• Goncalo Ramos celebrates scoring Portugal's fifth goal and his hat-trick in the 6-1 Round of 16 win against Switzerland at the Lusail Stadium on December 6, 2022. PA
    Goncalo Ramos celebrates scoring Portugal's fifth goal and his hat-trick in the 6-1 Round of 16 win against Switzerland at the Lusail Stadium on December 6, 2022. PA
  • Goncalo Ramos scores Portugal's fifth goal. AP
    Goncalo Ramos scores Portugal's fifth goal. AP
  • Portugal's Goncalo Ramos celebrates. PA
    Portugal's Goncalo Ramos celebrates. PA
  • LUSAIL CITY, QATAR - DECEMBER 06: Goncalo Ramos of Portugal celebrates after scoring the team's fifth goal and their hat trick during the FIFA World Cup Qatar 2022 Round of 16 match between Portugal and Switzerland at Lusail Stadium on December 06, 2022 in Lusail City, Qatar. (Photo by Alex Pantling / Getty Images)
    LUSAIL CITY, QATAR - DECEMBER 06: Goncalo Ramos of Portugal celebrates after scoring the team's fifth goal and their hat trick during the FIFA World Cup Qatar 2022 Round of 16 match between Portugal and Switzerland at Lusail Stadium on December 06, 2022 in Lusail City, Qatar. (Photo by Alex Pantling / Getty Images)
  • Portugal's Goncalo Ramos celebrates after scoring the third goal. AP
    Portugal's Goncalo Ramos celebrates after scoring the third goal. AP
  • Raphael Guerreiro celebrates scoring Portugal's fourth goal. PA
    Raphael Guerreiro celebrates scoring Portugal's fourth goal. PA
  • Goncalo Ramos scores his side's third goal. AP
    Goncalo Ramos scores his side's third goal. AP
  • Portugal's Pepe, left, celebrates after scoring the second goal. AP
    Portugal's Pepe, left, celebrates after scoring the second goal. AP
  • Pepe celebrates scoring his side's second goal. AP
    Pepe celebrates scoring his side's second goal. AP
  • Raphael Guerreiro scores the fourth goal. PA
    Raphael Guerreiro scores the fourth goal. PA
  • Portugal's Pepe scores against Switzerland. AP
    Portugal's Pepe scores against Switzerland. AP
  • Goncalo Ramos celebrates after scoring Portugal's first goal in the Round of 16 match against Switzerland at Lusail Stadium on December 6, 2022. Getty
    Goncalo Ramos celebrates after scoring Portugal's first goal in the Round of 16 match against Switzerland at Lusail Stadium on December 6, 2022. Getty
  • Goncalo Ramos scores Portugal's first goal. Getty
    Goncalo Ramos scores Portugal's first goal. Getty
  • Portugal's Goncalo Ramos celebrates scoring with teammates. Reuters
    Portugal's Goncalo Ramos celebrates scoring with teammates. Reuters
  • Cristiano Ronaldo did not look happy about starting the game on the bench. Getty
    Cristiano Ronaldo did not look happy about starting the game on the bench. Getty
  • Manuel Akanji scores for Switzerland. Getty
    Manuel Akanji scores for Switzerland. Getty
  • Cristiano Ronaldo pours water on his head. AFP
    Cristiano Ronaldo pours water on his head. AFP
  • Portugal's Cristiano Ronaldo came on as a sub. PA
    Portugal's Cristiano Ronaldo came on as a sub. PA
  • Portugal's Rafael Leao celebrates scoring their sixth goal. Reuters
    Portugal's Rafael Leao celebrates scoring their sixth goal. Reuters
  • Rafael Leao celebrates scoring their sixth goal with Diogo Dalot and Ruben Dias. Reuters
    Rafael Leao celebrates scoring their sixth goal with Diogo Dalot and Ruben Dias. Reuters

Who is Goncalo Ramos - Portugal's hat-trick hero keeping Cristiano Ronaldo on the bench?


Steve Luckings
  • English
  • Arabic

Goncalo Ramos justified the shock decision to drop Cristiano Ronaldo by scoring a hat-trick on his full debut as Portugal demolished Switzerland 6-1 on Tuesday to power into the World Cup quarter-finals.

