• Sheikh Hamdan bin Mohammed gestures as he wears a t-shirt bearing the logo of Dubai's 2020 World Expo campaign on top of Burj Khalifa on November 25, 2013. AFP
    Sheikh Hamdan bin Mohammed gestures as he wears a t-shirt bearing the logo of Dubai's 2020 World Expo campaign on top of Burj Khalifa on November 25, 2013. AFP
  • Sheikh Hamdan volunteers in a Dubai marine-clean up drive. WAM
    Sheikh Hamdan volunteers in a Dubai marine-clean up drive. WAM
  • Saudi Crown Prince Mohammed bin Salman (left) speaks with Sheikh Hamdan in 2018. EPA
    Saudi Crown Prince Mohammed bin Salman (left) speaks with Sheikh Hamdan in 2018. EPA
  • Sheikh Hamdan rides his horse during an Equestrian Endurance Championship in Palmyra, 190 km northeast of Damascus in May 2000. AFP
    Sheikh Hamdan rides his horse during an Equestrian Endurance Championship in Palmyra, 190 km northeast of Damascus in May 2000. AFP
  • Sheikh Hamdan bin Mohammed takes part in the men's heats of the Government Games in April 2019. Chris Whiteoak / The National
    Sheikh Hamdan bin Mohammed takes part in the men's heats of the Government Games in April 2019. Chris Whiteoak / The National
  • Sheikh Hamdan does a presentation on screen on day 2 at the World Government Summit at Madinat Jumeirah, Dubai in February this year. Chris Whiteoak / The National
    Sheikh Hamdan does a presentation on screen on day 2 at the World Government Summit at Madinat Jumeirah, Dubai in February this year. Chris Whiteoak / The National
  • Sheikh Hamdan receives Emirati astronauts Hazza Al Mansoori and Sultan Al Neyadi. Wam
    Sheikh Hamdan receives Emirati astronauts Hazza Al Mansoori and Sultan Al Neyadi. Wam
  • Sheikh Hamdan with the Dubai World Cup trophy after Thunder Snow's victory at Meydan Racecourse in Dubai in March. Pawan Singh / The National
    Sheikh Hamdan with the Dubai World Cup trophy after Thunder Snow's victory at Meydan Racecourse in Dubai in March. Pawan Singh / The National
  • Sheikh Hamdan watches a performance of ‘This is Zayed, This is UAE' during the 47th UAE National Day celebrations, at Zayed Sports City in December, 2018. Mohamed Al Hammadi / Ministry of Presidential Affairs
    Sheikh Hamdan watches a performance of ‘This is Zayed, This is UAE' during the 47th UAE National Day celebrations, at Zayed Sports City in December, 2018. Mohamed Al Hammadi / Ministry of Presidential Affairs
  • Sheikh Hamdan pictured during Al Marmoom Heritage Festival at the Al Marmoum Camel Racetrack on April 16, 2014 in Dubai. Getty Images
    Sheikh Hamdan pictured during Al Marmoom Heritage Festival at the Al Marmoum Camel Racetrack on April 16, 2014 in Dubai. Getty Images
  • Actor Damian Lewis and wife Helen McCrory present The Coventry Stakes trophy to Sheikh Hamdan during Royal Ascot 2015 in England. Getty Images for Ascot Racecourse
    Actor Damian Lewis and wife Helen McCrory present The Coventry Stakes trophy to Sheikh Hamdan during Royal Ascot 2015 in England. Getty Images for Ascot Racecourse
  • Sheikh Hamdan attends Cityscape Global at Dubai World Trade Centre on September 11, 2017. Getty Images
    Sheikh Hamdan attends Cityscape Global at Dubai World Trade Centre on September 11, 2017. Getty Images
  • Gold medalist Sheikh Hamdan celebrates on August 29, 2014 on the podium during the medal ceremony of the Individual Endurance competition of the 2014 FEI World Equestrian Games, in the northwestern French city of Caen. AFP
    Gold medalist Sheikh Hamdan celebrates on August 29, 2014 on the podium during the medal ceremony of the Individual Endurance competition of the 2014 FEI World Equestrian Games, in the northwestern French city of Caen. AFP
  • Sheikh Mohammed bin Rashid speaks with his son Sheikh Hamdan during the opening session of Arab Media Forum in Dubai, on May 17, 2011. AFP
    Sheikh Mohammed bin Rashid speaks with his son Sheikh Hamdan during the opening session of Arab Media Forum in Dubai, on May 17, 2011. AFP
  • Sheikh Hamdan and his team, F3, win first place at the Gov Games in Dubai in May 2018. The National
    Sheikh Hamdan and his team, F3, win first place at the Gov Games in Dubai in May 2018. The National

14 facts about Sheikh Hamdan to celebrate 14 years as Crown Prince of Dubai


Sophie Prideaux
  • English
  • Arabic

February 1 marks the anniversary of Sheikh Hamdan bin Mohammed becoming Crown Prince of Dubai.

