Aspiring savers have long sought guidance by turning to professional advisers to curate their future wealth planning. But plenty have also peppered the journey to financial literacy through the shared wisdom of the written word.
Numerous relevant book titles are out there, seeking to inform and coach those coveting more fiscal freedom and a self-driven strategy of money management.
Among those regularly featuring on the reading list of UAE residents are jargon-busting books by Andrew Hallam, the high school teacher who built himself a million-dollar portfolio.
His down-to-earth tome Millionaire Expat: How To Build Wealth Living Overseas, the follow-up to previous releases The Global Expatriate’s Guide To Investing and Millionaire Teacher, continues to be a bestseller.
Many retail investors drawn to stock market activity cite the index fund enthusiasm of Taylor Larimore’s brief but informative The Bogleheads’ Guide to the Three-Fund Portfolio, based on the philosophy of investor and Vanguard Group founder Jack Bogle.
Andrew Henderson’s direct if sprawlingly-titled Nomad Capitalist: How To Reclaim Your Freedom with Offshore Bank Accounts, Dual Citizenship, Foreign Companies and Overseas Investments is also a big hit.
So what pages have those in the business of creating revenue or guiding others to do better turned while seeking inspiration?
The National asked four UAE-based entrepreneurs and mentors about the authors and literary efforts that have helped to mould and guide their attitude towards wealth creation and cash management.
Hanane Benkhallouk, 45, is an entrepreneur, executive director of Sustain Leadership Consultancy, and founder of Tawazoun, a collaborative think tank that engages men and women in the discussion of how we can advance the gender balance agenda.
She read Rich Dad, Poor Dad by Robert Kiyosaki in 2002 as a new MBA graduate in New York City while “trying to figure out the right career path to financial success”.
“The book was just a few years old, it was making headlines,” Ms Benkhallouk says.
“Its principles resonated with me as I knew since an early age that I wasn’t aspiring for a lifetime career that involves working hard until retirement to only make ends meet.”
Everyone should be financially literate enough to plan to have money work for them, instead of eternally working for money
Hanane Benkhallouk,
entrepreneur in Dubai
The lesson from the book for her wasn’t so much about learning how to be “rich”, but understanding that there is a difference between being broke and poor, says Ms Benkhallouk, a Moroccan-American living in Dubai.
“We can be temporarily broke, but being broke could be eternal because it is about the relationship you have with money, meaning it is not about how much you make, but how much you keep,” she says.
“I also learned that everyone should be financially literate enough to plan to have money work for them, instead of eternally working for money.
“Those principles accelerated my quest towards entrepreneurship and set a foundation for me at an early stage to believe in diversification of sources of income and to also understand that wealth is a person’s ability to survive so many number of days forward.
“In other words, if I stopped working today, how long could I survive? Which also meant understanding the game of assets and liabilities.”
“I adhere to the principles with a focus on maximising passive income from my activities,” Ms Benkhallouk says.
Evan Le Clus, 52, is a Dubai-based Australian finance and operations professional, author and business mentor for small and medium-sized enterprises, where his forte is enabling chief executives to become financially astute.
Together with entrepreneur and business scaling-up coach Warsha Joshi, he just published Dare To Scale: How To Grow Your Business Gracefully (Amazon, Dh78), a book for founders and entrepreneurs “who dream big”.
Mr Le Clus identifies several authors and books that have influenced him, the main ones being Making Money Made Simple! by Noel Whittaker, George S. Clason’s The Richest Man In Babylon and Cashflow Quadrant by Robert Kiyosaki.
He first read these books more than 30 years ago because “I was eager, as most young people are, to make money”, he says.
Pay yourself first, monitor closely what you spend and only use good debt
Evan Le Clus,
author and business mentor in Dubai
“My family never really spoke about financial literacy and by the time I was at university, I had unconsciously made the decision to find out more about the subject."