The 21-year-old Ramos, who started instead of Ronaldo, became the youngest player to strike three times in a World Cup knockout match since Pele in 1958.

But who is Portugal's young upstart?

Who is Goncalo Ramos?

Born in Algarve, Ramos has burst onto the scene with Benfica this season after being given an enhanced role as the central striker following the sale of Darwin Nunez to Liverpool in the summer.

He has scored 14 goals in 21 games in all competitions, quickly adjusting to his new role.

Is he a regular starter for Portugal?

Ramos was only making his fourth appearance for the national side, having played 10 minutes across two games in the group stage.

He only made his debut on November 17 in a pre-World Cup friendly against Nigeria, coming on as a 67th minute substitute and promptly scoring 15 minutes later with the fourth goal in a 4-0 win.

Why was his call-up to the starting XI controversial?

No doubt Ramos has the potential to be a success, but the decision taken by Portugal boss Fernando Santos to start the 21-year-old ahead of Ronaldo was a bold one.

It took just 17 minutes for Ramos to reward Santos' faith, and to achieve something Ronaldo has never done – score in a World Cup knockout game.

Joao Felix clipped delicately into the feet of Ramos, who quickly swivelled past Fabian Schaer and rifled into the roof of the net past a stunned Yann Sommer.

Ramos turned in his second from close range six minutes into the second half from Diogo Dalot's cross down the right.

He completed his treble after outstanding work from strike partner Felix, nonchalantly dinking over Switzerland goalkeeper Sommer with one of his final touches before making way for Ronaldo.

Cristiano Ronaldo sits on the substitutes bench after being dropped for the match against Switzerland. EPA
Cristiano Ronaldo sits on the substitutes bench after being dropped for the match against Switzerland. EPA

What did he say?

Ramos said that his call-up ahead of five-time Ballon d'Or winner Ronaldo was beyond his imagination.

"Not even in my wildest dreams did I think of making my first start in a World Cup knockout game and scoring three goals," he said.

"But we have to think game by game and prepare for the game [quarter-final with Morocco]. This result doesn't matter now. We're going to go all out in the next game."

Why was Ronaldo dropped?

Ronaldo, 37 and now without a club after his departure from Manchester United, has hogged the headlines during the tournament while looking a shadow of his former self.

The only man to score at five World Cups, Ronaldo was left out by Santos against the Swiss following his angry response to being substituted in the last group game - a 2-1 defeat to South Korea.

Santos later said the decision to bench the Portugal star had been "strategic and nothing more", unrelated to his substitution against South Korea.

What next for Ronaldo?

Ronaldo's introduction against Switzerland elicited the biggest roar at the Lusail Stadium, with fans chanting his name from the start of the second half. Ronaldo did have the ball in the back of the net but it was ruled out for offside.

His role for the remainder of the World Cup is something that has to be “defined”, Santos told reporters after the match, adding that the superstar striker "will definitely" be involved against Morocco. Ronaldo and Portugal have never won the World Cup, though he was an integral part of the squad that won Euro 2016.

Ronaldo's future in club football is also a hot topic, with Saudi Arabian club Al Nassr reportedly prepared to offer the former Real Madrid and Juventus player a mouthwatering £200 million-a-year contract.

Ronaldo has scored 118 Portugal goals - a world record - and is one shy of equaling Bader Al Mutawa's Fifa-recognised record of 196 international caps.

