Jose Mourinho left Eden Hazard out of Chelsea on Wednesday night. Tal Cohen / EPA
Jose Mourinho left Eden Hazard out of Chelsea on Wednesday night. Tal Cohen / EPA

Mourinho ‘educates’ Hazard with Schalke omission



LONDON // Chelsea manager Jose Mourinho was evasive when asked why attacking midfielder Eden Hazard had been omitted from his squad for the 3-0 win over Schalke in the Champions League.

The 22 year old Belgium international has found form in recent weeks, but he watched from the stands at Stamford Bridge on Wednesday as Chelsea closed to within a point of the last 16.

Mourinho revealed prior to kick-off that Hazard had “missed a crucial training session”, but he replied enigmatically when pressed to explain what had happened in his post-match press conference.

Hazard was in France to watch former club Lille play Monaco on Sunday evening and there are suggestions that he returned late the following day, but Mourinho said he still expected him to feature in Saturday’s Premier League game at home to West Bromwich Albion.

“I don’t want to lie. He’s not injured,” Mourinho told reporters.

Asked why Hazard had missed training, Mourinho suggested: “He forgot the time?”

He then added: “Let’s end the story. He’s a kid, kids make mistakes. And fathers have to be clever in the way they educate their sons.

“He didn’t play. He wanted to play, he’s sad because he didn’t play. We won without him and Saturday he’s back, so no story, or end of story.”

Mourinho also paid tribute to Samuel Eto’o, who scored Chelsea’s first two goals.

The Cameroon striker charged down a kick from dawdling Schalke goalkeeper Timo Hildebrand to break the deadlock and added a second before substitute Demba Ba completed the scoring.

The victory, Chelsea’s 100th in UEFA competition, left Mourinho’s side three points clear at the top of Group E and needing just a draw from their penultimate game away to Basel to reach the last 16.

Eto’o has had a slow start to life at Chelsea since signing from Anzhi Makhachkala, but Mourinho believes he is now finding his feet.

“He was for two years playing without big motivations and when you play without big motivations, you train without big motivations, and you lose condition and you lose sharpness and you lose even appetite,” said the Portuguese.

“So it was not a surprise for me that he arrived here not in the best condition after two years in Anzhi. Now, step by step, he’s going.

“He’s 32, but naturally he’s a fit, slim guy; he’s not a heavy body. He’s intelligent, of course, and I think goals give confidence.”

Eto’o has been presented an opportunity by an adductor muscle injury suffered by Fernando Torres, but Mourinho said he expected to have the Spaniard available again after the international break.

“We hope that’s he back after the national teams, but of course no chance for this weekend and still a doubt to be back after,” he said.

“So it’s two or three weeks, muscular injury. Not the biggest one, but two, three weeks.”

Schalke coach Jens Keller defended Hildebrand over his mistake and pointed to his impressive recent displays in the 3-1 defeat by Borussia Dortmund and the 2-0 win at Hertha Berlin.

“What can you do about that?” Keller said.

“Apart from that one mistake, he played really well and he played really well in Berlin and against Dortmund. He’s 34, he knows what he’s done, it won’t bring him down and hopefully he’ll improve.”

Keller also revealed that attacking midfielders Julian Draxler and Kevin-Prince Boateng would have to be assessed by the club’s medical staff after both sustained knocks during the game.

Score

Third Test, Day 1

New Zealand 229-7 (90 ov)
Pakistan

New Zealand won the toss and elected to bat

Moon Music

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Rating: 3/5

COMPANY%20PROFILE
%3Cp%3E%3Cstrong%3ECompany%3A%3C%2Fstrong%3E%20Eco%20Way%3Cbr%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%20December%202023%3Cbr%3E%3Cstrong%3EFounder%3A%3C%2Fstrong%3E%20Ivan%20Kroshnyi%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%2C%20UAE%3Cbr%3E%3Cstrong%3EIndustry%3A%3C%2Fstrong%3E%20Electric%20vehicles%3Cbr%3E%3Cstrong%3EInvestors%3A%3C%2Fstrong%3E%20Bootstrapped%20with%20undisclosed%20funding.%20Looking%20to%20raise%20funds%20from%20outside%3Cbr%3E%3C%2Fp%3E%0A
How to protect yourself when air quality drops

Install an air filter in your home.

Close your windows and turn on the AC.

Shower or bath after being outside.

Wear a face mask.

Stay indoors when conditions are particularly poor.

If driving, turn your engine off when stationary.

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COMPANY PROFILE
Name: ARDH Collective
Based: Dubai
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Sector: Sustainability
Total funding: Self funded
Number of employees: 4
Company%20Profile
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The%20specs
%3Cp%3E%3Cstrong%3EEngine%3A%3C%2Fstrong%3E%203.9-litre%20twin-turbo%20V8%3Cbr%3E%3Cstrong%3EPower%3A%20%3C%2Fstrong%3E620hp%20from%205%2C750-7%2C500rpm%3Cbr%3E%3Cstrong%3ETorque%3A%20%3C%2Fstrong%3E760Nm%20from%203%2C000-5%2C750rpm%3Cbr%3E%3Cstrong%3ETransmission%3A%20%3C%2Fstrong%3EEight-speed%20dual-clutch%20auto%3Cbr%3E%3Cstrong%3EOn%20sale%3A%20%3C%2Fstrong%3ENow%3Cbr%3E%3Cstrong%3EPrice%3A%20%3C%2Fstrong%3EFrom%20Dh1.05%20million%20(%24286%2C000)%3C%2Fp%3E%0A
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.

Your rights as an employee

The government has taken an increasingly tough line against companies that fail to pay employees on time. Three years ago, the Cabinet passed a decree allowing the government to halt the granting of work permits to companies with wage backlogs.

The new measures passed by the Cabinet in 2016 were an update to the Wage Protection System, which is in place to track whether a company pays its employees on time or not.

If wages are 10 days late, the new measures kick in and the company is alerted it is in breach of labour rules. If wages remain unpaid for a total of 16 days, the authorities can cancel work permits, effectively shutting off operations. Fines of up to Dh5,000 per unpaid employee follow after 60 days.

Despite those measures, late payments remain an issue, particularly in the construction sector. Smaller contractors, such as electrical, plumbing and fit-out businesses, often blame the bigger companies that hire them for wages being late.

The authorities have urged employees to report their companies at the labour ministry or Tawafuq service centres — there are 15 in Abu Dhabi.

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