In his 14 years in the role, Sheikh Hamdan has become a much-loved figure across the UAE and around the world.

His love of adventure and animals, and his forward-thinking nature and passion for the country, have gained him millions of social media followers and countless celebrity friends.

Sheikh Hamdan, regularly referred to by his nickname Fazza, has also been instrumental in shaping Dubai into what it is today, launching initiatives to make the city an even more vibrant, healthy and enjoyable place in which to live and visit.

To celebrate his 14 years as Crown Prince, here are 14 things you need to know about him:

1. Why we call him Fazza

Like his father, Sheikh Mohammed bin Rashid, Vice President and Ruler of Dubai, Sheikh Hamdan writes poetry, which he sometimes shares online.

Fazza means "a person who speeds to the help and support of others". From the Emirati dialect, it's a term often used in Nabati poetry, which is a common art form in the UAE.

Sheikh Hamdan has described his poetry as "my identity and poetic character through which I humbly attempt to rekindle joy in the hearts of people, alleviate their suffering in my own simple way. I express their hopes and aspirations".

Some of his poems have been turned into songs.

2. He is at home in the great outdoors

Whether it be skydiving, jet-skiing, hiking, snowboarding or zip-lining, Dubai's Crown Prince is a verified action man. His adventures are often shared on his Instagram page.

3. He studied at the Royal Military Academy Sandhurst

More than 200 Emiratis have studied at the British military school, including his father, Sheikh Mohammed.

Over the years, Sheikh Hamdan has shared photos from his time at Sandhurst, which he attended after studying at Rashid School For Boys.

Of his education, he told Vision magazine in 2012: "Education is so important in life – it is the key to everything that follows.

"My studies here in Dubai, then in the United Kingdom, opened my eyes to a world of possibilities. Education, knowledge and understanding enable you to look beyond today to new horizons.

“What you learn in prominent military academies like Sandhurst revolves around the values of discipline, responsibility and commitment. These values are practically essential to carry out your responsibilities competently.”

4. He is a keen fisherman

The UAE royal often shares photos of himself free-diving and deep-sea fishing.

A photo of his catch-of-the-day frequently follows soon after:

5. He is a real animal lover

Sheikh Hamdan seems to have a natural affinity with animals – from dogs and falcons to giraffes and baby deer.

He has even gone with a group of UAE conservationists to assist in trimming a giraffe’s hooves.

6. He is particularly passionate about horses

Although many animals are posted on Sheikh Hamdan's Instagram, horses seem to be a favourite.

The royal has ridden horses since childhood, taking part in endurance racing on horseback. He also owns race horses.

Sheikh Hamdan has won international and regional endurance riding medals.

7. He is very fitness-focused

Sheikh Hamdan is on a mission to make the UAE a healthier place.

Through the Dubai Fitness Challenge, he encourages residents of the emirate to workout for 30 minutes a day for 30 consecutive days.

He often posts photos of himself working out, whether it's in a gym, cycling or on an obstacle course, such as Sandstorm DXB, in which he took part in 2017.

8. He is a real family man

Barely a month goes by without a photo of one of his nieces or nephews popping up on his Instagram.

The posts often include a heart emoji, or an "I miss you" message to his young family members.

9. He is a new father

In 2021, Sheikh Hamdan became a first-time father – to twins. The Crown Prince and his wife, Sheikha Sheikha bint Saeed, welcomed a boy and a girl, Rashid and Sheikha, in May.

Since their birth, Sheikh Hamdan has shared a few snippets of the twins on social media, including a post introducing them to his champion horse, Adayar, at Godolphin, the Maktoum family's private stables in the UK.

"Training and education should start early on. Rashid and Shaikha came to see Adayar & wish him the best!", he captioned the snap.