Portugal v Switzerland ratings

  • PORTUGAL RATINGS: Diogo Costa - 6. Got a touch on Xherdan Shaqiri’s free-kick to make sure it didn’t go in, then saved Remo Freuler’s header after unconvincingly stopping Edimilson Fernandes’ cross. Had no chance of stopping the Swiss goal, while his long ball forward started the move for Portugal’s fifth. AP
    PORTUGAL RATINGS: Diogo Costa - 6. Got a touch on Xherdan Shaqiri’s free-kick to make sure it didn’t go in, then saved Remo Freuler’s header after unconvincingly stopping Edimilson Fernandes’ cross. Had no chance of stopping the Swiss goal, while his long ball forward started the move for Portugal’s fifth. AP
  • Diogo Dalot - 9. Was authoritative in his defending throughout the game to ensure Ruben Vargas didn’t get any joy. Cleared the ball off the line after Costa saved Freuler’s header, and then beat Vargas to deliver the cross for Goncalo Ramos’ second. Noah Okafor didn’t fare much better against him. EPA
    Diogo Dalot - 9. Was authoritative in his defending throughout the game to ensure Ruben Vargas didn’t get any joy. Cleared the ball off the line after Costa saved Freuler’s header, and then beat Vargas to deliver the cross for Goncalo Ramos’ second. Noah Okafor didn’t fare much better against him. EPA
  • Pepe - 9. Showed complete dominance to score his goal and that translated to the rest of the defender’s play. He made some brilliant passes and often defended on the front foot to quickly nullify Swiss attacks. AP
    Pepe - 9. Showed complete dominance to score his goal and that translated to the rest of the defender’s play. He made some brilliant passes and often defended on the front foot to quickly nullify Swiss attacks. AP
  • Ruben Dias - 7. Got away with a poor touch on the edge of his own box but gave Breel Embolo a real battle. Won a header in the opposition box but couldn’t get enough on it to work Yann Sommer. Getty
    Ruben Dias - 7. Got away with a poor touch on the edge of his own box but gave Breel Embolo a real battle. Won a header in the opposition box but couldn’t get enough on it to work Yann Sommer. Getty
  • Raphael Guerreiro - 8. Came up with a couple of wonderful touches and passes, although the left-back fired a shot harmlessly off target. Did much better when he got into the box in the second half, giving Sommer no chance. AP
    Raphael Guerreiro - 8. Came up with a couple of wonderful touches and passes, although the left-back fired a shot harmlessly off target. Did much better when he got into the box in the second half, giving Sommer no chance. AP
  • Bernardo Silva - 8. Broke into the box but couldn’t find the final pass, although he continued to put himself in great positions and show quality throughout. Made a good run forward in the build-up to Ramos’ hat-trick goal. Getty
    Bernardo Silva - 8. Broke into the box but couldn’t find the final pass, although he continued to put himself in great positions and show quality throughout. Made a good run forward in the build-up to Ramos’ hat-trick goal. Getty
  • William Carvalho - 7. Was a calm presence in the middle of the pitch, winning the ball back when required and moving it brilliantly. Some of his passes in the first half were particularly eye-catching, including one he clipped for Guerreiro to run on to. Played some sloppy passes in the second half and was eased off the ball by Embolo. EPA
    William Carvalho - 7. Was a calm presence in the middle of the pitch, winning the ball back when required and moving it brilliantly. Some of his passes in the first half were particularly eye-catching, including one he clipped for Guerreiro to run on to. Played some sloppy passes in the second half and was eased off the ball by Embolo. EPA
  • Otavio - 8. Did a great job to move the ball from a deep midfield position, although he shot straight at Yann Sommer when a half-chance came. Provided a lovely backheel in the build-up to Portugal’s fourth. AP
    Otavio - 8. Did a great job to move the ball from a deep midfield position, although he shot straight at Yann Sommer when a half-chance came. Provided a lovely backheel in the build-up to Portugal’s fourth. AP
  • Bruno Fernandes - 9. Played with freedom, playing a whole host of brilliant passes including the corner delivery for Pepe’s goal and a through ball for Goncalo Ramos. Came within inches of reaching Guerreiro’s cross. Reuters
    Bruno Fernandes - 9. Played with freedom, playing a whole host of brilliant passes including the corner delivery for Pepe’s goal and a through ball for Goncalo Ramos. Came within inches of reaching Guerreiro’s cross. Reuters
