• The new Miss Universe Harnaaz Sandhu of India gestures to the audience after being crowned at the Miss Universe 2021 pageant. EPA
    The new Miss Universe Harnaaz Sandhu of India gestures to the audience after being crowned at the Miss Universe 2021 pageant. EPA
  • Harnaaz Sandhu waves after being crowned Miss Universe. AP Photo
    Harnaaz Sandhu waves after being crowned Miss Universe. AP Photo
  • Miss Universe contestants congratulate Miss India, Harnaaz Sandhu, as she is crowned Miss Universe. AFP
    Miss Universe contestants congratulate Miss India, Harnaaz Sandhu, as she is crowned Miss Universe. AFP
  • India's Harnaaz Sandhu waves after being crowned Miss Universe 2021 during the 70th Miss Universe pageant in Eilat, Israel. AP Photo
    India's Harnaaz Sandhu waves after being crowned Miss Universe 2021 during the 70th Miss Universe pageant in Eilat, Israel. AP Photo
  • Miss Universe 2020 Andrea Meza, right, crowns India's Harnaaz Sandhu as Miss Universe 2021. AP Photo
    Miss Universe 2020 Andrea Meza, right, crowns India's Harnaaz Sandhu as Miss Universe 2021. AP Photo
  • Miss Paraguay Nadia Ferreira, left, embraces Miss India Harnaaz Sandhu after the winner is announced. AFP
    Miss Paraguay Nadia Ferreira, left, embraces Miss India Harnaaz Sandhu after the winner is announced. AFP
  • Miss India Harnaaz Sandhu, right, reacts as she wins Miss Universe 2021. EPA
    Miss India Harnaaz Sandhu, right, reacts as she wins Miss Universe 2021. EPA
  • Outgoing Miss Universe Andrea Meza of Mexico places a crown on the head of Miss Universe winner Harnaaz Sandhu of India. Reuters
    Outgoing Miss Universe Andrea Meza of Mexico places a crown on the head of Miss Universe winner Harnaaz Sandhu of India. Reuters
  • Harnaaz Sandhu poses during the pageant. EPA
    Harnaaz Sandhu poses during the pageant. EPA
  • The top three finalists: Miss South Africa Lalela Mswane, Miss India Harnaaz Sandhu, and Miss Paraguay Nadia Ferreira. EPA
    The top three finalists: Miss South Africa Lalela Mswane, Miss India Harnaaz Sandhu, and Miss Paraguay Nadia Ferreira. EPA
  • Miss India Harnaaz Sandhu during the swimsuit competition of the 70th Miss Universe pageant. AFP
    Miss India Harnaaz Sandhu during the swimsuit competition of the 70th Miss Universe pageant. AFP
  • Harnaaz Sandhu wears a maroon cap-sleeved one-piece swimsuit during the swimwear portion of the competition. AFP
    Harnaaz Sandhu wears a maroon cap-sleeved one-piece swimsuit during the swimwear portion of the competition. AFP
  • US television and pageant host Steve Harvey asks Miss India Harnaaz Sandhu the final question during the 70th Miss Universe competition. AFP
    US television and pageant host Steve Harvey asks Miss India Harnaaz Sandhu the final question during the 70th Miss Universe competition. AFP
  • During the national costume segment, she wore a gold embellished lehenga, and carried a traditional wedding parasol. AFP
    During the national costume segment, she wore a gold embellished lehenga, and carried a traditional wedding parasol. AFP
  • Harnaaz Sandhu during the preliminary stage of the 70th Miss Universe pageant. AFP
    Harnaaz Sandhu during the preliminary stage of the 70th Miss Universe pageant. AFP

Miss Universe new rules: wives and mothers to compete for first time in historic change


  • English
  • Arabic

After more than 70 years, the global Miss Universe pageant is making one of the biggest changes to its selection process.

Starting next year, the annual competition will accept married women and mums.

In an internal memo seen by The National, the organisation says it has always strived to evolve with the times and the latest decision was the natural next step.

"We all believe that women should have agency over their lives and that a human's personal decisions should not be a barrier to their success," the memo said.

The new rules will be effective for the 72nd pageant, to be held in 2023. Preliminary pageants have already taken place for Miss Universe 2022, which will be held later this year.

