Chelsea's manager Frank Lampard. AP
Chelsea's manager Frank Lampard. AP
Chelsea's manager Frank Lampard. AP
Chelsea's manager Frank Lampard. AP

Football

Chelsea return to Champions League battlefield with greater resources and resolve

Sevilla clash an opportunity to gauge true potential of Frank Lampard's team

Richard Jolly
Richard Jolly
Greater Manchester, England

October 20, 2020

  • English
  • Arabic

Chelsea's last taste of the Champions League underlined the gulf that has grown. A 4-1 defeat to Bayern Munich, and 7-1 on aggregate, may have appeared more respectable when Barcelona were then thrashed 8-2.

Chelsea, however, were outclassed before they were eliminated. “We had a heavy score,” reflected captain Cesar Azpilicueta. “We could see how they played; the intensity, the concentration. That is what it takes.”

It was an education for a young team. “A great marker in terms of the levels to be attained,” said Frank Lampard, who captained Chelsea to glory against Bayern in 2012. “It is a great platform to learn because in the Champions League you are playing against the best and we played against the best in Bayern Munich.”

Chelsea, in contrast, are Europe’s biggest, at least in terms of summer spending.

They return to continental competition against Sevilla, strengthened by some £220 million ($285m) of signings, spearheaded by Kai Havertz and Timo Werner, the scorers of three goals against Southampton on Saturday. "We have the quality and ability to fight for everything," added Azpilicueta.

Perhaps this is a barometer of progress, perhaps a chance to gauge expectations. Certainly it offers a flashback to Lampard’s inaugural Champions League campaign. It also commenced against Spanish opposition and Valencia won 1-0 at Stamford Bridge.

