Cardiff slumped to a 3-0 Championship play-off semi-final loss against Reading on Tuesday. Stu Forster / Getty Images
Cardiff slumped to a 3-0 Championship play-off semi-final loss against Reading on Tuesday. Stu Forster / Getty Images
Cardiff slumped to a 3-0 Championship play-off semi-final loss against Reading on Tuesday. Stu Forster / Getty Images
Cardiff slumped to a 3-0 Championship play-off semi-final loss against Reading on Tuesday. Stu Forster / Getty Images

Party hard and pay the price


  • English
  • Arabic

Football players have always enjoyed nightlife, but you can have too much of a bad thing, especially as an athlete

Cardiff City and Birmingham City players have both been criticised recently for having a late night out during critical stages in the football season.

Cardiff were chasing promotion to the Premier League and the riches that go with it, Birmingham fighting relegation from it. Staying out until 4am is not going to do either cause any good and it's disrespectful to the fans.

The players have rightly been criticised, but let me take you inside the mind of a professional footballer.

You spend more nights in a hotel away from your family than you do at home. Home is often not a home, either. Players can be in a rented apartment hundreds or thousands of miles from their families.

It's tough being in hotels 10 months of the year, tough being away at Christmas and for your kids' birthdays. You become like a permanent traveller journeying from game to game, hotel to hotel with the same people day after day.

Frustrations arise - and not just from having BBC News on 24/7. Play for a big club, where you are well-known, and it's not like you can walk the streets either.

Combine that with the fact that top players are rich, famous and in their physical prime. They lead a privileged life, but it's regimented and that can cause frustration.

Free time is rare during the season and boredom frequently kicks in during those long spells away in hotels. Players can only watch so many DVDs or play so many computer games. You are only training for a couple of hours a day and days need filling, so players - especially young single players - look for an escape and there's no shortage of temptations. Dwight Yorke sometimes smuggled girls into the Manchester United hotel the night before matches. It was comical and gave the other lads something to talk about.

Dwight's method is happening more now because in days gone by players would turn to alcohol rather than women.

They would drink too much - sometimes for team bonding - but that culture had started to die out by the time I was playing. I was left with the stories of heavy drinkers from the 1970s and 1980s.

They wouldn't have got away with it in the 1990s or 2000s, though I once saw Newcastle players smuggle hip flasks on a long Christmas trip to Norwich, and Tottenham Hotspur players recently felt the wrath of their management for overindulging on a night out.

Alcohol damages the body of a professional athlete. Drink and you don't play. I knew the England and Nottingham Forest defender Des Walker well. He would go out every Wednesday and Thursday for a few beers. He probably wouldn't get away with it now, but he was still consistently the team's best player.

Even when you do have free time, going out has its risks. You could sip nothing stronger than water in a bar and it would be reported that you'd been drinking until 4am.

While at Newcastle, Patrick Kluivert would frequent bars to escape boredom. Humans are social beings after all. Patrick didn't drink, yet because he was seen out so often he was labelled a party animal and that went against him.

A record transfer fee meant that there was so much pressure on me to perform that I ended up living like a hermit and hardly going out. It just wasn't worth it.

Fans used to ask for autographs, but that changed to photos with camera phones.

Those photos, given in good faith, can find their way into newspapers or on to the internet. News of Birmingham's 4am finish got out because the wife of a player put it on her Twitter account. I bet he was popular in the dressing room.

Some players turn to gambling to kill the time. I've seen lads lose absolute fortunes at cards. Again, I avoided it. My dad is a Caribbean card shark. I learnt early how not to fall victim to other card sharks, yet when I played for England I routinely saw players write out cheques for £15,000 (Dh89,100) to pay for gambling debts. I saw a player run up even bigger debts on one trip.

"Don't give me the money," said the player who was owed the money. "Buy me a watch instead."

The watch he suggested cost the equivalent of the debt: £45,000. I'm not sure whether it was bravado, a form of boasting by players who earned so much money that they could afford to lose astronomical amounts, but it became a serious problem for some.

Managers often turned a blind eye as they had enough on their plate. And if the boys went out once in a while it wasn't a problem - until the newspapers got hold of it.

Andrew Cole's column is written with the assistance of European football correspondent Andy Mitten

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Dhadak 2

Director: Shazia Iqbal

Starring: Siddhant Chaturvedi, Triptii Dimri 

Rating: 1/5

Most sought after workplace benefits in the UAE
  • Flexible work arrangements
  • Pension support
  • Mental well-being assistance
  • Insurance coverage for optical, dental, alternative medicine, cancer screening
  • Financial well-being incentives 
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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.”

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.

How to apply for a drone permit
  • Individuals must register on UAE Drone app or website using their UAE Pass
  • Add all their personal details, including name, nationality, passport number, Emiratis ID, email and phone number
  • Upload the training certificate from a centre accredited by the GCAA
  • Submit their request
What are the regulations?
  • Fly it within visual line of sight
  • Never over populated areas
  • Ensure maximum flying height of 400 feet (122 metres) above ground level is not crossed
  • Users must avoid flying over restricted areas listed on the UAE Drone app
  • Only fly the drone during the day, and never at night
  • Should have a live feed of the drone flight
  • Drones must weigh 5 kg or less
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Why it pays to compare

A comparison of sending Dh20,000 from the UAE using two different routes at the same time - the first direct from a UAE bank to a bank in Germany, and the second from the same UAE bank via an online platform to Germany - found key differences in cost and speed. The transfers were both initiated on January 30.