  • Miss India Harnaaz Sandhu, left, is crowned Miss Universe 2021 by Miss Universe 2020 Andrea Meza from Mexico during the Miss Universe 2021 pageant in Eilat, Israel. Contestants from 80 countries and territories competed in the Miss Universe 2021 pageant. EPA
    Miss India Harnaaz Sandhu, left, is crowned Miss Universe 2021 by Miss Universe 2020 Andrea Meza from Mexico during the Miss Universe 2021 pageant in Eilat, Israel. Contestants from 80 countries and territories competed in the Miss Universe 2021 pageant. EPA
  • Miss India Harnaaz Sandhu reacts as the Miss Universe crown is placed on her head by the outgoing Miss Universe Andrea Meza of Mexico, at the Red Sea resort of Eilat in Israel. Reuters
    Miss India Harnaaz Sandhu reacts as the Miss Universe crown is placed on her head by the outgoing Miss Universe Andrea Meza of Mexico, at the Red Sea resort of Eilat in Israel. Reuters
  • Contestants congratulate Miss Universe 2021 winner Harnaaz Sandhu. Reuters
    Contestants congratulate Miss Universe 2021 winner Harnaaz Sandhu. Reuters
  • Miss Universe contestants congratulate Harnaaz Sandhu as she is crowned Miss Universe during the 70th Miss Universe beauty pageant. AFP
    Miss Universe contestants congratulate Harnaaz Sandhu as she is crowned Miss Universe during the 70th Miss Universe beauty pageant. AFP
  • Miss India Harnaaz Sandhu walks on the stage among celebrations after being crowned Miss Universe 2021. EPA
    Miss India Harnaaz Sandhu walks on the stage among celebrations after being crowned Miss Universe 2021. EPA
  • Miss Universe 2021 Harnaaz Sandhu from India speaks to reporters after winning the 70th Miss Universe beauty pageant. AFP
    Miss Universe 2021 Harnaaz Sandhu from India speaks to reporters after winning the 70th Miss Universe beauty pageant. AFP
  • Miss Universe second runner-up Lalela Mswane from South Africa reacts during the 70th Miss Universe beauty pageant. AFP
    Miss Universe second runner-up Lalela Mswane from South Africa reacts during the 70th Miss Universe beauty pageant. AFP
  • The final three Miss Universe contestants, left to right, Miss South Africa, Lalela Mswane; Miss India, Harnaaz Sandhu; and Miss Paraguay, Nadia Ferreira, pose on stage during the pageant. AFP
    The final three Miss Universe contestants, left to right, Miss South Africa, Lalela Mswane; Miss India, Harnaaz Sandhu; and Miss Paraguay, Nadia Ferreira, pose on stage during the pageant. AFP
  • US singer JoJo performs on stage during the 70th Miss Universe beauty pageant. AFP
    US singer JoJo performs on stage during the 70th Miss Universe beauty pageant. AFP
  • Miss India Harnaaz Sandhu during the swimsuit round of the 70th Miss Universe beauty pageant. AFP
    Miss India Harnaaz Sandhu during the swimsuit round of the 70th Miss Universe beauty pageant. AFP
  • Miss South Africa Lalela Mswane poses in the evening gown competition during the pageant. AFP
    Miss South Africa Lalela Mswane poses in the evening gown competition during the pageant. AFP
  • US television host Steve Harvey asks Miss India Harnaaz Sandhu the final question during the 70th Miss Universe pageant. AFP
    US television host Steve Harvey asks Miss India Harnaaz Sandhu the final question during the 70th Miss Universe pageant. AFP
  • Miss Universe 2021 contestants pose during the pageant. Reuters
    Miss Universe 2021 contestants pose during the pageant. Reuters
  • Miss Universe 2020 Andrea Meza appears during the 70th Miss Universe pageant. AP Photo
    Miss Universe 2020 Andrea Meza appears during the 70th Miss Universe pageant. AP Photo
  • Outgoing Miss Universe Andrea Meza of Mexico poses during the event. Reuters
    Outgoing Miss Universe Andrea Meza of Mexico poses during the event. Reuters
  • Miss France Clemence Botino poses during the swimsuit round at the Miss Universe 2021 pageant. EPA
    Miss France Clemence Botino poses during the swimsuit round at the Miss Universe 2021 pageant. EPA
  • Miss Puerto Rico Michelle Colon poses during the Miss Universe 2021 pageant. EPA
    Miss Puerto Rico Michelle Colon poses during the Miss Universe 2021 pageant. EPA
  • Miss Colombia Valeria Ayos poses during the Miss Universe 2021 pageant. EPA
    Miss Colombia Valeria Ayos poses during the Miss Universe 2021 pageant. EPA
  • Miss USA Elle Smith poses during the Miss Universe pageant. Reuters
    Miss USA Elle Smith poses during the Miss Universe pageant. Reuters
  • Miss India Harnaaz Sandhu and at the pageant. AFP
    Miss India Harnaaz Sandhu and at the pageant. AFP
  • Paraguay's Nadia Ferreira poses during the final round of the 70th Miss Universe pageant. AP Photo
    Paraguay's Nadia Ferreira poses during the final round of the 70th Miss Universe pageant. AP Photo
  • Miss Universe semifinalists pose on stage during the swimsuit competition of the 70th Miss Universe beauty pageant in Israel's southern Red Sea coastal city of Eilat. AFP
    Miss Universe semifinalists pose on stage during the swimsuit competition of the 70th Miss Universe beauty pageant in Israel's southern Red Sea coastal city of Eilat. AFP
  • US television host Steve Harvey hosts the 70th Miss Universe beauty pageant. AFP
    US television host Steve Harvey hosts the 70th Miss Universe beauty pageant. AFP
  • Judges Adriana Lima, left, and Lori Harvey at the 70th Miss Universe pageant. AP Photo
    Judges Adriana Lima, left, and Lori Harvey at the 70th Miss Universe pageant. AP Photo