His first two choices contained “sound personal wealth accumulation ideas” and both focus on the need to be “methodical and disciplined and to get your mindset right … those lessons still serve well today”, he says.
Cashflow Quadrant followed Kiyosaki’s better-known Rich Dad, Poor Dad and did a “great job of expanding my personal wealth accretion ideas into the business space”, Mr Le Clus says. “Importantly, the book helped mature my thinking into more of how an entrepreneur approaches money and views economic opportunities.
“All three books helped instill the practices of discipline and delayed gratification in me.”
Other key lessons include paying yourself first – namely save/invest and “get money working for you”, monitor closely what you spend and only use good debt, such as “financing that helps you generate positive cashflow."
“I still use these lessons to this day,” says Mr Le Clus, who previously held roles with Meraas and Hilton.
Alyssa Mariano, 30, is co-founder of Bazaara, a mobile-first, peer-to-peer marketplace app enabling people to buy/sell pre-owned clothes, accessories and home goods.
She names Tales From The Glass Ceiling by Jo Haigh as impactful on her financial outlook.
It was a book she read when she graduated from university and was working her first year in the corporate world in New York.
“A woman who was in a top leadership position within the marketing department had this book in her office and suggested I read it,” Ms Mariano says.
“While it’s more focused on teachings for women in business, there are a lot of useful tips that can be applied to money and saving.”
Reading it [Tales From The Glass Ceiling] gave me the inspiration to get serious and take control of my money and professional goals
Alyssa Mariano,
co-founder of Bazaara
The author bases the content on her own experiences of climbing the corporate ladder to the top, as well as on interviews with more than 100 women at the top of their respective fields, she says.
“She writes about the unique challenges women may have to endure and overcome to get to senior leadership roles as a female … gives actionable and practical tips to help climb the ladder faster towards and through the glass ceiling, while including tips about how to more effectively manage your money and savings.”
“Reading it gave me the inspiration to get serious and take control of my money and professional goals,” Ms Mariano, an American based in Dubai, says.
“That’s when I not only began saving, but also started investing and creating my own business plans. This book was a serious inspiration for me.”
Soniyaa Kiran Punjabi, 37, is the founder of Illuminations Well-Being Centre, which has venues in Dubai and Abu Dhabi for holistic healing, mental well-being and personal growth.
She cites The Richest Man in Babylon as “invaluable to me”, but also names Tony Robbins’ Unshakeable: Your Guide To Financial Freedom as inspirational.
“Most people feel that they don’t have the liberty to save money due to their salary bracket,” Ms Punjabi, an Indian born in South Korea, says.
“Or they feel they have limited knowledge about investing in stocks and real estate. Hence they shy away and tend not to focus on saving, growing, investing their money.”
I was already saving, investing and diversifying my investments, but the book [Unshakeable: Your Guide To Financial Freedom] provided me further insight
Soniyaa Kiran Punjabi,
founder of Illuminations Well-Being Centre
Robbins helps you “break these limiting beliefs by highlighting how a shift in mindset, actionable habits, discipline and small steps can lead anyone to the financial freedom they desire”, Ms Punjabi says.
“I’ve come across so many smart, well-educated people, men and women who surprisingly have not cultivated the habit of managing their money well.”
Ms Punjabi recommends the book to anyone who is interested in saving, investing and growing their wealth “so they can experience true financial freedom a lot easier and more effortlessly than they think”.
“Luckily, I was already saving, investing and diversifying my investments, but the book provided me further insight, a more focused approach and validated what I was already doing.
“So many people are focused on making money, but managing money is essential for the sustainability of wealth,” she says.
On a practical level, Ms Punjabi says she realised an investment bank was charging her huge transaction fees for trades, and the book prompted her to negotiate.
“It also taught me to remain calm and have faith that when the markets fall, as they did during Covid-19, it is not a time to fear but instead approach a fall as another opportunity to invest and grow,” she says.