  • Goncalo Ramos - 10. Blasted Portugal into the lead with a brilliant finish in his first tournament start, then added a second goal after half time. Set up Guerreiro for Portugal’s fourth, although his attempt at a defensive header also set up Manuel Akanji before he scored with a beautifully dinked effort for his hat-trick. EPA
    Goncalo Ramos - 10. Blasted Portugal into the lead with a brilliant finish in his first tournament start, then added a second goal after half time. Set up Guerreiro for Portugal’s fourth, although his attempt at a defensive header also set up Manuel Akanji before he scored with a beautifully dinked effort for his hat-trick. EPA
  • Joao Felix - 9. Took up brilliant positions and showed the quality to exploit them, notably slipping the ball through for Ramos’ opener. There were more superb moments in his fearless performance including a run through the middle that helped lead to Portugal’s fourth. He then slid the ball to Ramos again for the striker’s hat-trick goal. AP
    Joao Felix - 9. Took up brilliant positions and showed the quality to exploit them, notably slipping the ball through for Ramos’ opener. There were more superb moments in his fearless performance including a run through the middle that helped lead to Portugal’s fourth. He then slid the ball to Ramos again for the striker’s hat-trick goal. AP
  • SUBS: Cristiano Ronaldo (Ramos, 73’) – N/R. Fired a free-kick attempt into the wall before hitting the back of the net for a goal that was pulled back for offside. PA
    SUBS: Cristiano Ronaldo (Ramos, 73’) – N/R. Fired a free-kick attempt into the wall before hitting the back of the net for a goal that was pulled back for offside. PA
  • Ricardo Horta (Felix, 74’) – N/R. Got some nice touches in as Portugal put on a show. AFP
    Ricardo Horta (Felix, 74’) – N/R. Got some nice touches in as Portugal put on a show. AFP
  • Vitinha (Otavio, 74’) – N/R. Moved the ball nicely, although one stray pass started a decent Swiss move. His corner delivery was an inviting one. AP
    Vitinha (Otavio, 74’) – N/R. Moved the ball nicely, although one stray pass started a decent Swiss move. His corner delivery was an inviting one. AP
  • Ruben Neves (Silva, 81’) – N/R. Moved the ball well and cut out a potentially threatening ball through. AP
    Ruben Neves (Silva, 81’) – N/R. Moved the ball well and cut out a potentially threatening ball through. AP
  • Rafael Leao (Fernandes, 87’) – N/R. Played a poor cross with Ronaldo waiting in the box but showed his quality by cutting inside Granit Xhaka and curling a wonderful effort past Sommer. Getty
    Rafael Leao (Fernandes, 87’) – N/R. Played a poor cross with Ronaldo waiting in the box but showed his quality by cutting inside Granit Xhaka and curling a wonderful effort past Sommer. Getty
  • SWITZERLAND RATINGS: Yann Sommer - 4. Had a horrible night conceding six, although there wasn’t too much he could do about most of the goals. Made a great save to deny Ramos one goal. AP
    SWITZERLAND RATINGS: Yann Sommer - 4. Had a horrible night conceding six, although there wasn’t too much he could do about most of the goals. Made a great save to deny Ramos one goal. AP
  • Edimilson Fernandes - 3. He was very weak defensively, especially in the first half, giving Felix too much space in the build-up to the first goal and doing nothing to stop Pepe for the second. Delivered some promising crosses. AP
    Edimilson Fernandes - 3. He was very weak defensively, especially in the first half, giving Felix too much space in the build-up to the first goal and doing nothing to stop Pepe for the second. Delivered some promising crosses. AP
  • Manuel Akanji - 5. Was beaten far too easily in the air by Pepe for the second and was helpless as the Swiss defence descended into calamity. Scored a consolation goal after sneaking in at the back post. Getty
    Manuel Akanji - 5. Was beaten far too easily in the air by Pepe for the second and was helpless as the Swiss defence descended into calamity. Scored a consolation goal after sneaking in at the back post. Getty
  • Fabian Schar - 3. Stood off Ramos for the opener and was very weak in his defending for the second. A poor overall performance also saw him get booked for a late challenge on Felix before being taken off at half time. Getty
    Fabian Schar - 3. Stood off Ramos for the opener and was very weak in his defending for the second. A poor overall performance also saw him get booked for a late challenge on Felix before being taken off at half time. Getty
  • Ricardo Rodriguez - 4. Showed great anticipation to clear Silva’s pass but that largely deserted Rodriguez and his fellow defenders for the rest of the game. Put in a couple of decent crosses. AFP
    Ricardo Rodriguez - 4. Showed great anticipation to clear Silva’s pass but that largely deserted Rodriguez and his fellow defenders for the rest of the game. Put in a couple of decent crosses. AFP