10. He's certainly not afraid of heights

Over the years, Sheikh Hamdan has cemented his reputation as an adrenalin-lover.

But perhaps his scariest exploit was in December, when he climbed to the top of Burj Khalifa, filming himself harnessed on the spire of the world's tallest building.

The video, which he posted alongside the caption “828 metres of excitement”, has been viewed more than 1.8 million times.

Ahead of Ain Dubai opening in October 2021, he also stood on top of one of the observation wheel's pods at the top of the 250-metre structure.

11. He has many celebrity friends

From training with Cristiano Ronaldo to hanging out with UFC champion Khabib Nurmagomedov, Sheikh Hamdan spends time with more than a few A-list celebrities who have become his friends.

He is often pictured meeting stars for meals or in the gym when they visit Dubai. Most recently, he was spotted with Ronaldo visiting SushiSamba on Palm Jumeirah as well as Aura Skypool.

12. He loves photography

For a man who goes on as many adventures as Sheikh Hamdan, it's only natural that an interest in photography should follow.

His Instagram page is awash with stunning photos of Dubai and other landscapes around the world, but he has also been instrumental in attracting other people to the art form, founding the Hamdan International Photography Award in 2011.

13. He is keeping the art of falconry alive across the UAE

  • A Houbara at the falcon centre in Nad Al Sheba. Falcons prey on Houbara. All pictures by Reem Mohammed / The National
    A Houbara at the falcon centre in Nad Al Sheba. Falcons prey on Houbara. All pictures by Reem Mohammed / The National
  • The Karawan bird are also kept at the centre as food for falcons
    The Karawan bird are also kept at the centre as food for falcons
  • A US delegation of wildlife professionals visit the centre
    A US delegation of wildlife professionals visit the centre
  • A US delegation of wildlife professionals visit the centre
    A US delegation of wildlife professionals visit the centre
  • The center belongs to Sheikh Hamdan bin Mohammed, Crown Prince of Dubai
    The center belongs to Sheikh Hamdan bin Mohammed, Crown Prince of Dubai
  • A falcon receives treatment at the centre
    A falcon receives treatment at the centre
  • A US delegation of wildlife professionals visit the centre
    A US delegation of wildlife professionals visit the centre
  • A US delegation visits the private centre
    A US delegation visits the private centre
  • A US delegation visits the private centre
    A US delegation visits the private centre
  • The centre boasts the latest in technology and innovation
    The centre boasts the latest in technology and innovation

Only 15 kilometres inland from Jumeirah Beach, Sheikh Hamdan has a private falconry centre the size of an aircraft hangar.

The "mind-blowing" centre, which The National toured last year, has a falcon hospital and control room.

It plays a crucial part in the Crown Prince's many impressive competition wins in the sport. The centre is home to Fazza's breeding and training programme.

14. He's passionate about the environment

Much like his love for animals, he has also shown his support for many environmental causes over the years.

Most recently, he joined Dubai's Jumeirah Group in its conservation work, releasing turtle hatchlings back into the ocean.

To help mark World Turtle Day in June, Sheikh Hamdan and the team released 45 hawksbill turtles, and 20 hatchlings from the Emirates Marine Environmental Group’s Jebel Ali Reserve.

- An earlier version of this story first appeared on The National in February 2021

Match info

Uefa Champions League Group F

Manchester City v Hoffenheim, midnight (Wednesday, 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

How to wear a kandura

Dos

  • Wear the right fabric for the right season and occasion 
  • Always ask for the dress code if you don’t know
  • Wear a white kandura, white ghutra / shemagh (headwear) and black shoes for work 
  • Wear 100 per cent cotton under the kandura as most fabrics are polyester

Don’ts 

  • Wear hamdania for work, always wear a ghutra and agal 
  • Buy a kandura only based on how it feels; ask questions about the fabric and understand what you are buying
Fourth Arab Economic and Social Development Summit

As he spoke, Mr Aboul Gheit repeatedly referred to the need to tackle issues affecting the welfare of people across the region both in terms of preventing conflict and in pushing development.
Lebanon is scheduled to host the fourth Arab Economic and Social Development Summit in January that will see regional leaders gather to tackle the challenges facing the Middle East. The last such summit was held in 2013. Assistant Secretary-General Hossam Zaki told The National that the Beirut Summit “will be an opportunity for Arab leaders to discuss solely economic and social issues, the conference will not focus on political concerns such as Palestine, Syria or Libya". He added that its slogan will be “the individual is at the heart of development”, adding that it will focus on all elements of human capital.

