Chelsea manager Jose Mourinho looks on ahead of the pre season friendly match between Wycombe Wanderers and Chelsea at Adams Park on July 16, 2014 in High Wycombe, England. Ben Hoskins/Getty Images
Chelsea manager Jose Mourinho looks on ahead of the pre season friendly match between Wycombe Wanderers and Chelsea at Adams Park on July 16, 2014 in High Wycombe, England. Ben Hoskins/Getty Images

Chelsea manager Jose Mourinho expects tough title fight in English Premier League



Manager Jose Mourinho is confident Chelsea have assembled a squad capable of winning the English Premier League next season – but also knows any of the title hopefuls could also easily end up fifth.

The Blues have moved quickly in the summer transfer market, bringing in Cesc Fabregas before the World Cup, and have since added fellow Spaniard Diego Costa and also defender Filipe Luis from Atletico Madrid, as well as promising 19-year-old midfielder Mario Pasalic from Hajduk Split.

Mourinho, however, understands all too well each of the other leading sides have also strengthened their armoury, while Manchester United are expected to recover and challenge again under new manager Luis van Gaal.

“Last year, if you had asked me in July, I would never have said Man United would be outside the top four. This season I will tell you one (to miss out) and I have a big percentage of making a mistake,” said Mourinho, who is an ambassador and pundit for BT Sport next season and took part in a Q&A session at BT Tower in central London on Friday night.

“There were good teams last season and there will be better teams this season because everyone is investing.

“A few years ago you make a team to be champions and most probably you are champions. Now if you make a team to be champions, you try to finish in the top four.”

Mourinho added: “Why I like the Premier League so much is that at this moment, nobody knows who is going to win the title.

“I know that we want to and I know that we can, but it is the kind of competition where I can’t say.

“At this moment, I think between us, Liverpool, Arsenal, Man United, Man City - who is going to be first, who is going to play in the Europa League, I don’t know.”

Mourinho maintains it took him only 20 minutes to convince Fabregas to sign from Barcelona - and reckons the former Arsenal captain never wanted to move back to his old club.

Arsenal had first option to bring Fabregas back to the club he left in 2011, which manager Arsene Wenger passed up as he pursued other targets.

Mourinho, though, feels Stamford Bridge was always the midfielder’s preferred destination.

“I spoke with him 20 minutes. I think he really wanted to come to us,” he said.

“As you know, Arsenal had an option where they could interfere, but I think he was not open to that, I think he was very, very much in our direction, so it was an easy job for me.”

Mourinho indicated the Blues’ chequebook was now closed.

“I have to say my club did a fantastic job, and not just because of what we bought, but because we did it in almost record time. The transfer market closes 31 August and we close our market on July 19. We finished the market today,” he said.

“The club did fantastic, we knew the targets, we knew the players and the club attacked them and their clubs at a very early stage.

“We got exactly what we need and what we want. The squad is one which I like very much and I look forward to starting the season.”

Mourinho added: “I don’t think so (sign any more players). The market is open, but we are so happy with what we have.”

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Greatest of All Time
Starring: Vijay, Sneha, Prashanth, Prabhu Deva, Mohan
Director: Venkat Prabhu
Rating: 2/5
J%20Street%20Polling%20Results
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Key products and UAE prices

iPhone XS
With a 5.8-inch screen, it will be an advance version of the iPhone X. It will be dual sim and comes with better battery life, a faster processor and better camera. A new gold colour will be available.
Price: Dh4,229

iPhone XS Max
It is expected to be a grander version of the iPhone X with a 6.5-inch screen; an inch bigger than the screen of the iPhone 8 Plus.
Price: Dh4,649

iPhone XR
A low-cost version of the iPhone X with a 6.1-inch screen, it is expected to attract mass attention. According to industry experts, it is likely to have aluminium edges instead of stainless steel.
Price: Dh3,179

Apple Watch Series 4
More comprehensive health device with edge-to-edge displays that are more than 30 per cent bigger than displays on current models.

Company%20profile%20
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Specs – Taycan 4S
Engine: Electric

Transmission: 2-speed auto

Power: 571bhp

Torque: 650Nm

Price: Dh431,800

Specs – Panamera
Engine: 3-litre V6 with 100kW electric motor

Transmission: 2-speed auto

Power: 455bhp

Torque: 700Nm

Price: from Dh431,800

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.

Gorillaz 
The Now Now 

The specs
Engine: 77.4kW all-wheel-drive dual motor
Power: 320bhp
Torque: 605Nm
Transmission: Single-speed automatic
Price: From Dh219,000
On sale: Now
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The specs
Engine: Long-range single or dual motor with 200kW or 400kW battery
Power: 268bhp / 536bhp
Torque: 343Nm / 686Nm
Transmission: Single-speed automatic
Max touring range: 620km / 590km
Price: From Dh250,000 (estimated)
On sale: Later this year
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COMPANY%20PROFILE%20
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The Buckingham Murders

Starring: Kareena Kapoor Khan, Ash Tandon, Prabhleen Sandhu

Director: Hansal Mehta

Rating: 4 / 5

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The Penguin

Starring: Colin Farrell, Cristin Milioti, Rhenzy Feliz

Creator: Lauren LeFranc

Rating: 4/5

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The%20Woman%20King%20
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The specs

Engine: 2.0-litre four-cylinder turbo

Power: 268hp at 5,600rpm

Torque: 380Nm at 4,800rpm

Transmission: CVT auto

Fuel consumption: 9.5L/100km

On sale: now

Price: from Dh195,000 

Company%20Profile
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The%20Specs
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MATCH INFO

Uefa Champions League last-16, second leg:

Real Madrid 1 (Asensio 70'), Ajax 4 (Ziyech 7', Neres 18', Tadic 62', Schone 72')

Ajax win 5-3 on aggregate


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