  • Remo Freuler - 4. Saw his header saved and struggled to keep up, hitting Pepe with some late challenges in an underwhelming performance. AP
    Remo Freuler - 4. Saw his header saved and struggled to keep up, hitting Pepe with some late challenges in an underwhelming performance. AP
  • Granit Xhaka - 4. Did absolutely nothing to put Felix under pressure for the opener and seemed to be going through the motions at times. Headed comfortably off target from a promising position and got away with a mix-up with Denis Zakaria. Getty
    Granit Xhaka - 4. Did absolutely nothing to put Felix under pressure for the opener and seemed to be going through the motions at times. Headed comfortably off target from a promising position and got away with a mix-up with Denis Zakaria. Getty
  • Xherdan Shaqiri - 5. Was toothless in a challenge with Dias on the edge of Portugal’s box and hit a shocking effort that went high and wide, summarising Switzerland’s game. Showed quality with his set-pieces, forcing Costa into an uncomfortable save and delivering the corner that resulted in Akanji’s goal. Reuters
    Xherdan Shaqiri - 5. Was toothless in a challenge with Dias on the edge of Portugal’s box and hit a shocking effort that went high and wide, summarising Switzerland’s game. Showed quality with his set-pieces, forcing Costa into an uncomfortable save and delivering the corner that resulted in Akanji’s goal. Reuters
  • Djibril Sow - 4. Had some nice moments, including a flick for Fernandes’ cross, but was still very quiet. AFP
    Djibril Sow - 4. Had some nice moments, including a flick for Fernandes’ cross, but was still very quiet. AFP
  • Ruben Vargas - 4. Was easily beaten by Dalot for Portugal’s third having largely been bullied by the defender at the other end of the pitch. Getty
    Ruben Vargas - 4. Was easily beaten by Dalot for Portugal’s third having largely been bullied by the defender at the other end of the pitch. Getty
  • Breel Embolo - 6. One of the very few Swiss players who could leave this match with their head held high, having given Dias a real battle for large periods. Came close with an acrobatic effort. AP
    Breel Embolo - 6. One of the very few Swiss players who could leave this match with their head held high, having given Dias a real battle for large periods. Came close with an acrobatic effort. AP
  • SUBS: Eray Comert (Schar, HT) - 5. Was very inconsistent as he had some poor moments, although he also stopped a dangerous ball through to Ronaldo and made a great burst forward. Booked for catching Fernandes with an outstretched arm. Getty
    SUBS: Eray Comert (Schar, HT) - 5. Was very inconsistent as he had some poor moments, although he also stopped a dangerous ball through to Ronaldo and made a great burst forward. Booked for catching Fernandes with an outstretched arm. Getty
  • Haris Seferovic (Freuler, 54’) - 4. Had a very minimal impact on the game with Portugal dominating at the other end. Reuters
    Haris Seferovic (Freuler, 54’) - 4. Had a very minimal impact on the game with Portugal dominating at the other end. Reuters
  • Denis Zakaria (Sow, 55’) - 5. Was held off the ball by Carvalho after making a good run, while he saw a shot blocked. Getty
    Denis Zakaria (Sow, 55’) - 5. Was held off the ball by Carvalho after making a good run, while he saw a shot blocked. Getty
  • Noah Okafor (Vargas, 66’) - 5. Lost the ball in the middle of the pitch then found himself chasing shadows. Had some mildly bright moments but his shot attempt was quashed by Fernandes. AP
    Noah Okafor (Vargas, 66’) - 5. Lost the ball in the middle of the pitch then found himself chasing shadows. Had some mildly bright moments but his shot attempt was quashed by Fernandes. AP
  • Ardon Jashari (Embolo, 89’) – N/R. Got on for a World Cup game but there was no chance of him having a notable impact as the game had long gone. Getty
    Ardon Jashari (Embolo, 89’) – N/R. Got on for a World Cup game but there was no chance of him having a notable impact as the game had long gone. Getty
Tips for job-seekers
  • Do not submit your application through the Easy Apply button on LinkedIn. Employers receive between 600 and 800 replies for each job advert on the platform. If you are the right fit for a job, connect to a relevant person in the company on LinkedIn and send them a direct message.
  • Make sure you are an exact fit for the job advertised. If you are an HR manager with five years’ experience in retail and the job requires a similar candidate with five years’ experience in consumer, you should apply. But if you have no experience in HR, do not apply for the job.