The%20Roundup
%3Cp%3EDirector%3A%20Lee%20Sang-yong%3Cbr%3EStars%3A%20Ma%20Dong-seok%2C%20Sukku%20Son%2C%20Choi%20Gwi-hwa%3Cbr%3ERating%3A%204%2F5%3C%2Fp%3E%0A
Tamkeen's offering
  • Option 1: 70% in year 1, 50% in year 2, 30% in year 3
  • Option 2: 50% across three years
  • Option 3: 30% across five years 
QUARTER-FINAL

Wales 20-19 France

Wales: T: Wainwright, Moriarty. Cons: Biggar (2) Pens: Biggar 2

France: T: Vahaamahina, Ollivon, Vakatawa Cons: Ntamack (2)

Company%20profile
%3Cp%3EName%3A%20Tabby%3Cbr%3EFounded%3A%20August%202019%3B%20platform%20went%20live%20in%20February%202020%3Cbr%3EFounder%2FCEO%3A%20Hosam%20Arab%2C%20co-founder%3A%20Daniil%20Barkalov%3Cbr%3EBased%3A%20Dubai%2C%20UAE%3Cbr%3ESector%3A%20Payments%3Cbr%3ESize%3A%2040-50%20employees%3Cbr%3EStage%3A%20Series%20A%3Cbr%3EInvestors%3A%20Arbor%20Ventures%2C%20Mubadala%20Capital%2C%20Wamda%20Capital%2C%20STV%2C%20Raed%20Ventures%2C%20Global%20Founders%20Capital%2C%20JIMCO%2C%20Global%20Ventures%2C%20Venture%20Souq%2C%20Outliers%20VC%2C%20MSA%20Capital%2C%20HOF%20and%20AB%20Accelerator.%3Cbr%3E%3C%2Fp%3E%0A
%3Cp%3E%3Cstrong%3ETHE%20SPECS%3C%2Fstrong%3E%0D%3Cbr%3EEngine%3A%203.5-litre%20V6%0D%3Cbr%3ETransmission%3A%209-speed%20automatc%0D%3Cbr%3EPower%3A%20279hp%0D%3Cbr%3ETorque%3A%20350Nm%0D%3Cbr%3EPrice%3A%20From%20Dh250%2C000%0D%3Cbr%3EOn%20sale%3A%20Now%3C%2Fp%3E%0A
The five pillars of Islam
The specs

Engine: 3.0-litre 6-cyl turbo

Power: 435hp at 5,900rpm

Torque: 520Nm at 1,800-5,500rpm

Transmission: 9-speed auto

Price: from Dh498,542

On sale: now

Name: Peter Dicce

Title: Assistant dean of students and director of athletics

Favourite sport: soccer

Favourite team: Bayern Munich

Favourite player: Franz Beckenbauer

Favourite activity in Abu Dhabi: scuba diving in the Northern Emirates 

 

The%20specs%20
%3Cp%3E%3Cstrong%3EEngine%3A%20%3C%2Fstrong%3E2.0-litre%204cyl%20turbo%0D%3Cbr%3E%3Cstrong%3EPower%3A%20%3C%2Fstrong%3E261hp%20at%205%2C500rpm%0D%3Cbr%3E%3Cstrong%3ETorque%3A%20%3C%2Fstrong%3E400Nm%20at%201%2C750-4%2C000rpm%0D%3Cbr%3E%3Cstrong%3ETransmission%3A%20%3C%2Fstrong%3E7-speed%20dual-clutch%20auto%0D%3Cbr%3E%3Cstrong%3EFuel%20consumption%3A%20%3C%2Fstrong%3E10.5L%2F100km%0D%3Cbr%3E%3Cstrong%3EOn%20sale%3A%20%3C%2Fstrong%3ENow%0D%3Cbr%3E%3Cstrong%3EPrice%3A%20%3C%2Fstrong%3EFrom%20Dh129%2C999%20(VX%20Luxury)%3B%20from%20Dh149%2C999%20(VX%20Black%20Gold)%3C%2Fp%3E%0A
Squad

Ali Kasheif, Salim Rashid, Khalifa Al Hammadi, Khalfan Mubarak, Ali Mabkhout, Omar Abdulrahman, Mohammed Al Attas, Abdullah Ramadan, Zayed Al Ameri (Al Jazira), Mohammed Al Shamsi, Hamdan Al Kamali, Mohammed Barghash, Khalil Al Hammadi (Al Wahda), Khalid Essa, Mohammed Shaker, Ahmed Barman, Bandar Al Ahbabi (Al Ain), Al Hassan Saleh, Majid Suroor (Sharjah) Walid Abbas, Ahmed Khalil (Shabab Al Ahli), Tariq Ahmed, Jasim Yaqoub (Al Nasr), Ali Saleh, Ali Salmeen (Al Wasl), Hassan Al Muharami (Baniyas) 

What is Folia?