Previously, only single women, aged between 18 and 28, who have never been married or had children were allowed to apply. It wasn't immediately clear if the age bracket will remain the same.

"The Miss Universe Organisation is always the greatest and most innovative platform of its kind and now it will be more inclusive and welcoming to mothers and married women. For me, this is aligned with what I have been fighting for — breaking stereotypes and unlearning the stigma that the old society has forced on us from many many decades ago," Josh Yugen, chief executive of Yugen Group and the national director of Miss Universe Bahrain tells The National.

Based in New York, Miss Universe Organisation also owns the Miss USA and Miss Teen USA pageants, besides the global Miss Universe pageant.

The contest has been changing with the times. Last year, Miss Universe Bahrain made history by choosing to walk the swimsuit round in fully-covered sportswear.

Manar Nadeem Deyani, then a fashion student living in Dubai, was among 79 contestants who participated at the 2021 pageant. Miss India Harnaaz Sandhu, 21, an actress, was crowned Miss Universe 2021 at the event, held in Eilat in Israel.

  • Miss Universe Bahrain 2021 Manar Nadeem Deyani will soon hand over her crown to her successor at the next pageant. All photos: Yugen Group, unless specified
    Miss Universe Bahrain 2021 Manar Nadeem Deyani will soon hand over her crown to her successor at the next pageant. All photos: Yugen Group, unless specified
  • Manar Nadeem Deyani says her life has completely changed since she was named Miss Universe Bahrain.
    Manar Nadeem Deyani says her life has completely changed since she was named Miss Universe Bahrain.
  • The Miss Universe Bahrain 2022 pageant is set to be held in July.
    The Miss Universe Bahrain 2022 pageant is set to be held in July.
  • Deyani made waves at the Miss Universe pageant in 2021 when she walked out during the swimsuit round in a fully-covered activewear outfit. AP
    Deyani made waves at the Miss Universe pageant in 2021 when she walked out during the swimsuit round in a fully-covered activewear outfit. AP
  • Deyani wore a look inspired by Bahrain's long tradition of pearl diving during the national costume round at Miss Universe 2021.
    Deyani wore a look inspired by Bahrain's long tradition of pearl diving during the national costume round at Miss Universe 2021.
  • Deyani, during the preliminary stage of the 70th Miss Universe beauty pageant, in Israel's southern Red Sea coastal city of Eilat in 2021. AFP
    Deyani, during the preliminary stage of the 70th Miss Universe beauty pageant, in Israel's southern Red Sea coastal city of Eilat in 2021. AFP
  • Applications are now being accepted for Miss Universe Bahrain 2022. While details are still scarce, the event is open to all aspiring beauty queens who are between the ages of 18 to 28, are single and hold a Bahraini passport.
    Applications are now being accepted for Miss Universe Bahrain 2022. While details are still scarce, the event is open to all aspiring beauty queens who are between the ages of 18 to 28, are single and hold a Bahraini passport.
  • Deyani is also a fashion designer and hopes to launch her own label soon, with a focus on sustainability.
    Deyani is also a fashion designer and hopes to launch her own label soon, with a focus on sustainability.
  • Deyani in Eilat, Israel, during the Miss Universe 2021 pageant.
    Deyani in Eilat, Israel, during the Miss Universe 2021 pageant.
  • Participating in the Miss Universe pageant gave her the privilege and the opportunity to 'redefine what a modern Bahraini woman is', says Deyani.
    Participating in the Miss Universe pageant gave her the privilege and the opportunity to 'redefine what a modern Bahraini woman is', says Deyani.
  • Deyani, just after landing in Israel for the Miss Universe pageant in 2021. Photo: Yugen Group
    Deyani, just after landing in Israel for the Miss Universe pageant in 2021. Photo: Yugen Group
  • With her hair stylist Maggie Semaan.
    With her hair stylist Maggie Semaan.
  • Deyani soon after she landed in Israel in 2021.
    Deyani soon after she landed in Israel in 2021.
  • If you are an aspiring Miss Universe, you have to find your purpose, develop your confidence and identify the key messages you want to advocate, advises Deyani.
    If you are an aspiring Miss Universe, you have to find your purpose, develop your confidence and identify the key messages you want to advocate, advises Deyani.

