by Jim Magilton but flourished under Roy Keane's management.
"Working for him was tough, mentally and physically, trying to live up to those standards, but it was good for me," McAuley said.
He was already a full international, having debuted for his country in 2005, but the former Manchester United captain gave McAuley the belief he could play in the top flight.
And, although he was in his 32nd year when his Ipswich contract ended in 2011, the Premier League finally came calling.
Roy Hodgson, then West Bromwich Albion's head coach, had a fondness for quietly dependable characters. McAuley, like Hodgson, was an unglamorous figure who had taken a circuitous route to the top but the older man was looking to tighten up Albion's defence.
His solution was to pair McAuley with Swede Jonas Olsson, a decision that paid dividends.
"Ever since he got into the team a couple of years back, he's become one of the first names on the teamsheet," said captain Chris Brunt. "I can't speak highly enough of him, he's come in, he does his job and there's no fuss."
And having taken his time to reach in the Premier League, McAuley is set to stay. His current contract has 14 months remaining, but Albion are in discussions about an extended deal, with Clarke keen to keep McAuley. He, in turn, is happy to stay.
"The club have given me a chance to play at this level and I owe them something," he said.
A decade after his days as a part-time player, he can reflect upon how his fortunes have changed. He said in 2011: "I know what working 9 to 5 is about. It's tough. A lot of footballers moan, but when they come through and have seen real life, you come to ignore anything trivial."
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Section 375
Cast: Akshaye Khanna, Richa Chadha, Meera Chopra & Rahul Bhat
Director: Ajay Bahl
Producers: Kumar Mangat Pathak, Abhishek Pathak & SCIPL
Rating: 3.5/5
COMPANY PROFILE
Name: Akeed
Based: Muscat
Launch year: 2018
Number of employees: 40
Sector: Online food delivery
Funding: Raised $3.2m since inception
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England World Cup squad
Eoin Morgan (capt), Moeen Ali, Jofra Archer, Jonny Bairstow, Jos Buttler (wkt), Tom Curran, Liam Dawson, Liam Plunkett, Adil Rashid, Joe Root, Jason Roy, Ben Stokes, James Vince, Chris Woakes, Mark Wood
Quick pearls of wisdom
Focus on gratitude: And do so deeply, he says. “Think of one to three things a day that you’re grateful for. It needs to be specific, too, don’t just say ‘air.’ Really think about it. If you’re grateful for, say, what your parents have done for you, that will motivate you to do more for the world.”
Know how to fight: Shetty married his wife, Radhi, three years ago (he met her in a meditation class before he went off and became a monk). He says they’ve had to learn to respect each other’s “fighting styles” – he’s a talk it-out-immediately person, while she needs space to think. “When you’re having an argument, remember, it’s not you against each other. It’s both of you against the problem. When you win, they lose. If you’re on a team you have to win together.”
Classification of skills
A worker is categorised as skilled by the MOHRE based on nine levels given in the International Standard Classification of Occupations (ISCO) issued by the International Labour Organisation.
A skilled worker would be someone at a professional level (levels 1 – 5) which includes managers, professionals, technicians and associate professionals, clerical support workers, and service and sales workers.
The worker must also have an attested educational certificate higher than secondary or an equivalent certification, and earn a monthly salary of at least Dh4,000.
More from Rashmee Roshan Lall
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.”
Types of bank fraud
1) 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.
2) 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.
3) 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.
4) SIM swap
Fraudsters duplicate the SIM of your mobile number without your knowledge or authorisation, allowing them to conduct financial transactions with your bank.
5) 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.
6) 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.