Prince Khaled bin Alwaleed bin Talal's new plant-based menu will launch at Four Seasons hotels in Dubai this November. A desire to cater to people looking for clean, healthy meals beyond green salad is what inspired Prince Khaled and American celebrity chef Matthew Kenney to create Folia. The word means "from the leaves" in Latin, and the exclusive menu offers fine plant-based cuisine across Four Seasons properties in Los Angeles, Bahrain and, soon, Dubai.

Kenney specialises in vegan cuisine and is the founder of Plant Food Wine and 20 other restaurants worldwide. "I’ve always appreciated Matthew’s work," says the Saudi royal. "He has a singular culinary talent and his approach to plant-based dining is prescient and unrivalled. I was a fan of his long before we established our professional relationship."

Folia first launched at The Four Seasons Hotel Los Angeles at Beverly Hills in July 2018. It is available at the poolside Cabana Restaurant and for in-room dining across the property, as well as in its private event space. The food is vibrant and colourful, full of fresh dishes such as the hearts of palm ceviche with California fruit, vegetables and edible flowers; green hearb tacos filled with roasted squash and king oyster barbacoa; and a savoury coconut cream pie with macadamia crust.

In March 2019, the Folia menu reached Gulf shores, as it was introduced at the Four Seasons Hotel Bahrain Bay, where it is served at the Bay View Lounge. Next, on Tuesday, November 1 – also known as World Vegan Day – it will come to the UAE, to the Four Seasons Resort Dubai at Jumeirah Beach and the Four Seasons DIFC, both properties Prince Khaled has spent "considerable time at and love". 

There are also plans to take Folia to several more locations throughout the Middle East and Europe.

While health-conscious diners will be attracted to the concept, Prince Khaled is careful to stress Folia is "not meant for a specific subset of customers. It is meant for everyone who wants a culinary experience without the negative impact that eating out so often comes with."

The burning issue

The internal combustion engine is facing a watershed moment – major manufacturer Volvo is to stop producing petroleum-powered vehicles by 2021 and countries in Europe, including the UK, have vowed to ban their sale before 2040. The National takes a look at the story of one of the most successful technologies of the last 100 years and how it has impacted life in the UAE. 

Read part four: an affection for classic cars lives on

Read part three: the age of the electric vehicle begins

Read part two: how climate change drove the race for an alternative 

COMPANY PROFILE
Name: Kumulus Water
 
Started: 2021
 
Founders: Iheb Triki and Mohamed Ali Abid
 
Based: Tunisia 
 
Sector: Water technology 
 
Number of staff: 22 
 
Investment raised: $4 million 

THE SPECS

Engine: Four-cylinder 2.5-litre

Transmission: Seven-speed auto

Power: 165hp

Torque: 241Nm

Price: Dh99,900 to Dh134,000

On sale: now

COMPANY%20PROFILE
%3Cp%3E%3Cstrong%3ECompany%3A%3C%2Fstrong%3E%20Vault%3Cbr%3E%3Cstrong%3EStarted%3A%20%3C%2Fstrong%3EJune%202023%3Cbr%3E%3Cstrong%3ECo-founders%3A%20%3C%2Fstrong%3EBilal%20Abou-Diab%20and%20Sami%20Abdul%20Hadi%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EAbu%20Dhabi%3Cbr%3E%3Cstrong%3ELicensed%20by%3A%3C%2Fstrong%3E%20Abu%20Dhabi%20Global%20Market%3Cbr%3E%3Cstrong%3EIndustry%3A%20%3C%2Fstrong%3EInvestment%20and%20wealth%20advisory%3Cbr%3E%3Cstrong%3EFunding%3A%20%3C%2Fstrong%3E%241%20million%3Cbr%3E%3Cstrong%3EInvestors%3A%20%3C%2Fstrong%3EOutliers%20VC%20and%20angel%20investors%3Cbr%3E%3Cstrong%3ENumber%20of%20employees%3A%20%3C%2Fstrong%3E14%3Cbr%3E%3C%2Fp%3E%0A
GAC GS8 Specs

