Vijaya Letchumy was 34 by the time she earned her first pay. Exhilarated, she walked into a Madras jeweller in Dubai's Gold Souk, counted out Dh1,300 and walked away with a cross on a braided gold chain dangling from her neck.
"I remember that day so clearly," she says shyly. "I was so happy to be a house maid in Dubai. It was my first money. And it was a very nice necklace," she says stroking her neck in memory. Mrs Letchumy recently gave it to her mother-in-law.
"She liked it so much."
The story of the necklace, now back in Sri Lanka, is much like Mrs Letchumy's life.
The youngest of nine children, she made it through five years of primary school at Tamil Maha Vidyala, which was located in the town of Ratnapura, about 11km from her village, but lacked the means to continue. From the age of 11, Mrs Letchumy cared for the family's one-room house in a village some 100km from Colombo.
Her father, who worked as driver in the capital, returned once a month, his pockets filled with sweets for the kids. Her mother and siblings occasionally found work at the local tea and rubber factories. But soon her sisters took off to work as maids in Bahrain and Dubai, while her two brothers made it to Holland and Switzerland. Mrs Letchumy, too, was desperate to leave Sri Lanka.
"I used to ask myself, 'Why can't I go out into the world, meet people, work and buy my own clothes'?"
Now, after eight years in Dubai, Mrs Letchumy and her husband Kumar want to return home.
"We hope to get a loan soon," she said. Her husband, who has cooked in government-run restaurants for four years, earns a base salary of Dh1200 and a family supplement of Dh800. Kumar hopes to become eligible for a loan soon.
The couple needs Dh20,000 to buy a small piece of land in Kandy, a hilly, midsized city in the interior of Sri Lanka, and another Dh10,000 to build a simple house.
"That way my mother-in-law could stop working as a maid and move in with us," she says. When her sister got Mrs Letchumy a visa in 2000, she was delighted to come to Dubai. "Until then I never had a job, I never had money," she says. "I always gave the best for my family, I took care of everyone. That is also the reason I married late."
Her mother, who died when Mrs Letchumy was 17, forbade her to work at the tea factory. When her father fell ill, he returned to the village to open a small store with rice, sugar and sweets for the local children.
But with far too little to make ends meet, her father and brother's family always depended on the money orders from abroad.
Arriving in Dubai, Mrs Letchumy enthusiastically set up her own bank account. But it was only two years later - she had managed to save Dh10,000 - that she plundered her account to get married. "I used it all up, no one helped us and Kumar and me, we invited many friends," she says glowingly. The couple held a little party at her sister's employer's house in Jebel Ali, and later celebrated with relatives and friends back in Sri Lanka. "Living in Dubai, people at home expected something nice from us," she says. Shortly thereafter she needed another Dh6,000 to renew her visa.
Since then, she has never managed to save substantial amounts. She still has her dollar bank account - "dollars are good, and gold is good" she says - but between sending money back to Sri Lanka and visa fees her account balance rarely exceeds Dh1,000. Mrs Letchumy would like to send home Dh1,000 every month, but usually only manages Dh500.
"Life is difficult in Sri Lanka, often there will be no rain, no water, so we don't have any harvest," she says.
But she mostly laments the lack of safety at home. She feels unsafe because of her country's poverty, and also because she is Tamil and easily recognised as such.
"There is not much food, there are no jobs. Also, everybody recognises we are Tamils and it does not feel safe. There is too much jealousy in our country. I never wear my gold jewellery when I go out in the street, only at home." Living in Dubai, things are different.
"Dubai is very safe. I am so happy to be here. Everything is controlled, and we can go wherever we want, even at night," she says. "Yes, we must spend visa money, but we get a job and food. We enjoy it, we like it here."
Back home, she says, "too many people throw stones when they get angry".She does not mind the large social differences in the Emirates. "In our country, there are also very rich people."
Her work in Dubai gives her Dh1,500 per month. Of that, about Dh500 goes toward food. She sends home Dh500 and keeps some Dh500 as pocket money. For example, she buys at least four Dh25 prepaid cards a month to call home. On special occasions, she buys lamb or mutton, a special henna shampoo, hair clips or facial cream.
"But I never buy make-up, that is just too expensive," she says.
She rarely treats herself to a new sari (about Dh150) or a western-style blouse (Dh20) in Satwa or Bur Dubai. Mrs Letchumy and her husband only go out to celebrate a wedding anniversary or a birthday. "After we get paid, we may go to the Indian Saravana Hotel and spend Dh150 on a very special meal and some special cakes to take home."
Sometimes, when she or her husband fall ill or have exceptional expenses, she may run low on money. But so far she has always managed to borrow money from friends or relatives, mostly her niece. "I can always rely on family, she says. "Growing up my mother cared for me, people will always help," she says.
