• 38-year-old former Chelsea midfielder won 108 England caps • ‘I feel now is the time to begin the next chapter in my life’ The former West Ham, Chelsea, Manchester City and England midfielder Frank Lampard has announced his retirement from football. Lampard, who won 106 caps for his country, left New York City FC in November after his contract expired. In a statement on his Facebook page , the 38-year-old said he had…