David Mackenzie, founder of recruitment agency Mackenzie Jones Middle East

Winners

Ballon d’Or (Men’s)
Ousmane Dembélé (Paris Saint-Germain / France)

Ballon d’Or Féminin (Women’s)
Aitana Bonmatí (Barcelona / Spain)

Kopa Trophy (Best player under 21 – Men’s)
Lamine Yamal (Barcelona / Spain)

Best Young Women’s Player
Vicky López (Barcelona / Spain)

Yashin Trophy (Best Goalkeeper – Men’s)
Gianluigi Donnarumma (Paris Saint-Germain and Manchester City / Italy)

Best Women’s Goalkeeper
Hannah Hampton (England / Aston Villa and Chelsea)

Men’s Coach of the Year
Luis Enrique (Paris Saint-Germain)

Women’s Coach of the Year
Sarina Wiegman (England)

The specs

Engine: 4.0-litre V8 twin-turbocharged and three electric motors

Power: Combined output 920hp

Torque: 730Nm at 4,000-7,000rpm

Transmission: 8-speed dual-clutch automatic

Fuel consumption: 11.2L/100km

On sale: Now, deliveries expected later in 2025

Price: expected to start at Dh1,432,000

ENGLAND SQUAD

Goalkeepers Henderson, Johnstone, Pickford, Ramsdale

Defenders Alexander-Arnold, Chilwell, Coady, Godfrey, James, Maguire, Mings, Shaw, Stones, Trippier, Walker, White

Midfielders Bellingham, Henderson, Lingard, Mount, Phillips, Rice, Ward-Prowse

Forwards Calvert-Lewin, Foden, Grealish, Greenwood, Kane, Rashford, Saka, Sancho, Sterling, Watkins 

MATCH INFO

Euro 2020 qualifier

Norway v Spain, Saturday, 10.45pm, UAE

Ten tax points to be aware of in 2026

1. Domestic VAT refund amendments: request your refund within five years

If a business does not apply for the refund on time, they lose their credit.

2. E-invoicing in the UAE

Businesses should continue preparing for the implementation of e-invoicing in the UAE, with 2026 a preparation and transition period ahead of phased mandatory adoption. 

3. More tax audits

Tax authorities are increasingly using data already available across multiple filings to identify audit risks. 

4. More beneficial VAT and excise tax penalty regime

Tax disputes are expected to become more frequent and more structured, with clearer administrative objection and appeal processes. The UAE has adopted a new penalty regime for VAT and excise disputes, which now mirrors the penalty regime for corporate tax.

5. Greater emphasis on statutory audit

There is a greater need for the accuracy of financial statements. The International Financial Reporting Standards standards need to be strictly adhered to and, as a result, the quality of the audits will need to increase.

6. Further transfer pricing enforcement

Transfer pricing enforcement, which refers to the practice of establishing prices for internal transactions between related entities, is expected to broaden in scope. The UAE will shortly open the possibility to negotiate advance pricing agreements, or essentially rulings for transfer pricing purposes. 

7. Limited time periods for audits

Recent amendments also introduce a default five-year limitation period for tax audits and assessments, subject to specific statutory exceptions. While the standard audit and assessment period is five years, this may be extended to up to 15 years in cases involving fraud or tax evasion. 

8. Pillar 2 implementation 

Many multinational groups will begin to feel the practical effect of the Domestic Minimum Top-Up Tax (DMTT), the UAE's implementation of the OECD’s global minimum tax under Pillar 2. While the rules apply for financial years starting on or after January 1, 2025, it is 2026 that marks the transition to an operational phase.