One of Sandhu's winning answers at the pageant was when she was asked for her advice to the young women watching her on how to deal with the pressures they face today.

"I think the biggest pressure the youth today is facing is to believe in themselves; to know that you are unique and that [is] what makes you beautiful," she said. "Stop comparing yourselves with others and let’s talk [about] more important things that [are] happening worldwide. I think this is what you need to understand. Come out and speak for yourself because you are the leader of your life, you are the voice of your own. I believed in myself, and that’s why I’m standing here today."

Miss Universe 2022 beauty queens crowned: Iraq and Lebanon to Thailand — in pictures

  • Miss Universe Turkey 2022 is Aleyana Sirin. Photo: Instagram / Aleyanasirinn
    Miss Universe Turkey 2022 is Aleyana Sirin. Photo: Instagram / Aleyanasirinn
  • Miss Universe Italy 2022 is Virginia Stablum. Photo: / Instagram / Virginia.Stablum
    Miss Universe Italy 2022 is Virginia Stablum. Photo: / Instagram / Virginia.Stablum
  • Miss Universe Kyrgyzstan 2022 is Altynai Botoyarova. Photo: Instagram / botoyarova_altynai
    Miss Universe Kyrgyzstan 2022 is Altynai Botoyarova. Photo: Instagram / botoyarova_altynai
  • Evlin Khalifa, 24, is the second Miss Universe Bahrain. Photo: Miss Universe Bahrain
    Evlin Khalifa, 24, is the second Miss Universe Bahrain. Photo: Miss Universe Bahrain
  • Miss Universe Spain, Alicia Faubel, comes from Alicante and has lived in Dubai and the Philippines. Photo: Instagram / alicia.aliccia
    Miss Universe Spain, Alicia Faubel, comes from Alicante and has lived in Dubai and the Philippines. Photo: Instagram / alicia.aliccia
  • Divita Rai, 23, winner of India's Miss Diva Universe 2022. Photo: Miss Diva
    Divita Rai, 23, winner of India's Miss Diva Universe 2022. Photo: Miss Diva
  • Sophiya Bhujel was crowned Oriflame Miss Universe Nepal 2022. Photo: Miss Universe Nepal
    Sophiya Bhujel was crowned Oriflame Miss Universe Nepal 2022. Photo: Miss Universe Nepal
  • Ndavi Nokeri, winner of Miss Universe South Africa 2022. Photo: Miss South Africa
    Ndavi Nokeri, winner of Miss Universe South Africa 2022. Photo: Miss South Africa
  • Anna Sueangam-iam was named Miss Universe Thailand 2022. Photo: Miss Universe
    Anna Sueangam-iam was named Miss Universe Thailand 2022. Photo: Miss Universe
  • Balsam Hussein when she was declared Miss Iraq 2022. Azhar Al-Rubaie for The National
    Balsam Hussein when she was declared Miss Iraq 2022. Azhar Al-Rubaie for The National
  • Yasmina Zaytoun after being crowned Miss Lebanon 2022 at Forum De Beirut. EPA
    Yasmina Zaytoun after being crowned Miss Lebanon 2022 at Forum De Beirut. EPA
  • Noky Simbani was crowned Miss Universe Great Britain 2022. Photo: Instagram / Miss Universe Great Britain
    Noky Simbani was crowned Miss Universe Great Britain 2022. Photo: Instagram / Miss Universe Great Britain
  • Miss Ukraine 2022 is Viktoria Apanasenko, first runner-up from last year's contest. There was no pageant held this year owing to the war in the country. Photo: Instagram / Viktoria Apanasenko
    Miss Ukraine 2022 is Viktoria Apanasenko, first runner-up from last year's contest. There was no pageant held this year owing to the war in the country. Photo: Instagram / Viktoria Apanasenko
