The fast pace of change: the motoring year in review


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The 2009 Detroit motor show is a glitz-free zone. Jennifer Granholm, Michigan's governor, appears alongside Rick Wagoner, GM CEO, while enthusiastic staff wave placards declaring "We're here to stay," at one of the car maker's many new product launches. Fiat steps in to help Chrysler by going into partnership with the beleaguered brand. Meanwhile, across the Atlantic, Nissan sheds 1,200 jobs from its Sunderland plant in the United Kingdom. In contrast, Chinese manufacturer Chery, which sells cars in the UAE from a showroom in Sharjah, reports record monthly sales of 35,000 units in its domestic market. Germany sets a trend that other nations will follow throughout 2009 with the introduction of a so-called cash for clunkers scheme to encourage owners of older cars to scrap them in exchange for government money to purchase new cars. However, this did not necessarily prove to be the boon to the car industry that German chancellor Angela Merkel was hoping for, with sales of foreign brands doing very well under the scheme. Quote of the month: "Kill the car, kill the country!" A banner posted by the United Auto Workers union at the Detroit motor show.

GM announces it will be phasing out Saturn, despite a last-ditch effort by Roger Penske to buy the brand. Pontiac would also be phased out, although some niche models will still be on sale through Chevrolet dealerships. Peugeot-Citroën causes uproar by slashing 11,000 jobs in eastern Europe. Leaders in Slovakia and the Czech Republic, both hit hard by the cuts, accuse French president Nicolas Sarkozy of protectionism.

The writing is on the wall for Saab's demise this month with the company filing for bankruptcy protection in Sweden. Chris Bangle, BMW's controversial design director, leaves the company after 17 years. His work divided opinion but often proved commercially successful. He is replaced by Adrian van Hooydonk, formerly head of BMW's US-based industrial design centre DesignworksUSA. Quote of the month: "I guess the Neanderthals and Luddites will have to find something else to kvetch about." Gonzo, an online commentator, lamenting the departure of Chris Bangle.

Rick Wagoner steps down at GM at the behest of the Barack Obama administration and is replaced by company vice-president and chief operating officer Fritz Henderson. "Being part of a turnaround at GM when, frankly, many people don't think it can be done, is exhilarating, if you like challenges," he tells The Financial Times. The British International Motor Show is cancelled for the first time since 1939 when the Second World War interfered, but the Geneva show goes ahead with the BMW 5 Series Gran Turismo unveiled. It is one of the last BMWs from Chris Bangle's reign as design boss.

In Formula One, the Brawn team is formed from the defunct Honda F1 squad by Ross Brawn. With drivers Jenson Button and Rubens Barrichello on board, they place first and second respectively in their debut grand prix in Melbourne on March 28. The Indian car industry showsearly signs of a strong 2009 with Bajaj and Tata Motors both reporting profits for the first quarter. Quote of the month: "Some people may say it's a pity the race finished under the safety car but I don't care, I won the race and that's all I care about." Jenson Button after winning the Australian Grand Prix in his Brawn debut.

Following Germany's lead, the UK launches a car scrappage programme to get old cars off the road. However, the UK scheme has a loophole that means there is no upper limit on the fuel consumption of the new cars. As a result, reports emerge of two buyers purchasing Nissan GT-R performance cars. The Tata Nano, billed as the world's cheapest new car at IR100,000 (Dh7,840), goes on sale in India with 203,000 pre-orders.

Mohammed Ben Sulayem, the former Middle East rally champion and president of the Automobile and Touring Car Club of the UAE, survives crashing a Renault F1 car into a wall at the Dubai Autodrome during a promotional event. Video footage of the incident on YouTube has scored more than 700,000 hits. Quote of the month: "Automatically, women will come forward." R. Sampathkumar, a single, 30-year-old driver in Coimbatore, India, explains his motivation for the purchase of a Tata Nano.

Chrysler shocks nobody when it files for bankruptcy protection. Toyota makes a stunning announcement, revealing that it will make an annual net loss for the first time in 59 years - a not-insignificant US$4.4 billion (Dh16.16 billion). The Abu Dhabi Police unveils a new addition to its motorcycle fleet in the shape of a highly ornate chopper designed by Paul Teutul's team at Orange County Choppers in the US. On a more eco-friendly note, Adnoc announces that natural gas pumps will be installed at 20 filling stations in Abu Dhabi and Sharjah by the end of 2010. Quote of the month: "We were lacking in the scope and speed of dealing with various problems and issues, and for that I am sorry." A repentant Katsuaki Watanabe, Toyota's president, on the company's first-ever loss.

GM starts the month by filing for bankruptcy protection and the US government approved US$62 billion (Dh885.2 billion) in bailout funds for GM and Chrysler, sparking much debate as to whether the government should prop up private companies.

As part of its restructuring plan, GM sells Hummer to Sichuan Tengzhong Heavy Industrial Machinery, a Chinese company, for the relatively knock-down price of US$150 million (Dh551 million). On June 25, President Obama signs the legislation for a US cash for clunkers scheme, which entitles motorists up to US$4,500 (Dh16,529) to purchase fuel-efficient vehicles until November 1. The industry also loses a venerable figure this month when Peter Wheeler, former owner of the TVR sports car company, passed away after a long illness. He was 65 years old. Quote of the month: "I'm being electrocuted!" David Letterman hamming it up by pretending to get a jolt from the Tesla Model S steering wheel when it appeared, along with Tesla CEO Elon Musk, on his late night chat show.