________________

Chelsea v Southampton ratings

CHELSEA RATINGS: Kepa Arrizabalaga - 4. Kepa hasn’t inspired confidence and it was no different today: two bad hesitations cost Chelsea dearly at Stamford Bridge, particularly Southampton’s second. AFP
CHELSEA RATINGS: Kepa Arrizabalaga - 4. Kepa hasn’t inspired confidence and it was no different today: two bad hesitations cost Chelsea dearly at Stamford Bridge, particularly Southampton’s second. AFP
Cesar Azpilicueta - 5. There’s a certain leadership to his game but Azpilicueta let himself down with some lethargic play in the second half, which led to some poor decision making. Struggled in one-on-one situations. AFP
Cesar Azpilicueta - 5. There’s a certain leadership to his game but Azpilicueta let himself down with some lethargic play in the second half, which led to some poor decision making. Struggled in one-on-one situations. AFP
Andreas Christensen - 5. Doesn’t give Chelsea the sort of commanding centre-back aura that they need to thrive in the race for the top four, and struggled to track the runs of Southampton’s front runners. Getty
Andreas Christensen - 5. Doesn’t give Chelsea the sort of commanding centre-back aura that they need to thrive in the race for the top four, and struggled to track the runs of Southampton’s front runners. Getty
Kurt Zouma - 4. Zouma started well but was poor after the break. His profligate passing and poor marking didn’t help Chelsea’s cause. PA
Kurt Zouma - 4. Zouma started well but was poor after the break. His profligate passing and poor marking didn’t help Chelsea’s cause. PA
Ben Chilwell - 6. Chilwell will prove a valuable asset on the basis of this performance. Like his teammates, he switched off at times defensively, but his distribution going forward, particularly when delivering the ball into the box, will make him a dream for Werner and co. AFP
Ben Chilwell - 6. Chilwell will prove a valuable asset on the basis of this performance. Like his teammates, he switched off at times defensively, but his distribution going forward, particularly when delivering the ball into the box, will make him a dream for Werner and co. AFP
N’Golo Kante — 6. The Frenchman looked assured in possession and won the ball as you would expect, but he seems to lack confidence these days and it clearly rubs off on those around the Frenchman. AFP
N’Golo Kante — 6. The Frenchman looked assured in possession and won the ball as you would expect, but he seems to lack confidence these days and it clearly rubs off on those around the Frenchman. AFP
Jorginho - 6. Has to communicate better with his teammates, although the way he picks out players with his distribution is dazzling at times. Struggled when Southampton put him under pressure. AFP
Jorginho - 6. Has to communicate better with his teammates, although the way he picks out players with his distribution is dazzling at times. Struggled when Southampton put him under pressure. AFP
Christian Pulisic — 6. The US international was a bit rusty on his first start, but there were glimpses of quality and his presence will be welcomed by Frank Lampard. AFP
Christian Pulisic — 6. The US international was a bit rusty on his first start, but there were glimpses of quality and his presence will be welcomed by Frank Lampard. AFP
Kai Havertz - 7. From his vision to his poise to his tap-in to make it 3-2 there was a lot to like for Havertz, although his perception needs work after he gave the ball away for Southampton’s first. EPA
Kai Havertz - 7. From his vision to his poise to his tap-in to make it 3-2 there was a lot to like for Havertz, although his perception needs work after he gave the ball away for Southampton’s first. EPA
Mason Mount - 6. A largely inconsequential game from Mount who was fairly average throughout the pitch. He lacked quality on the ball but his movement was impressive, which enabled others to seize the space. AFP
Mason Mount - 6. A largely inconsequential game from Mount who was fairly average throughout the pitch. He lacked quality on the ball but his movement was impressive, which enabled others to seize the space. AFP
Timo Werner - 9. Ran riot at times with an impeccable performance in the form of two goals and an assist. AFP
Timo Werner - 9. Ran riot at times with an impeccable performance in the form of two goals and an assist. AFP
SUBSTITUTES: Hakim Ziyech - N/A. Got stuck in and wanted to surge forward at every available opportunity but he couldn’t preserve Chelsea’s lead on his own. PA
SUBSTITUTES: Hakim Ziyech - N/A. Got stuck in and wanted to surge forward at every available opportunity but he couldn’t preserve Chelsea’s lead on his own. PA
Reece James - N/A. Couldn’t provide extra protection for Azpilicueta and wasn’t given enough time to fit into the system. PA
Reece James - N/A. Couldn’t provide extra protection for Azpilicueta and wasn’t given enough time to fit into the system. PA
Tammy Abraham - N/A. Failed to help kill the game off after being brought on for a late appearance. PA
Tammy Abraham - N/A. Failed to help kill the game off after being brought on for a late appearance. PA
SOUTHAMPTON RATINGS: Alex McCarthy - 5. Was caught out for the second Chelsea goal and really did look rattled whenever they came forward. Needs to work on his distribution, which put his defenders under pressure unnecessarily. AFP
SOUTHAMPTON RATINGS: Alex McCarthy - 5. Was caught out for the second Chelsea goal and really did look rattled whenever they came forward. Needs to work on his distribution, which put his defenders under pressure unnecessarily. AFP
Ryan Bertrand - 5. His delivery caused more issues as the game progressed but for the most part, he couldn’t break the Blues down. AFP
Ryan Bertrand - 5. His delivery caused more issues as the game progressed but for the most part, he couldn’t break the Blues down. AFP
Jannik Vestergaard - 7. The definition of a zero to hero performance after some rancid defending followed up by a vital header to equalise for the Saints. AFP
Jannik Vestergaard - 7. The definition of a zero to hero performance after some rancid defending followed up by a vital header to equalise for the Saints. AFP
Jan Bednarek - 5. It was a really poor showing from Bednarek as he never really seemed to settle into the game at Stamford Bridge. Time Werner gave him a tough afternoon. Reuters
Jan Bednarek - 5. It was a really poor showing from Bednarek as he never really seemed to settle into the game at Stamford Bridge. Time Werner gave him a tough afternoon. Reuters
Kyle Walker-Peters - 6. Struggled to unleash his creativity but did showcase some nice defensive timing. Southampton will be hoping he can offer more as an outlet. Reuters
Kyle Walker-Peters - 6. Struggled to unleash his creativity but did showcase some nice defensive timing. Southampton will be hoping he can offer more as an outlet. Reuters
Nathan Redmond - 5. Wasn’t able to drive his way into Chelsea’s final third in the manner he has done in other games. This was one of his quieter games. EPA
Nathan Redmond - 5. Wasn’t able to drive his way into Chelsea’s final third in the manner he has done in other games. This was one of his quieter games. EPA
Oriol Romeu - 8. Strong, sharp and efficient play from Romeu was capped off by a lovely assist for Southampton’s second goal. PA
Oriol Romeu - 8. Strong, sharp and efficient play from Romeu was capped off by a lovely assist for Southampton’s second goal. PA
James Ward-Prowse - 6. Grew in confidence as the afternoon progressed and never allowed his side’s heads to drop. Once he was able to get his foot on the ball he was able to make a difference. Getty
James Ward-Prowse - 6. Grew in confidence as the afternoon progressed and never allowed his side’s heads to drop. Once he was able to get his foot on the ball he was able to make a difference. Getty
Theo Walcott, 7 -- Was constantly active with delivery after delivery and that paid off with his assist for Vestergaard’s goal. AFP
Theo Walcott, 7 -- Was constantly active with delivery after delivery and that paid off with his assist for Vestergaard’s goal. AFP
Danny Ings - 7. Provided the Saints with an attacking outlet as he so often does and took his goal really well in the first half. As ever, was as effective creating chances as taking them. PA
Danny Ings - 7. Provided the Saints with an attacking outlet as he so often does and took his goal really well in the first half. As ever, was as effective creating chances as taking them. PA
Che Adams, 7 -- So often found himself in the right place in the right time which helped him to grab a vital equaliser after a handful of Chelsea errors. Grabbed an assist too in a productive afternoon. PA
Che Adams, 7 -- So often found himself in the right place in the right time which helped him to grab a vital equaliser after a handful of Chelsea errors. Grabbed an assist too in a productive afternoon. PA
Ibrahima Diallo, N/A -- Seemed to help piece things together and introduced a renewed confidence upon being introduced. Getty
Ibrahima Diallo, N/A -- Seemed to help piece things together and introduced a renewed confidence upon being introduced. Getty
Nathan Tella, N/A -- Worked incredibly hard when coming on and showed the sort of pace that will help Southampton thrive this season. Getty
Nathan Tella, N/A -- Worked incredibly hard when coming on and showed the sort of pace that will help Southampton thrive this season. Getty
Shane Long, N/A -- Forced the issue and asked a few questions of Chelsea late in the game. AFP
Shane Long, N/A -- Forced the issue and asked a few questions of Chelsea late in the game. AFP