  • Nguyen Thi Ngoc Chau has been named Miss Universe Vietnam 2022. Photo: Facebook / Nguyen Thi Ngoc Chau
    Nguyen Thi Ngoc Chau has been named Miss Universe Vietnam 2022. Photo: Facebook / Nguyen Thi Ngoc Chau
  • Filipino-Italian beauty queen Celeste Cortesi was crowned Miss Universe Philippines 2022 in Manila. EPA-EFE
    Filipino-Italian beauty queen Celeste Cortesi was crowned Miss Universe Philippines 2022 in Manila. EPA-EFE
  • Bhutan is marking its pageant debut this year and Tashi Choden is the country's first beauty queen. Photo: Tashi Choden
    Bhutan is marking its pageant debut this year and Tashi Choden is the country's first beauty queen. Photo: Tashi Choden
  • Laksmi Suardana took the Puteri Indonesia 2022 crown, becoming the first contestant from Bali to enter Miss Universe. Photo: Laksmi Shari De Neefe Suardana
    Laksmi Suardana took the Puteri Indonesia 2022 crown, becoming the first contestant from Bali to enter Miss Universe. Photo: Laksmi Shari De Neefe Suardana
  • Miss Universe Ghana 2022 Engracia Afua K Mofuman was one of the first women to be crowned in 2022, in order to compete in the 71st Miss Universe pageant. Photo: Engracia Mofuman
    Miss Universe Ghana 2022 Engracia Afua K Mofuman was one of the first women to be crowned in 2022, in order to compete in the 71st Miss Universe pageant. Photo: Engracia Mofuman
  • Hanna Kim, from Seoul, will represent South Korea in the next Miss Universe pageant. Photo: Hanna Ming
    Hanna Kim, from Seoul, will represent South Korea in the next Miss Universe pageant. Photo: Hanna Ming
  • The first and last time the Seychelles competed in Miss Universe was 1995 and so, after that 27-year hiatus, Gabriella Gonthier, from Mahe, will be representing her home country. Photo: Gabriella Gonthier/ Miss University Africa
    The first and last time the Seychelles competed in Miss Universe was 1995 and so, after that 27-year hiatus, Gabriella Gonthier, from Mahe, will be representing her home country. Photo: Gabriella Gonthier/ Miss University Africa
  • Amelia Tu, from Vancouver, winner of Miss Universe Canada 2022. Photo: Miss Universe Canada
    Amelia Tu, from Vancouver, winner of Miss Universe Canada 2022. Photo: Miss Universe Canada
  • Miss Universe Jamaica 2022, Toshami Calvin, 26, is the cousin of Miss World 2019 Toni-Ann Singh. Photo: Instagram / officialmissuniversejamaica
    Miss Universe Jamaica 2022, Toshami Calvin, 26, is the cousin of Miss World 2019 Toni-Ann Singh. Photo: Instagram / officialmissuniversejamaica
What can victims do?

Always use only regulated platforms

Stop all transactions and communication on suspicion

Save all evidence (screenshots, chat logs, transaction IDs)

Report to local authorities

Warn others to prevent further harm

Courtesy: Crystal Intelligence

Company Profile

Name: Thndr
Started: 2019
Co-founders: Ahmad Hammouda and Seif Amr
Sector: FinTech
Headquarters: Egypt
UAE base: Hub71, Abu Dhabi
Current number of staff: More than 150
Funds raised: $22 million

The Melbourne Mercer Global Pension Index

The Melbourne Mercer Global Pension Index

Mazen Abukhater, principal and actuary at global consultancy Mercer, Middle East, says the company’s Melbourne Mercer Global Pension Index - which benchmarks 34 pension schemes across the globe to assess their adequacy, sustainability and integrity - included Saudi Arabia for the first time this year to offer a glimpse into the region.