9. Reduced compliance obligations for imported goods and services

Businesses that apply the reverse-charge mechanism for VAT purposes in the UAE may benefit from reduced compliance obligations. 

10. Substance and CbC reporting focus

Tax authorities are expected to continue strengthening the enforcement of economic substance and Country-by-Country (CbC) reporting frameworks. In the UAE, these regimes are increasingly being used as risk-assessment tools, providing tax authorities with a comprehensive view of multinational groups’ global footprints and enabling them to assess whether profits are aligned with real economic activity. 

Contributed by Thomas Vanhee and Hend Rashwan, Aurifer

Types of fraud

Phishing: Fraudsters send an unsolicited email that appears to be from a financial institution or online retailer. The hoax email requests that you provide sensitive information, often by clicking on to a link leading to a fake website.

Smishing: The SMS equivalent of phishing. Fraudsters falsify the telephone number through “text spoofing,” so that it appears to be a genuine text from the bank.

Vishing: The telephone equivalent of phishing and smishing. Fraudsters may pose as bank staff, police or government officials. They may persuade the consumer to transfer money or divulge personal information.

SIM swap: Fraudsters duplicate the SIM of your mobile number without your knowledge or authorisation, allowing them to conduct financial transactions with your bank.

Identity theft: Someone illegally obtains your confidential information, through various ways, such as theft of your wallet, bank and utility bill statements, computer intrusion and social networks.

Prize scams: Fraudsters claiming to be authorised representatives from well-known organisations (such as Etisalat, du, Dubai Shopping Festival, Expo2020, Lulu Hypermarket etc) contact victims to tell them they have won a cash prize and request them to share confidential banking details to transfer the prize money.

* Nada El Sawy

The National Archives, Abu Dhabi

Founded over 50 years ago, the National Archives collects valuable historical material relating to the UAE, and is the oldest and richest archive relating to the Arabian Gulf.

Much of the material can be viewed on line at the Arabian Gulf Digital Archive - https://www.agda.ae/en

Game Changer

Director: Shankar 

Stars: Ram Charan, Kiara Advani, Anjali, S J Suryah, Jayaram

Rating: 2/5

COMPANY PROFILE

Name: Lamsa

Founder: Badr Ward

Launched: 2014

Employees: 60

Based: Abu Dhabi

Sector: EdTech

Funding to date: $15 million

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

South Africa squad

: Faf du Plessis (captain), Hashim Amla, Temba Bavuma, Quinton de Kock (wkt), Theunis de Bruyn, AB de Villiers, Dean Elgar, Heinrich Klaasen (wkt), Keshav Maharaj, Aiden Markram, Morne Morkel, Chris Morris, Wiaan Mulder, Lungi Ngidi, Duanne Olivier, Vernon Philander and Kagiso Rabada.

The Florida Project

Director: Sean Baker

Starring: Bria Vinaite, Brooklynn Prince, Willem Dafoe

Four stars

UAE SQUAD

Goalkeepers: Ali Khaseif, Fahad Al Dhanhani, Mohammed Al Shamsi, Adel Al Hosani

Defenders: Bandar Al Ahbabi, Shaheen Abdulrahman, Walid Abbas, Mahmoud Khamis, Mohammed Barghash, Khalifa Al Hammadi, Hassan Al Mahrami, Yousef Jaber, Salem Rashid, Mohammed Al Attas, Alhassan Saleh

Midfielders: Ali Salmeen, Abdullah Ramadan, Abdullah Al Naqbi, Majed Hassan, Yahya Nader, Ahmed Barman, Abdullah Hamad, Khalfan Mubarak, Khalil Al Hammadi, Tahnoun Al Zaabi, Harib Abdallah, Mohammed Jumah, Yahya Al Ghassani

Forwards: Fabio De Lima, Caio Canedo, Ali Saleh, Ali Mabkhout, Sebastian Tagliabue, Zayed Al Ameri

The alternatives

• Founded in 2014, Telr is a payment aggregator and gateway with an office in Silicon Oasis. It’s e-commerce entry plan costs Dh349 monthly (plus VAT). QR codes direct customers to an online payment page and merchants can generate payments through messaging apps.