________________

“Getting through the group was a good outcome after losing the first game,” said Lampard.

If Chelsea hope to ensure history does not repeat itself, a meeting of the last two Europa League champions offers a contrast: one a buying club, one a selling one. Sevilla have been great overachievers when they have ventured abroad whereas, over the last six seasons, Chelsea have not been, despite Maurizio Sarri’s 2018-19 triumph.

Last season these teams came fourth in England and Spain. Azpilicueta deflected questions about where Sevilla would finish in the Premier League but said: “We saw them beat Manchester United in the Europa League.”

Chelsea’s stuttering form does not offer optimism.

“We didn’t start the way we wanted in the Premier League,” Azpilicueta said. Chelsea have two 3-3 draws already this season. “We have to improve the defensive side and this is a problem we have to fix collectively and individually,” said right-back Azpilicueta.

“One day you can get away with it but you cannot rely every single game to score four goals. To have this solidity defensively is key moving forward.”

Lampard is all too aware of the damning figures, with 18 goals conceded in nine European matches on his watch, plus 63 in 43 in the Premier League. He chose to highlight other facts. “The other stat is we have conceded the second least shots in the Premier League behind Manchester City,” he said. “We don’t concede many shots but when we do, we concede goals.”

That, in turn, highlighted the shortage of saves from Chelsea’s goalkeepers. The summer recruit Edouard Mendy may yet resolve that issue but a thigh injury rules him out on Tuesday and Kepa Arrizabalaga conceded three times against Southampton on Saturday.

“Sometimes you feel everything goes against you,” said a more sympathetic Azpilicueta, but his compatriot will be in the spotlight again.

Lampard reflected back to Bayern: the missed chances at home, the four-minute double from Serge Gnabry to take the game away from him, the red card for Marcos Alonso and Jorginho’s needless booking to rule each out of the second leg.

The Champions League can be unforgiving. “Concentration and focus and discipline becomes even more important than at other levels of football,” he said. But Azpilicueta provided the rallying cry. He said: “We are Chelsea, we are at home and we have to be ready to compete.”