Engine: 2.0-litre 4cyl turbo

Power: 248hp at 5,200rpm

Torque: 400Nm at 1,750-4,000rpm

Transmission: 8-speed auto

Fuel consumption: 9.1L/100km

On sale: Now

Price: From Dh149,900

Key products and UAE prices

iPhone XS
With a 5.8-inch screen, it will be an advance version of the iPhone X. It will be dual sim and comes with better battery life, a faster processor and better camera. A new gold colour will be available.
Price: Dh4,229

iPhone XS Max
It is expected to be a grander version of the iPhone X with a 6.5-inch screen; an inch bigger than the screen of the iPhone 8 Plus.
Price: Dh4,649

iPhone XR
A low-cost version of the iPhone X with a 6.1-inch screen, it is expected to attract mass attention. According to industry experts, it is likely to have aluminium edges instead of stainless steel.
Price: Dh3,179

Apple Watch Series 4
More comprehensive health device with edge-to-edge displays that are more than 30 per cent bigger than displays on current models.

Bob Honey Who Just Do Stuff
By Sean Penn
Simon & Schuster

How to increase your savings
  • Have a plan for your savings.
  • Decide on your emergency fund target and once that's achieved, assign your savings to another financial goal such as saving for a house or investing for retirement.
  • Decide on a financial goal that is important to you and put your savings to work for you.
  • It's important to have a purpose for your savings as it helps to keep you motivated to continue while also reducing the temptation to spend your savings. 

- Carol Glynn, founder of Conscious Finance Coaching

 

 

Voy!%20Voy!%20Voy!
%3Cp%3E%3Cstrong%3EDirector%3A%3C%2Fstrong%3E%20Omar%20Hilal%3Cbr%3E%3Cstrong%3EStars%3A%3C%2Fstrong%3E%20Muhammad%20Farrag%2C%20Bayoumi%20Fouad%2C%20Nelly%20Karim%3Cbr%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%204%2F5%3C%2Fp%3E%0A
New UK refugee system

 

  • A new “core protection” for refugees moving from permanent to a more basic, temporary protection
  • Shortened leave to remain - refugees will receive 30 months instead of five years
  • A longer path to settlement with no indefinite settled status until a refugee has spent 20 years in Britain
  • To encourage refugees to integrate the government will encourage them to out of the core protection route wherever possible.
  • Under core protection there will be no automatic right to family reunion
  • Refugees will have a reduced right to public funds
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The Case For Trump

By Victor Davis Hanson
 

Greatest of All Time
Starring: Vijay, Sneha, Prashanth, Prabhu Deva, Mohan
Director: Venkat Prabhu
Rating: 2/5
Muguruza's singles career in stats

WTA titles 3

Prize money US$11,128,219 (Dh40,873,133.82)

Wins / losses 293 / 149

The biog

Title: General Practitioner with a speciality in cardiology

Previous jobs: Worked in well-known hospitals Jaslok and Breach Candy in Mumbai, India

Education: Medical degree from the Government Medical College in Nagpur

How it all began: opened his first clinic in Ajman in 1993

Family: a 90-year-old mother, wife and two daughters

Remembers a time when medicines from India were purchased per kilo

Financial considerations before buying a property

Buyers should try to pay as much in cash as possible for a property, limiting the mortgage value to as little as they can afford. This means they not only pay less in interest but their monthly costs are also reduced. Ideally, the monthly mortgage payment should not exceed 20 per cent of the purchaser’s total household income, says Carol Glynn, founder of Conscious Finance Coaching.

“If it’s a rental property, plan for the property to have periods when it does not have a tenant. Ensure you have enough cash set aside to pay the mortgage and other costs during these periods, ideally at least six months,” she says. 

Also, shop around for the best mortgage interest rate. Understand the terms and conditions, especially what happens after any introductory periods, Ms Glynn adds.

Using a good mortgage broker is worth the investment to obtain the best rate available for a buyer’s needs and circumstances. A good mortgage broker will help the buyer understand the terms and conditions of the mortgage and make the purchasing process efficient and easier.