The index highlighted fundamental issues for all 34 countries, such as a rapid ageing population and a low growth / low interest environment putting pressure on expected returns. It also highlighted the increasing popularity around the world of defined contribution schemes.

“Average life expectancy has been increasing by about three years every 10 years. Someone born in 1947 is expected to live until 85 whereas someone born in 2007 is expected to live to 103,” Mr Abukhater told the Mena Pensions Conference.

“Are our systems equipped to handle these kind of life expectancies in the future? If so many people retire at 60, they are going to be in retirement for 43 years – so we need to adapt our retirement age to our changing life expectancy.”

Saudi Arabia came in the middle of Mercer’s ranking with a score of 58.9. The report said the country's index could be raised by improving the minimum level of support for the poorest aged individuals and increasing the labour force participation rate at older ages as life expectancies rise.

Mr Abukhater said the challenges of an ageing population, increased life expectancy and some individuals relying solely on their government for financial support in their retirement years will put the system under strain.

“To relieve that pressure, governments need to consider whether it is time to switch to a defined contribution scheme so that individuals can supplement their own future with the help of government support,” he said.

The bio

Who inspires you?

I am in awe of the remarkable women in the Arab region, both big and small, pushing boundaries and becoming role models for generations. Emily Nasrallah was a writer, journalist, teacher and women’s rights activist

How do you relax?

Yoga relaxes me and helps me relieve tension, especially now when we’re practically chained to laptops and desks. I enjoy learning more about music and the history of famous music bands and genres.

What is favourite book?

The Perks of Being a Wallflower - I think I've read it more than 7 times

What is your favourite Arabic film?

Hala2 Lawen (Translation: Where Do We Go Now?) by Nadine Labaki

What is favourite English film?

Mamma Mia

Best piece of advice to someone looking for a career at Google?

If you’re interested in a career at Google, deep dive into the different career paths and pinpoint the space you want to join. When you know your space, you’re likely to identify the skills you need to develop.  

 

Know your camel milk:
Flavour: Similar to goat’s milk, although less pungent. Vaguely sweet with a subtle, salty aftertaste.
Texture: Smooth and creamy, with a slightly thinner consistency than cow’s milk.
Use it: In your morning coffee, to add flavour to homemade ice cream and milk-heavy desserts, smoothies, spiced camel-milk hot chocolate.
Goes well with: chocolate and caramel, saffron, cardamom and cloves. Also works well with honey and dates.

The%20Color%20Purple
%3Cp%3E%3Cstrong%3EDirector%3A%20%3C%2Fstrong%3EBlitz%20Bazawule%3Cbr%3E%3Cstrong%3EStarring%3A%20%3C%2Fstrong%3EFantasia%20Barrino%2C%20Taraji%20P%20Henson%2C%20Danielle%20Brooks%2C%20Colman%20Domingo%3Cbr%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%204%2F5%3C%2Fp%3E%0A
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.

Part three: an affection for classic cars lives on

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

Read part one: how cars came to the UAE

OPENING FIXTURES

Saturday September 12

Crystal Palace v Southampton

Fulham v Arsenal

Liverpool v Leeds United

Tottenham v Everton

West Brom v Leicester

West Ham  v Newcastle

Monday  September 14

Brighton v Chelsea

Sheffield United v Wolves

To be rescheduled

Burnley v Manchester United

Manchester City v Aston Villa

UAE currency: the story behind the money in your pockets
UAE currency: the story behind the money in your pockets
Our family matters legal consultant

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

if you go

The flights

Flydubai flies to Podgorica or nearby Tivat via Sarajevo from Dh2,155 return including taxes. Turkish Airlines flies from Abu Dhabi and Dubai to Podgorica via Istanbul; alternatively, fly with Flydubai from Dubai to Belgrade and take a short flight with Montenegro Air to Podgorica. Etihad flies from Abu Dhabi to Podgorica via Belgrade. Flights cost from about Dh3,000 return including taxes. There are buses from Podgorica to Plav. 