• Business Bay’s Pallapay claims 40,000-plus active merchants who can invoice customers and receive payment by card. Fees range from 1.99 per cent plus Dh1 per transaction depending on payment method and location, such as online or via UAE mobile.

• Tap started in May 2013 in Kuwait, allowing Middle East businesses to bill, accept, receive and make payments online “easier, faster and smoother” via goSell and goCollect. It supports more than 10,000 merchants. Monthly fees range from US$65-100, plus card charges of 2.75-3.75 per cent and Dh1.2 per sale.

2checkout’s “all-in-one payment gateway and merchant account” accepts payments in 200-plus markets for 2.4-3.9 per cent, plus a Dh1.2-Dh1.8 currency conversion charge. The US provider processes online shop and mobile transactions and has 17,000-plus active digital commerce users.

• PayPal is probably the best-known online goods payment method - usually used for eBay purchases -  but can be used to receive funds, providing everyone’s signed up. Costs from 2.9 per cent plus Dh1.2 per transaction.

Notable groups (UAE time)

Jordan Spieth, Si Woo Kim, Henrik Stenson (12.47pm)

Justin Thomas, Justin Rose, Louis Oosthuizen (12.58pm)

Hideki Matsuyama, Brooks Koepka, Tommy Fleetwood (1.09pm)

Sergio Garcia, Jason Day, Zach Johnson (4.04pm)

Rickie Fowler, Paul Casey, Adam Scott (4.26pm)

Dustin Johnson, Charl Schwartzel, Rory McIlroy (5.48pm)

Why are asylum seekers being housed in hotels?

The number of asylum applications in the UK has reached a new record high, driven by those illegally entering the country in small boats crossing the English Channel.

A total of 111,084 people applied for asylum in the UK in the year to June 2025, the highest number for any 12-month period since current records began in 2001.

Asylum seekers and their families can be housed in temporary accommodation while their claim is assessed.

The Home Office provides the accommodation, meaning asylum seekers cannot choose where they live.

When there is not enough housing, the Home Office can move people to hotels or large sites like former military bases.

Explainer: Tanween Design Programme

Non-profit arts studio Tashkeel launched this annual initiative with the intention of supporting budding designers in the UAE. This year, three talents were chosen from hundreds of applicants to be a part of the sixth creative development programme. These are architect Abdulla Al Mulla, interior designer Lana El Samman and graphic designer Yara Habib.

The trio have been guided by experts from the industry over the course of nine months, as they developed their own products that merge their unique styles with traditional elements of Emirati design. This includes laboratory sessions, experimental and collaborative practice, investigation of new business models and evaluation.

It is led by British contemporary design project specialist Helen Voce and mentor Kevin Badni, and offers participants access to experts from across the world, including the likes of UK designer Gareth Neal and multidisciplinary designer and entrepreneur, Sheikh Salem Al Qassimi.

The final pieces are being revealed in a worldwide limited-edition release on the first day of Downtown Designs at Dubai Design Week 2019. Tashkeel will be at stand E31 at the exhibition.

Lisa Ball-Lechgar, deputy director of Tashkeel, said: “The diversity and calibre of the applicants this year … is reflective of the dynamic change that the UAE art and design industry is witnessing, with young creators resolute in making their bold design ideas a reality.”

The five pillars of Islam
MATCH INFO

Uefa Nations League

League A, Group 4
Spain v England, 10.45pm (UAE)

COMPANY PROFILE
Name: Akeed

Based: Muscat

Launch year: 2018

Number of employees: 40

Sector: Online food delivery

Funding: Raised $3.2m since inception 

500 People from Gaza enter France

115 Special programme for artists

25   Evacuation of injured and sick

The five pillars of Islam

1. Fasting 

2. Prayer 

3. Hajj 

4. Shahada 

5. Zakat 

Skoda Superb Specs

Engine: 2-litre TSI petrol

Power: 190hp

Torque: 320Nm

Price: From Dh147,000

Available: Now

Updated: December 07, 2022, 5:44 AM