Most recommended personal finance books
- Millionaire Expat: How To Build Wealth Living Overseas, The Global Expatriate’s Guide To Investing and Millionaire Teacher by Andrew Hallam
- The Bogleheads’ Guide to the Three-Fund Portfolio by Taylor Larimore
- Nomad Capitalist: How To Reclaim Your Freedom with Offshore Bank Accounts, Dual Citizenship, Foreign Companies and Overseas Investments by Andrew Henderson
- Rich Dad, Poor Dad by Robert Kiyosaki
- Making Money Made Simple! by Noel Whittaker
- The Richest Man In Babylon by George S. Clason
- Cashflow Quadrant by Robert Kiyosaki
- Tales From The Glass Ceiling by Jo Haigh
- Unshakeable: Your Guide To Financial Freedom by Tony Robbins
How to help
Send “thenational” to the following numbers or call the hotline on: 0502955999
2289 – Dh10
2252 – Dh 50
6025 – Dh20
6027 – Dh 100
6026 – Dh 200
TICKETS
Tickets start at Dh100 for adults, while children can enter free on the opening day. For more information, visit www.mubadalawtc.com.
Match info
Uefa Champions League Group B
Barcelona v Tottenham Hotspur, midnight
ABU%20DHABI'S%20KEY%20TOURISM%20GOALS%3A%20BY%20THE%20NUMBERS
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Classification of skills
A worker is categorised as skilled by the MOHRE based on nine levels given in the International Standard Classification of Occupations (ISCO) issued by the International Labour Organisation.
A skilled worker would be someone at a professional level (levels 1 – 5) which includes managers, professionals, technicians and associate professionals, clerical support workers, and service and sales workers.
The worker must also have an attested educational certificate higher than secondary or an equivalent certification, and earn a monthly salary of at least Dh4,000.
VEZEETA PROFILE
Date started: 2012
Founder: Amir Barsoum
Based: Dubai, UAE
Sector: HealthTech / MedTech
Size: 300 employees
Funding: $22.6 million (as of September 2018)
Investors: Technology Development Fund, Silicon Badia, Beco Capital, Vostok New Ventures, Endeavour Catalyst, Crescent Enterprises’ CE-Ventures, Saudi Technology Ventures and IFC
Abu Dhabi racecard
5pm: Maiden (Purebred Arabians); Dh80,000; 1,400m.
5.30pm: Maiden (PA); Dh80,00; 1,400m.
6pm: Sheikh Zayed bin Sultan Al Nahyan National Day Cup (PA); Group 3; Dh500,000; 1,600m.
6.30pm: Sheikh Zayed bin Sultan Al Nahyan National Day Cup (Thoroughbred); Listed; Dh380,000; 1,600m
7pm: Wathba Stallions Cup for Private Owners Handicap (PA); Dh70,000; 1,400m.
7.30pm: Handicap (PA); Dh80,000; 1,600m
The design
The protective shell is covered in solar panels to make use of light and produce energy. This will drastically reduce energy loss.
More than 80 per cent of the energy consumed by the French pavilion will be produced by the sun.
The architecture will control light sources to provide a highly insulated and airtight building.
The forecourt is protected from the sun and the plants will refresh the inner spaces.
A micro water treatment plant will recycle used water to supply the irrigation for the plants and to flush the toilets. This will reduce the pavilion’s need for fresh water by 30 per cent.
Energy-saving equipment will be used for all lighting and projections.
Beyond its use for the expo, the pavilion will be easy to dismantle and reuse the material.
Some elements of the metal frame can be prefabricated in a factory.
From architects to sound technicians and construction companies, a group of experts from 10 companies have created the pavilion.
Work will begin in May; the first stone will be laid in Dubai in the second quarter of 2019.
Construction of the pavilion will take 17 months from May 2019 to September 2020.