The tour

While you can apply for a permit for the route yourself, it’s best to travel with an agency that will arrange it for you. These include Zbulo in Albania (www.zbulo.org) or Zalaz in Montenegro (www.zalaz.me).

 

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.”

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.
Dhadak 2

Director: Shazia Iqbal

Starring: Siddhant Chaturvedi, Triptii Dimri 

Rating: 1/5

Frankenstein in Baghdad
Ahmed Saadawi
​​​​​​​Penguin Press

In Full Flight: A Story of Africa and Atonement
John Heminway, Knopff

Jetour T1 specs

Engine: 2-litre turbocharged

Power: 254hp

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MATCH INFO

Chelsea 0

Liverpool 2 (Mane 50', 54')

Red card: Andreas Christensen (Chelsea)

Man of the match: Sadio Mane (Liverpool)

EA Sports FC 26

Publisher: EA Sports

Consoles: PC, PlayStation 4/5, Xbox Series X/S

Rating: 3/5

Mobile phone packages comparison

My Country: A Syrian Memoir

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Starring: Chris O'Dowd, Rose Byrne, Ethan Hawke​​​​​​​
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Dr Afridi's warning signs of digital addiction

Spending an excessive amount of time on the phone.

Neglecting personal, social, or academic responsibilities.

Losing interest in other activities or hobbies that were once enjoyed.

Having withdrawal symptoms like feeling anxious, restless, or upset when the technology is not available.

Experiencing sleep disturbances or changes in sleep patterns.

What are the guidelines?

Under 18 months: Avoid screen time altogether, except for video chatting with family.

Aged 18-24 months: If screens are introduced, it should be high-quality content watched with a caregiver to help the child understand what they are seeing.

Aged 2-5 years: Limit to one-hour per day of high-quality programming, with co-viewing whenever possible.

Aged 6-12 years: Set consistent limits on screen time to ensure it does not interfere with sleep, physical activity, or social interactions.

Teenagers: Encourage a balanced approach – screens should not replace sleep, exercise, or face-to-face socialisation.

Source: American Paediatric Association
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Dr Amal Khalid Alias revealed a recent case of a woman with daughters, who specifically wanted a boy.

A semen analysis of the father showed abnormal sperm so the couple required IVF.

Out of 21 eggs collected, six were unused leaving 15 suitable for IVF.

A specific procedure was used, called intracytoplasmic sperm injection where a single sperm cell is inserted into the egg.

On day three of the process, 14 embryos were biopsied for gender selection.

The next day, a pre-implantation genetic report revealed four normal male embryos, three female and seven abnormal samples.

Day five of the treatment saw two male embryos transferred to the patient.

The woman recorded a positive pregnancy test two weeks later. 

Normal People

Sally Rooney, Faber & Faber
 

PROFILE

Name: Enhance Fitness 

Year started: 2018 

Based: UAE 

Employees: 200 

Amount raised: $3m 

Investors: Global Ventures and angel investors 

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 bio

Job: Coder, website designer and chief executive, Trinet solutions

School: Year 8 pupil at Elite English School in Abu Hail, Deira

Role Models: Mark Zuckerberg and Elon Musk

Dream City: San Francisco

Hometown: Dubai

City of birth: Thiruvilla, Kerala

It Was Just an Accident

Director: Jafar Panahi

Stars: Vahid Mobasseri, Mariam Afshari, Ebrahim Azizi, Hadis Pakbaten, Majid Panahi, Mohamad Ali Elyasmehr

Rating: 4/5

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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

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If you go

Flying

Despite the extreme distance, flying to Fairbanks is relatively simple, requiring just one transfer in Seattle, which can be reached directly from Dubai with Emirates for Dh6,800 return.

 

Touring

Gondwana Ecotours’ seven-day Polar Bear Adventure starts in Fairbanks in central Alaska before visiting Kaktovik and Utqiarvik on the North Slope. Polar bear viewing is highly likely in Kaktovik, with up to five two-hour boat tours included. Prices start from Dh11,500 per person, with all local flights, meals and accommodation included; gondwanaecotours.com 

Sarfira

Director: Sudha Kongara Prasad

Starring: Akshay Kumar, Radhika Madan, Paresh Rawal 

Rating: 2/5

The%20specs
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Updated: August 08, 2022, 5:28 AM