Route 1: bank transfer

The UAE bank charged Dh152.25 for the Dh20,000 transfer. On top of that, their exchange rate margin added a difference of around Dh415, compared with the mid-market rate.

Total cost: Dh567.25 - around 2.9 per cent of the total amount

Total received: €4,670.30 

Route 2: online platform

The UAE bank’s charge for sending Dh20,000 to a UK dirham-denominated account was Dh2.10. The exchange rate margin cost was Dh60, plus a Dh12 fee.

Total cost: Dh74.10, around 0.4 per cent of the transaction

Total received: €4,756

The UAE bank transfer was far quicker – around two to three working days, while the online platform took around four to five days, but was considerably cheaper. In the online platform transfer, the funds were also exposed to currency risk during the period it took for them to arrive.

What is Reform?

Reform is a right-wing, populist party led by Nigel Farage, a former MEP who won a seat in the House of Commons last year at his eighth attempt and a prominent figure in the campaign for the UK to leave the European Union.

It was founded in 2018 and originally called the Brexit Party.

Many of its members previously belonged to UKIP or the mainstream Conservatives.

After Brexit took place, the party focused on the reformation of British democracy.

Former Tory deputy chairman Lee Anderson became its first MP after defecting in March 2024.

The party gained support from Elon Musk, and had hoped the tech billionaire would make a £100m donation. However, Mr Musk changed his mind and called for Mr Farage to step down as leader in a row involving the US tycoon's support for far-right figurehead Tommy Robinson who is in prison for contempt of court.

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.

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Desert Warrior

Starring: Anthony Mackie, Aiysha Hart, Ben Kingsley

Director: Rupert Wyatt

Rating: 3/5

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BEETLEJUICE BEETLEJUICE

Starring: Winona Ryder, Michael Keaton, Jenny Ortega

Director: Tim Burton

Rating: 3/5

What the law says

Micro-retirement is not a recognised concept or employment status under Federal Decree Law No. 33 of 2021 on the Regulation of Labour Relations (as amended) (UAE Labour Law). As such, it reflects a voluntary work-life balance practice, rather than a recognised legal employment category, according to Dilini Loku, senior associate for law firm Gateley Middle East.

“Some companies may offer formal sabbatical policies or career break programmes; however, beyond such arrangements, there is no automatic right or statutory entitlement to extended breaks,” she explains.

“Any leave taken beyond statutory entitlements, such as annual leave, is typically regarded as unpaid leave in accordance with Article 33 of the UAE Labour Law. While employees may legally take unpaid leave, such requests are subject to the employer’s discretion and require approval.”

If an employee resigns to pursue micro-retirement, the employment contract is terminated, and the employer is under no legal obligation to rehire the employee in the future unless specific contractual agreements are in place (such as return-to-work arrangements), which are generally uncommon, Ms Loku adds.

Henrik Stenson's finishes at Abu Dhabi HSBC Championship:

2006 - 2
2007 - 8
2008 - 2
2009 - MC
2010 - 21
2011 - 42
2012 - MC
2013 - 23
2014 - MC
2015 - MC
2016 - 3
2017 - 8

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TEACHERS' PAY - WHAT YOU NEED TO KNOW

Pay varies significantly depending on the school, its rating and the curriculum. Here's a rough guide as of January 2021:

- top end schools tend to pay Dh16,000-17,000 a month - plus a monthly housing allowance of up to Dh6,000. These tend to be British curriculum schools rated 'outstanding' or 'very good', followed by American schools

- average salary across curriculums and skill levels is about Dh10,000, recruiters say

- it is becoming more common for schools to provide accommodation, sometimes in an apartment block with other teachers, rather than hand teachers a cash housing allowance

- some strong performing schools have cut back on salaries since the pandemic began, sometimes offering Dh16,000 including the housing allowance, which reflects the slump in rental costs, and sheer demand for jobs

- maths and science teachers are most in demand and some schools will pay up to Dh3,000 more than other teachers in recognition of their technical skills

- at the other end of the market, teachers in some Indian schools, where fees are lower and competition among applicants is intense, can be paid as low as Dh3,000 per month

- in Indian schools, it has also become common for teachers to share residential accommodation, living in a block with colleagues

What is tokenisation?

Tokenisation refers to the issuance of a blockchain token, which represents a virtually tradable real, tangible asset. A tokenised asset is easily transferable, offers good liquidity, returns and is easily traded on the secondary markets. 

UAE currency: the story behind the money in your pockets
Islamophobia definition

A widely accepted definition was made by the All Party Parliamentary Group on British Muslims in 2019: “Islamophobia is rooted in racism and is a type of racism that targets expressions of Muslimness or perceived Muslimness.” It further defines it as “inciting hatred or violence against Muslims”.