UPI facts
More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions
Cryopreservation: A timeline
- Keyhole surgery under general anaesthetic
- Ovarian tissue surgically removed
- Tissue processed in a high-tech facility
- Tissue re-implanted at a time of the patient’s choosing
- Full hormone production regained within 4-6 months
Another way to earn air miles
In addition to the Emirates and Etihad programmes, there is the Air Miles Middle East card, which offers members the ability to choose any airline, has no black-out dates and no restrictions on seat availability. Air Miles is linked up to HSBC credit cards and can also be earned through retail partners such as Spinneys, Sharaf DG and The Toy Store.
An Emirates Dubai-London round-trip ticket costs 180,000 miles on the Air Miles website. But customers earn these ‘miles’ at a much faster rate than airline miles. Adidas offers two air miles per Dh1 spent. Air Miles has partnerships with websites as well, so booking.com and agoda.com offer three miles per Dh1 spent.
“If you use your HSBC credit card when shopping at our partners, you are able to earn Air Miles twice which will mean you can get that flight reward faster and for less spend,” says Paul Lacey, the managing director for Europe, Middle East and India for Aimia, which owns and operates Air Miles Middle East.
Profile of Whizkey
Date founded: 04 November 2017
Founders: Abdulaziz AlBlooshi and Harsh Hirani
Based: Dubai, UAE
Number of employees: 10
Sector: AI, software
Cashflow: Dh2.5 Million
Funding stage: Series A
Jetour T1 specs
Engine: 2-litre turbocharged
Power: 254hp
Torque: 390Nm
Price: From Dh126,000
Available: Now
Batti Gul Meter Chalu
Producers: KRTI Productions, T-Series
Director: Sree Narayan Singh
Cast: Shahid Kapoor, Shraddha Kapoor, Divyenndu Sharma, Yami Gautam
Rating: 2/5
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.
Desert Warrior
Starring: Anthony Mackie, Aiysha Hart, Ben Kingsley
Director: Rupert Wyatt
Rating: 3/5
RESULT
Manchester City 5 Swansea City 0
Man City: D Silva (12'), Sterling (16'), De Bruyne (54' ), B Silva (64' minutes), Jesus (88')
UK’s AI plan
- AI ambassadors such as MIT economist Simon Johnson, Monzo cofounder Tom Blomfield and Google DeepMind’s Raia Hadsell
- £10bn AI growth zone in South Wales to create 5,000 jobs
- £100m of government support for startups building AI hardware products
- £250m to train new AI models
Race card
5pm: Maiden (PA) Dh80,000 (Turf) 1,600m
5.30pm: Handicap (PA) Dh80,000 (T) 1,600m
6pm: Arabian Triple Crown Round-1 Listed (PA) Dh230,000 (T) 1,600m
6.30pm: Wathba Stallions Cup Handicap (PA) Dh70,000 (T) 1,400m
7pm: Maiden (PA) Dh80,000 (T) 1,200m
7.30pm: Handicap (TB) Dh100,000 (T) 2,400m
SPEC%20SHEET%3A%20NOTHING%20PHONE%20(2)
%3Cp%3E%3Cstrong%3EDisplay%3A%3C%2Fstrong%3E%206.7%E2%80%9D%20LPTO%20Amoled%2C%202412%20x%201080%2C%20394ppi%2C%20HDR10%2B%2C%20Corning%20Gorilla%20Glass%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EProcessor%3A%3C%2Fstrong%3E%20Qualcomm%20Snapdragon%208%2B%20Gen%202%2C%20octa-core%3B%20Adreno%20730%20GPU%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%2F256%2F512GB%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EPlatform%3A%3C%2Fstrong%3E%20Android%2013%2C%20Nothing%20OS%202%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMain%20camera%3A%3C%2Fstrong%3E%20Dual%2050MP%20wide%2C%20f%2F1.9%20%2B%2050MP%20ultrawide%2C%20f%2F2.2%3B%20OIS%2C%20auto-focus%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMain%20camera%20video%3A%3C%2Fstrong%3E%204K%20%40%2030%2F60fps%2C%201080p%20%40%2030%2F60fps%3B%20live%20HDR%2C%20OIS%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFront%20camera%3A%3C%2Fstrong%3E%2032MP%20wide%2C%20f%2F2.5%2C%20HDR%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFront%20camera%20video%3A%3C%2Fstrong%3E%20Full-HD%20%40%2030fps%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBattery%3A%3C%2Fstrong%3E%204700mAh%3B%20full%20charge%20in%2055m%20w%2F%2045w%20charger%3B%20Qi%20wireless%2C%20dual%20charging%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%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%20Dark%20grey%2C%20white%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EIn%20the%20box%3A%3C%2Fstrong%3E%20Nothing%20Phone%20(2)%2C%20USB-C-to-USB-C%20cable%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EPrice%20(UAE)%3A%3C%2Fstrong%3E%20Dh2%2C499%20(12GB%2F256GB)%20%2F%20Dh2%2C799%20(12GB%2F512GB)%3C%2Fp%3E%0A
Maestro
%3Cp%3E%3Cstrong%3EDirector%3A%20%3C%2Fstrong%3EBradley%20Cooper%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarring%3A%20%3C%2Fstrong%3EBradley%20Cooper%2C%20Carey%20Mulligan%2C%20Maya%20Hawke%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%203%2F5%3C%2Fp%3E%0A
Story%20behind%20the%20UAE%20flag
%3Cp%3EThe%20UAE%20flag%20was%20first%20unveiled%20on%20December%202%2C%201971%2C%20the%20day%20the%20UAE%20was%20formed.%C2%A0%3C%2Fp%3E%0A%3Cp%3EIt%20was%20designed%20by%20Abdullah%20Mohammed%20Al%20Maainah%2C%2019%2C%20an%20Emirati%20from%20Abu%20Dhabi.%C2%A0%3C%2Fp%3E%0A%3Cp%3EMr%20Al%20Maainah%20said%20in%20an%20interview%20with%20%3Cem%3EThe%20National%3C%2Fem%3E%20in%202011%20he%20chose%20the%20colours%20for%20local%20reasons.%C2%A0%3C%2Fp%3E%0A%3Cp%3EThe%20black%20represents%20the%20oil%20riches%20that%20transformed%20the%20UAE%2C%20green%20stands%20for%20fertility%20and%20the%20red%20and%20white%20colours%20were%20drawn%20from%20those%20found%20in%20existing%20emirate%20flags.%3C%2Fp%3E%0A
Results
5pm: Maiden (PA) Dh80,000 (Turf) 1,000mm, Winners: Mumayaza, Fabrice Veron (jockey), Eric Lemartinel (trainer)
5.30pm: Wathba Stallions Cup Handicap (PA) Dh70,000 (T) 2,200m, Winners: Sharkh, Pat Cosgrave, Helal Al Alawi
6pm: The President’s Cup Prep - Conditions (PA) Dh100,000 (T) 2,200m, Winner: Somoud, Richard Mullen, Jean de Roualle
6.30pm: Handicap (PA) Dh90,000 (T) 1,600m, Winner: Harrab, Ryan Curatolo, Jean de Roualle
7pm: Abu Dhabi Equestrian Gold Cup - Prestige (PA) Dh125,000 (T) 1,600m, Winner: Hameem, Adrie de Vries, Abdallah Al Hammadi
7.30pm: Al Ruwais – Group 3 (PA) Dh300,000 (T) 1,200m, Winner: AF Alwajel, Tadhg O’Shea, Ernst Oertel
8pm: Maiden (TB) Dh80,000 (T) 1,400m, Winner: Nibras Passion, Bernardo Pinheiro, Ismail Mohammed
DUBAI WORLD CUP CARNIVAL CARD
6.30pm Handicap US$135,000 (Turf) 2,410m
7.05pm UAE 1000 Guineas Listed $250,000 (Dirt) 1,600m
7.40pm Dubai Dash Listed $175,000 (T) 1,000m
8.15pm Al Bastakiya Trial Conditions $100,000 (D) 1.900m
8.50pm Al Fahidi Fort Group Two $250,000 (T) 1,400m
9.25pm Handicap $135,000 (D) 2,000m
The National selections
6.30pm: Gifts Of Gold