How to watch Ireland v Pakistan in UAE

When: The one-off Test starts on Friday, May 11
What time: Each day’s play is scheduled to start at 2pm UAE time.
TV: The match will be broadcast on OSN Sports Cricket HD. Subscribers to the channel can also stream the action live on OSN Play.

White hydrogen: Naturally occurring hydrogenChromite: Hard, metallic mineral containing iron oxide and chromium oxideUltramafic rocks: Dark-coloured rocks rich in magnesium or iron with very low silica contentOphiolite: A section of the earth’s crust, which is oceanic in nature that has since been uplifted and exposed on landOlivine: A commonly occurring magnesium iron silicate mineral that derives its name for its olive-green yellow-green colour

While you're here
Brief scores:

Liverpool 3

Mane 24', Shaqiri 73', 80'

Manchester United 1

Lingard 33'

Man of the Match: Fabinho (Liverpool)

SPEC%20SHEET%3A%20NOTHING%20PHONE%20(2A)
%3Cp%3E%3Cstrong%3EDisplay%3A%3C%2Fstrong%3E%206.7-inch%20flexible%20Amoled%2C%202%2C412%20x%201%2C080%2C%20394ppi%2C%20120Hz%2C%20Corning%20Gorilla%20Glass%205%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EProcessor%3A%3C%2Fstrong%3E%20MediaTek%20Dimensity%207%2C200%20Pro%2C%204nm%2C%20octa-core%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMemory%3A%3C%2Fstrong%3E%208%2F12GB%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ECapacity%3A%3C%2Fstrong%3E%20128%2F256GB%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EPlatform%3A%3C%2Fstrong%3E%20Android%2014%2C%20Nothing%20OS%202.5%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMain%20camera%3A%3C%2Fstrong%3E%20Dual%2050MP%20main%2C%20f%2F1.88%20%2B%2050MP%20ultra-wide%2C%20f%2F2.2%3B%20OIS%2C%20EIS%2C%20auto-focus%2C%20ultra%20XDR%2C%20night%20mode%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMain%20camera%20video%3A%3C%2Fstrong%3E%204K%20%40%2030fps%2C%20full-HD%20%40%2060fps%3B%20slo-mo%20full-HD%20at%20120fps%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFront%20camera%3A%3C%2Fstrong%3E%2032MP%20wide%2C%20f%2F2.2%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBattery%3A%3C%2Fstrong%3E%205%2C000mAh%3B%2050%25%20in%2030%20minutes%20with%2045-watt%20charger%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EConnectivity%3A%3C%2Fstrong%3E%20Wi-Fi%2C%20Bluetooth%205.3%2C%20NFC%20(Google%20Pay)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBiometrics%3A%3C%2Fstrong%3E%20Fingerprint%2C%20face%20unlock%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EI%2FO%3A%3C%2Fstrong%3E%20USB-C%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EDurability%3A%3C%2Fstrong%3E%20IP54%2C%20limited%20protection%20from%20water%2Fdust%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ECards%3A%3C%2Fstrong%3E%20Dual-nano%20SIM%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EColours%3A%3C%2Fstrong%3E%20Black%2C%20milk%2C%20white%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EIn%20the%20box%3A%3C%2Fstrong%3E%20Nothing%20Phone%20(2a)%2C%20USB-C-to-USB-C%20cable%2C%20pre-applied%20screen%20protector%2C%20Sim%20tray%20ejector%20tool%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EPrice%20(UAE)%3A%3C%2Fstrong%3E%20Dh1%2C199%20(8GB%2F128GB)%20%2F%20Dh1%2C399%20(12GB%2F256GB)%3C%2Fp%3E%0A
The%20Color%20Purple
%3Cp%3E%3Cstrong%3EDirector%3A%20%3C%2Fstrong%3EBlitz%20Bazawule%3Cbr%3E%3Cstrong%3EStarring%3A%20%3C%2Fstrong%3EFantasia%20Barrino%2C%20Taraji%20P%20Henson%2C%20Danielle%20Brooks%2C%20Colman%20Domingo%3Cbr%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%204%2F5%3C%2Fp%3E%0A
RESULT

Everton 2 Huddersfield Town 0
Everton: Sigurdsson (47'), Calvert-Lewin (73')

Man of the Match: Dominic Calvert-Lewin (Everton)

How much do leading UAE’s UK curriculum schools charge for Year 6?
  1. Nord Anglia International School (Dubai) – Dh85,032
  2. Kings School Al Barsha (Dubai) – Dh71,905
  3. Brighton College Abu Dhabi - Dh68,560
  4. Jumeirah English Speaking School (Dubai) – Dh59,728
  5. Gems Wellington International School – Dubai Branch – Dh58,488
  6. The British School Al Khubairat (Abu Dhabi) - Dh54,170
  7. Dubai English Speaking School – Dh51,269

*Annual tuition fees covering the 2024/2025 academic year

Real estate tokenisation project

Dubai launched the pilot phase of its real estate tokenisation project last month.

