Liverpool manager Jurgen Klopp is confident better things are just around the corner after his Anfield debut fell a touch flat.
A 1-1 Europa League Group B draw against 10-man Rubin Kazan was not the way he would have wanted to announce himself to the home fans.
But the German sees room for improvement and is ready for the challenge of extracting more from his players.
“When you come for the first time in a new house, normally you have a present,” he said.
“I am not quite satisfied with my present tonight but it was only the first time and I will come again.
“It was not a masterclass but it is not the worst day in my life.
“I would say 98 per cent was okay, not perfect, the other two per cent, that is the problem of this game.”
A third successive 1-1 draw leaves Liverpool in second place but four points behind group leaders FC Sion.
However, that gap does not concern Klopp too much as he prepares for the team’s trip to Russia in a couple of weeks.
“Sion won their game and they are away in the group. We can come back in Kazan. That is the next challenge,” he added.
Marko Devic scored a surprise opener for the visitors, who are fifth bottom in the Russian Premier League, but after captain Oleg Kuzmin was sent off for a second bookable offence Emre Can equalised via the resulting free-kick.
Liverpool should have pressed home their numerical advantage but the closest they came to a winner was when substitute Christian Benteke’s shot hit a post.
“Sometimes it is a big advantage against 10 men, most of the time they stop playing football and defend in a compact block,” said Klopp.
“We had our moments and hit the post through Christian but at the end no goal.”
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ETFs explained
Exhchange traded funds are bought and sold like shares, but operate as index-tracking funds, passively following their chosen indices, such as the S&P 500, FTSE 100 and the FTSE All World, plus a vast range of smaller exchanges and commodities, such as gold, silver, copper sugar, coffee and oil.
ETFs have zero upfront fees and annual charges as low as 0.07 per cent a year, which means you get to keep more of your returns, as actively managed funds can charge as much as 1.5 per cent a year.
There are thousands to choose from, with the five biggest providers BlackRock’s iShares range, Vanguard, State Street Global Advisors SPDR ETFs, Deutsche Bank AWM X-trackers and Invesco PowerShares.
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The Buckingham Murders
Starring: Kareena Kapoor Khan, Ash Tandon, Prabhleen Sandhu
Director: Hansal Mehta
Rating: 4 / 5
Tips for newlyweds to better manage finances
All couples are unique and have to create a financial blueprint that is most suitable for their relationship, says Vijay Valecha, chief investment officer at Century Financial. He offers his top five tips for couples to better manage their finances.
Discuss your assets and debts: When married, it’s important to understand each other’s personal financial situation. It’s necessary to know upfront what each party brings to the table, as debts and assets affect spending habits and joint loan qualifications. Discussing all aspects of their finances as a couple prevents anyone from being blindsided later.
Decide on the financial/saving goals: Spouses should independently list their top goals and share their lists with one another to shape a joint plan. Writing down clear goals will help them determine how much to save each month, how much to put aside for short-term goals, and how they will reach their long-term financial goals.
Set a budget: A budget can keep the couple be mindful of their income and expenses. With a monthly budget, couples will know exactly how much they can spend in a category each month, how much they have to work with and what spending areas need to be evaluated.
Decide who manages what: When it comes to handling finances, it’s a good idea to decide who manages what. For example, one person might take on the day-to-day bills, while the other tackles long-term investments and retirement plans.
Money date nights: Talking about money should be a healthy, ongoing conversation and couples should not wait for something to go wrong. They should set time aside every month to talk about future financial decisions and see the progress they’ve made together towards accomplishing their goals.