7.05pm Final Song
7.40pm Equilateral
8.15pm Dark Of Night
8.50pm Mythical Magic
9.25pm Franz Kafka
Our legal columnist
Name: Yousef Al Bahar
Advocate at Al Bahar & Associate Advocates and Legal Consultants, established in 1994
Education: Mr Al Bahar was born in 1979 and graduated in 2008 from the Judicial Institute. He took after his father, who was one of the first Emirati lawyers
Match info
Liverpool 3
Hoedt (10' og), Matip (21'), Salah (45 3')
Southampton 0
if you go
The flights
Emirates fly direct from Dubai to Houston, Texas, where United have direct flights to Managua. Alternatively, from October, Iberia will offer connections from Madrid, which can be reached by both Etihad from Abu Dhabi and Emirates from Dubai.
The trip
Geodyssey’s (Geodyssey.co.uk) 15-night Nicaragua Odyssey visits the colonial cities of Leon and Granada, lively country villages, the lake island of Ometepe and a stunning array of landscapes, with wildlife, history, creative crafts and more. From Dh18,500 per person, based on two sharing, including transfers and tours but excluding international flights. For more information, visit visitnicaragua.us.
Farage on Muslim Brotherhood
Nigel Farage told Reform's annual conference that the party will proscribe the Muslim Brotherhood if he becomes Prime Minister.
"We will stop dangerous organisations with links to terrorism operating in our country," he said. "Quite why we've been so gutless about this – both Labour and Conservative – I don't know.
“All across the Middle East, countries have banned and proscribed the Muslim Brotherhood as a dangerous organisation. We will do the very same.”
It is 10 years since a ground-breaking report into the Muslim Brotherhood by Sir John Jenkins.
Among the former diplomat's findings was an assessment that “the use of extreme violence in the pursuit of the perfect Islamic society” has “never been institutionally disowned” by the movement.
The prime minister at the time, David Cameron, who commissioned the report, said membership or association with the Muslim Brotherhood was a "possible indicator of extremism" but it would not be banned.
UAE currency: the story behind the money in your pockets
Company Fact Box
Company name/date started: Abwaab Technologies / September 2019
Founders: Hamdi Tabbaa, co-founder and CEO. Hussein Alsarabi, co-founder and CTO
Based: Amman, Jordan
Sector: Education Technology
Size (employees/revenue): Total team size: 65. Full-time employees: 25. Revenue undisclosed
Stage: early-stage startup
Investors: Adam Tech Ventures, Endure Capital, Equitrust, the World Bank-backed Innovative Startups SMEs Fund, a London investment fund, a number of former and current executives from Uber and Netflix, among others.
Liverpool's all-time goalscorers
Ian Rush 346
Roger Hunt 285
Mohamed Salah 250
Gordon Hodgson 241
Billy Liddell 228
2025 Fifa Club World Cup groups
Group A: Palmeiras, Porto, Al Ahly, Inter Miami.
Group B: Paris Saint-Germain, Atletico Madrid, Botafogo, Seattle.
Group C: Bayern Munich, Auckland City, Boca Juniors, Benfica.
Group D: Flamengo, ES Tunis, Chelsea, Leon.
Group E: River Plate, Urawa, Monterrey, Inter Milan.
Group F: Fluminense, Borussia Dortmund, Ulsan, Mamelodi Sundowns.
Group G: Manchester City, Wydad, Al Ain, Juventus.
Group H: Real Madrid, Al Hilal, Pachuca, Salzburg.