The initiative focuses on converting real estate assets into digital tokens recorded on blockchain technology and helps in streamlining the process of buying, selling and investing, the Dubai Land Department said.

Dubai’s real estate tokenisation market is projected to reach Dh60 billion ($16.33 billion) by 2033, representing 7 per cent of the emirate’s total property transactions, according to the DLD.

The%20stats%20and%20facts
%3Cp%3E1.9%20million%20women%20are%20at%20risk%20of%20developing%20cervical%20cancer%20in%20the%20UAE%3C%2Fp%3E%0A%3Cp%3E80%25%20of%20people%2C%20females%20and%20males%2C%20will%20get%20human%20papillomavirus%20(HPV)%20once%20in%20their%20lifetime%3C%2Fp%3E%0A%3Cp%3EOut%20of%20more%20than%20100%20types%20of%20HPV%2C%2014%20strains%20are%20cancer-causing%3C%2Fp%3E%0A%3Cp%3E99.9%25%20of%20cervical%20cancers%20are%20caused%20by%20the%20virus%3C%2Fp%3E%0A%3Cp%3EA%20five-year%20survival%20rate%20of%20close%20to%2096%25%20can%20be%20achieved%20with%20regular%20screenings%20for%20cervical%20cancer%20detection%3C%2Fp%3E%0A%3Cp%3EWomen%20aged%2025%20to%2029%20should%20get%20a%20Pap%20smear%20every%20three%20years%3C%2Fp%3E%0A%3Cp%3EWomen%20aged%2030%20to%2065%20should%20do%20a%20Pap%20smear%20and%20HPV%20test%20every%20five%20years%3C%2Fp%3E%0A%3Cp%3EChildren%20aged%2013%20and%20above%20should%20get%20the%20HPV%20vaccine%3C%2Fp%3E%0A
Volunteers offer workers a lifeline

Community volunteers have swung into action delivering food packages and toiletries to the men.

When provisions are distributed, the men line up in long queues for packets of rice, flour, sugar, salt, pulses, milk, biscuits, shaving kits, soap and telecom cards.

Volunteers from St Mary’s Catholic Church said some workers came to the church to pray for their families and ask for assistance.

Boxes packed with essential food items were distributed to workers in the Dubai Investments Park and Ras Al Khaimah camps last week. Workers at the Sonapur camp asked for Dh1,600 towards their gas bill.

“Especially in this year of tolerance we consider ourselves privileged to be able to lend a helping hand to our needy brothers in the Actco camp," Father Lennie Connully, parish priest of St Mary’s.

Workers spoke of their helplessness, seeing children’s marriages cancelled because of lack of money going home. Others told of their misery of being unable to return home when a parent died.

“More than daily food, they are worried about not sending money home for their family,” said Kusum Dutta, a volunteer who works with the Indian consulate.

Mohammed bin Zayed Majlis
Killing of Qassem Suleimani
How The Debt Panel's advice helped readers in 2019

December 11: 'My husband died, so what happens to the Dh240,000 he owes in the UAE?'

JL, a housewife from India, wrote to us about her husband, who died earlier this month. He left behind an outstanding loan of Dh240,000 and she was hoping to pay it off with an insurance policy he had taken out. She also wanted to recover some of her husband’s end-of-service liabilities to help support her and her son.

“I have no words to thank you for helping me out,” she wrote to The Debt Panel after receiving the panellists' comments. “The advice has given me an idea of the present status of the loan and how to take it up further. I will draft a letter and send it to the email ID on the bank’s website along with the death certificate. I hope and pray to find a way out of this.”