Mrs Letchumy's voice turns sad when she talks about her father's recent death. "I could not go back for the funeral," she says. "I had just lost my work and needed a new job. I did not have a ticket. All my brothers and sisters went. I could not even help to pay for the coffin. Until the day I die I will never forget that I could not go back to my father's funeral. It makes me feel so sad. But I had not saved any money at the time."
But her brother stopped over in Dubai on his way back to Switzerland and showed her a picture of her father's grave.
If Mrs Letchumy has her way, she will be back in Sri Lanka before too long. In the meantime, she and her husband are collecting decorative items for their new home. Their maid's room is filled with hand-me-downs from former employers, including an oversized stereo system dating from the 1980s.
"It is broken," she says, slightly embarrassed. "But my husband thinks it looks impressive."
Once her husband can take out a loan, the couple will buy the piece of land and bit by bit continue construction as they have money to send back. Her husband's cousin, who lives in Kandy, will supervise the work.
"We will save money and send it back for the construction. It could take some years until it is finished and we can go home."
WHAT IS A BLACK HOLE?
1. Black holes are objects whose gravity is so strong not even light can escape their pull
2. They can be created when massive stars collapse under their own weight
3. Large black holes can also be formed when smaller ones collide and merge
4. The biggest black holes lurk at the centre of many galaxies, including our own
5. Astronomers believe that when the universe was very young, black holes affected how galaxies formed
RESULT
Arsenal 0 Chelsea 3
Chelsea: Willian (40'), Batshuayi (42', 49')
Dhadak 2
Director: Shazia Iqbal
Starring: Siddhant Chaturvedi, Triptii Dimri
Rating: 1/5
How to become a Boglehead
Bogleheads follow simple investing philosophies to build their wealth and live better lives. Just follow these steps.
• Spend less than you earn and save the rest. You can do this by earning more, or being frugal. Better still, do both.
• Invest early, invest often. It takes time to grow your wealth on the stock market. The sooner you begin, the better.
• Choose the right level of risk. Don't gamble by investing in get-rich-quick schemes or high-risk plays. Don't play it too safe, either, by leaving long-term savings in cash.
• Diversify. Do not keep all your eggs in one basket. Spread your money between different companies, sectors, markets and asset classes such as bonds and property.
• Keep charges low. The biggest drag on investment performance is all the charges you pay to advisers and active fund managers.
• Keep it simple. Complexity is your enemy. You can build a balanced, diversified portfolio with just a handful of ETFs.
• Forget timing the market. Nobody knows where share prices will go next, so don't try to second-guess them.
• Stick with it. Do not sell up in a market crash. Use the opportunity to invest more at the lower price.
Four motivational quotes from Alicia's Dubai talk
“The only thing we need is to know that we have faith. Faith and hope in our own dreams. The belief that, when we keep going we’re going to find our way. That’s all we got.”
“Sometimes we try so hard to keep things inside. We try so hard to pretend it’s not really bothering us. In some ways, that hurts us more. You don’t realise how dishonest you are with yourself sometimes, but I realised that if I spoke it, I could let it go.”
“One good thing is to know you’re not the only one going through it. You’re not the only one trying to find your way, trying to find yourself, trying to find amazing energy, trying to find a light. Show all of yourself. Show every nuance. All of your magic. All of your colours. Be true to that. You can be unafraid.”
“It’s time to stop holding back. It’s time to do it on your terms. It’s time to shine in the most unbelievable way. It’s time to let go of negativity and find your tribe, find those people that lift you up, because everybody else is just in your way.”
How to turn your property into a holiday home
- Ensure decoration and styling – and portal photography – quality is high to achieve maximum rates.
- Research equivalent Airbnb homes in your location to ensure competitiveness.
- Post on all relevant platforms to reach the widest audience; whether you let personally or via an agency know your potential guest profile – aiming for the wrong demographic may leave your property empty.
- Factor in costs when working out if holiday letting is beneficial. The annual DCTM fee runs from Dh370 for a one-bedroom flat to Dh1,200. Tourism tax is Dh10-15 per bedroom, per night.
- Check your management company has a physical office, a valid DTCM licence and is licencing your property and paying tourism taxes. For transparency, regularly view your booking calendar.
Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
DUBAI%20BLING%3A%20EPISODE%201
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In numbers: China in Dubai
The number of Chinese people living in Dubai: An estimated 200,000
Number of Chinese people in International City: Almost 50,000
Daily visitors to Dragon Mart in 2018/19: 120,000
Daily visitors to Dragon Mart in 2010: 20,000
Percentage increase in visitors in eight years: 500 per cent
Joker: Folie a Deux
Starring: Joaquin Phoenix, Lady Gaga, Brendan Gleeson
Director: Todd Phillips
Rating: 2/5
More Expo 2020 Dubai pavilions:
Benefits of first-time home buyers' scheme
- Priority access to new homes from participating developers
- Discounts on sales price of off-plan units
- Flexible payment plans from developers
- Mortgages with better interest rates, faster approval times and reduced fees
- DLD registration fee can be paid through banks or credit cards at zero interest rates
'Cheb%20Khaled'
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Sole survivors
- Cecelia Crocker was on board Northwest Airlines Flight 255 in 1987 when it crashed in Detroit, killing 154 people, including her parents and brother. The plane had hit a light pole on take off
- George Lamson Jr, from Minnesota, was on a Galaxy Airlines flight that crashed in Reno in 1985, killing 68 people. His entire seat was launched out of the plane
- Bahia Bakari, then 12, survived when a Yemenia Airways flight crashed near the Comoros in 2009, killing 152. She was found clinging to wreckage after floating in the ocean for 13 hours.
- Jim Polehinke was the co-pilot and sole survivor of a 2006 Comair flight that crashed in Lexington, Kentucky, killing 49.
Global state-owned investor ranking by size
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1.
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United States
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2.
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China
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3.
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UAE
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4.
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Japan
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5
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Norway
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6.
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Canada
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7.
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Singapore
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8.
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Australia
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9.
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Saudi Arabia
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10.
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South Korea
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Five healthy carbs and how to eat them
Brown rice: consume an amount that fits in the palm of your hand
Non-starchy vegetables, such as broccoli: consume raw or at low temperatures, and don’t reheat
Oatmeal: look out for pure whole oat grains or kernels, which are locally grown and packaged; avoid those that have travelled from afar
Fruit: a medium bowl a day and no more, and never fruit juices
Lentils and lentil pasta: soak these well and cook them at a low temperature; refrain from eating highly processed pasta variants
Courtesy Roma Megchiani, functional nutritionist at Dubai’s 77 Veggie Boutique
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%3Cul%3E%0A%3Cli%3ENever%20click%20on%20links%20provided%20via%20app%20or%20SMS%2C%20even%20if%20they%20seem%20to%20come%20from%20authorised%20senders%20at%20first%20glance%3C%2Fli%3E%0A%3Cli%3EAlways%20double-check%20the%20authenticity%20of%20websites%3C%2Fli%3E%0A%3Cli%3EEnable%20Two-Factor%20Authentication%20(2FA)%20for%20all%20your%20working%20and%20personal%20services%3C%2Fli%3E%0A%3Cli%3EOnly%20use%20official%20links%20published%20by%20the%20respective%20entity%3C%2Fli%3E%0A%3Cli%3EDouble-check%20the%20web%20addresses%20to%20reduce%20exposure%20to%20fake%20sites%20created%20with%20domain%20names%20containing%20spelling%20errors%3C%2Fli%3E%0A%3C%2Ful%3E%0A
The specs: 2018 GMC Terrain
Price, base / as tested: Dh94,600 / Dh159,700
Engine: 2.0-litre turbocharged four-cylinder
Power: 252hp @ 5,500rpm
Torque: 353Nm @ 2,500rpm
Transmission: Nine-speed automatic
Fuel consumption, combined: 7.4L / 100km
THREE POSSIBLE REPLACEMENTS
Khalfan Mubarak
The Al Jazira playmaker has for some time been tipped for stardom within UAE football, with Quique Sanchez Flores, his former manager at Al Ahli, once labelling him a “genius”. He was only 17. Now 23, Mubarak has developed into a crafty supplier of chances, evidenced by his seven assists in six league matches this season. Still to display his class at international level, though.
Rayan Yaslam
The Al Ain attacking midfielder has become a regular starter for his club in the past 15 months. Yaslam, 23, is a tidy and intelligent player, technically proficient with an eye for opening up defences. Developed while alongside Abdulrahman in the Al Ain first-team and has progressed well since manager Zoran Mamic’s arrival. However, made his UAE debut only last December.
Ismail Matar
The Al Wahda forward is revered by teammates and a key contributor to the squad. At 35, his best days are behind him, but Matar is incredibly experienced and an example to his colleagues. His ability to cope with tournament football is a concern, though, despite Matar beginning the season well. Not a like-for-like replacement, although the system could be adjusted to suit.
Paris%20Agreement
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Defence review at a glance
• Increase defence spending to 2.5% of GDP by 2027 but given “turbulent times it may be necessary to go faster”
• Prioritise a shift towards working with AI and autonomous systems
• Invest in the resilience of military space systems.
• Number of active reserves should be increased by 20%
• More F-35 fighter jets required in the next decade
• New “hybrid Navy” with AUKUS submarines and autonomous vessels
The specs
Engine: 2.0-litre 4-cylturbo
Transmission: seven-speed DSG automatic
Power: 242bhp
Torque: 370Nm
Price: Dh136,814