November 26:  ‘I owe Dh100,000 because my employer has not paid me for a year’

SL, a financial services employee from India, left the UAE in June after quitting his job because his employer had not paid him since November 2018. He owes Dh103,800 on four debts and was told by the panellists he may be able to use the insolvency law to solve his issue. 

SL thanked the panellists for their efforts. "Indeed, I have some clarity on the consequence of the case and the next steps to take regarding my situation," he says. "Hopefully, I will be able to provide a positive testimony soon."

October 15: 'I lost my job and left the UAE owing Dh71,000. Can I return?'

MS, an energy sector employee from South Africa, left the UAE in August after losing his Dh12,000 job. He was struggling to meet the repayments while securing a new position in the UAE and feared he would be detained if he returned. He has now secured a new job and will return to the Emirates this month.

“The insolvency law is indeed a relief to hear,” he says. "I will not apply for insolvency at this stage. I have been able to pay something towards my loan and credit card. As it stands, I only have a one-month deficit, which I will be able to recover by the end of December." 

The Bio

Favourite vegetable: “I really like the taste of the beetroot, the potatoes and the eggplant we are producing.”

Holiday destination: “I like Paris very much, it’s a city very close to my heart.”

Book: “Das Kapital, by Karl Marx. I am not a communist, but there are a lot of lessons for the capitalist system, if you let it get out of control, and humanity.”

Musician: “I like very much Fairuz, the Lebanese singer, and the other is Umm Kulthum. Fairuz is for listening to in the morning, Umm Kulthum for the night.”

Company%C2%A0profile
%3Cp%3E%3Cstrong%3ECompany%20name%3A%20%3C%2Fstrong%3EHayvn%3Cbr%3E%3Cstrong%3EStarted%3A%20%3C%2Fstrong%3E2018%3Cbr%3E%3Cstrong%3EFounders%3A%20%3C%2Fstrong%3EChristopher%20Flinos%2C%20Ahmed%20Ismail%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EAbu%20Dhabi%2C%20UAE%3Cbr%3E%3Cstrong%3ESector%3A%20%3C%2Fstrong%3Efinancial%3Cbr%3E%3Cstrong%3EInitial%20investment%3A%20%3C%2Fstrong%3Eundisclosed%3Cbr%3E%3Cstrong%3ESize%3A%3C%2Fstrong%3E%2044%20employees%3Cbr%3E%3Cstrong%3EInvestment%20stage%3A%20%3C%2Fstrong%3Eseries%20B%20in%20the%20second%20half%20of%202023%3Cbr%3E%3Cstrong%3EInvestors%3A%20%3C%2Fstrong%3EHilbert%20Capital%2C%20Red%20Acre%20Ventures%3C%2Fp%3E%0A
KILLING OF QASSEM SULEIMANI
How much of your income do you need to save?

The more you save, the sooner you can retire. Tuan Phan, a board member of SimplyFI.com, says if you save just 5 per cent of your salary, you can expect to work for another 66 years before you are able to retire without too large a drop in income.

In other words, you will not save enough to retire comfortably. If you save 15 per cent, you can forward to another 43 working years. Up that to 40 per cent of your income, and your remaining working life drops to just 22 years. (see table)

Obviously, this is only a rough guide. How much you save will depend on variables, not least your salary and how much you already have in your pension pot. But it shows what you need to do to achieve financial independence.

 

Kareem Shaheen on Canada
MATCH INFO

Uefa Champioons League semi-final:

First leg: Liverpool 5 Roma 2

Second leg: Wednesday, May 2, Stadio Olimpico, Rome

TV: BeIN Sports, 10.45pm (UAE)

MATCH INFO

Uefa Champioons League semi-final, first leg:

Liverpool 5
Salah (35', 45 1'), Mane (56'), Firmino (61', 68')

Roma 2
Dzeko (81'), Perotti (85' pen)

Second leg: May 2, Stadio Olimpico, Rome

'Falling%20for%20Christmas'
%3Cp%3EDirector%3A%20Janeen%20Damian%3Cbr%3E%3Cbr%3EStars%3A%20Lindsay%20Lohan%2C%20Chord%20Overstreet%2C%20Jack%20Wagner%2C%20Aliana%20Lohan%3Cbr%3E%3Cbr%3ERating%3A%201%2F5%3C%2Fp%3E%0A
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

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