In Europe, it looks like GM would have a buyer for Opel and Vauxhall in the form of Canadian company Magna and a Russian bank, but this meets with heavy criticism from trade unions and the threat of large scale job losses.

Ferrari driver Felipe Massa suffers a serious head injury at the Hungarian Grand Prix and BMW announces it would leave the sport at the end of the season. Massa spends two days in a medically induced coma after the accident and does not return to F1 for the rest of the season. Michael Schumacher is lined up to replace Massa, but a neck injury forces the German to decline. Quote of the month: "They were understandably suspicious about a Wall Street guy who hadn't even been to Detroit in three decades." Steve Rattner on the concerns amongst Democrat party representatives from Michigan that he was the wrong man to advise the Obama administration on the car industry.

It is announced that the US cash for clunkers scheme will end before the planned November 1 deadline after the US$3 billion (Dh10.99 billion) set aside for the project ran out this month. Figures released by the Automotive News Data Centre for the first half of 2009 reveal that Hyundai-Kia has overtaken Ford as the world's fourth largest car maker. Despite posting its first-ever loss, Toyota still comes out on top with 3,564,105 units sold worldwide, a 26 per cent drop on the same period in 2008.

But after spending hundreds of millions of dollars without so much as a win in eight years, Toyota announces that it will leave F1 at the end of the 2009 season. Quote of the month: "A podium won't be enough, especially to make the Japanese happy. Obviously a win or a good result will definitely help everyone." Jarno Trulli on what he felt he had to do to keep his spot in the now-defunct Toyota F1 team.

Official figures from the US Commerce Department shows some rare good news with car sales up. While September sales are 5.3 per cent less than September 2008, they had, at least, increased by 2.7 per cent on August 2009's figures. September is also a month of stunning car launches, providing a much-needed bright spot in 2009. McLaren releases images of the MP4-12C in the lead-up to the Frankfurt motor show.

The Rolls-Royce Ghost, the Bentley Mulsanne, the Aston Martin Rapide, the Mercedes SLS, the Ferrari 458 Italia, a four-door Bugatti concept, the Lamborghini Reventon Roadster, the Maserati Grancabrio and the Jaguar XJ all make their debuts in Frankfurt. Quote of the month: "The young, hip crowd that we've traditionally marketed to is growing up, and we need to consider their maturing tastes." Hello Kitty - or someone dressed as the feline fashion identity - on who will buy the three baby pink, Hello Kitty-themed Mansory Vitesse Rose Bentley GTCs at the Frankfurt motor show.

In further bad news for the struggling car maker, Chrysler Financial, the company's lending department, goes into liquidation. Jenson Button becomes F1 world champion at Sao Paulo, the penultimate race of the season, while his team, Brawn GP, wins the constructors' championship to finish a fairytale season. Former Ferrari sporting director Jean Todt is voted as new FIA president, replacing Max Mosley. Quote of the month:
"If he doesn't get rid of the ancient guard and all the people who worked with Mosley, he won't succeed." Ari Vatanen, the defeated candidate for FIA president on Jean Todt, the new incumbent.

Abu Dhabi trials its first parking meters in a small area of the city's central business district, with promises of more to come. But all eyes are on the capital in November for the Abu Dhabi Grand Prix. Sebastien Vettel wins the race in a Red Bull Racing F1 car.

Mercedes announces it is buying the Brawn GP team, in conjunction with Abu Dhabi's Aabar Investments. On the other side of the world, Jimmie Johnson wins his fourth consecutive Nascar title. Ford continues to prove it is coming out of the recession well by reporting Q3 profit of $1 billion despite the downturn. Meanwhile, Fritz Henderson is forced out of GM after just 246 days. Ed Whitacre, GM's chairman, takes over.

In Europe, months of speculation end when GM announces it will keep Opel and Vauxhall rather than going ahead with a sale to Magna. Also in Europe, the Volkswagen Polo is voted European Car of the Year by 59 members of the automotive press. Quote of the month: "Everyone relates to driving a car and wanting to drive fast. I get to do it legally." Nascar champion Jimmie Johnson on why people love motorsport.

The Dubai motor show proves to be a far more glamorous affair than the Detroit show at the start of the year, with many high-end cars making their Middle East debut. Also in the UAE, plans are announced for unified national driving licences and car registrations, instead of seven separate emirate-specific systems. The new scheme will be known as Injaz, which is Arabic for "accomplishment".

The year ends on a sad note for Saab fans with the brand's future looking increasingly uncertain. Volkswagen turns the tables on Porsche, with VW becoming the luxury car maker's main shareholder. Tata confirms plans for a Nano hybrid and a modified Nano for the US and European markets. Danica Patrick, the first woman to win an IndyCar race last year, announces she will be running a shortened Nascar season in 2010. And at press time, the world of F1 was eagerly awaiting the announcement of Michael Schumacher's potential comeback for the new Mercedes team.

As for the Big Three, their spokespeople are being optimistic. Alan Mulally, Ford's CEO, says the company is "on a path to profitability." And after a wobbly start to 2009, Chrysler announces plans with Fiat to launch a small-to-mid-sized car in Detroit next month. GM starts its loan payments to the US Treasury and Canadian government. Ed Whitacre says his company will finish paying off the debt by June 2010.

Quote of the month: "They've kind of ruined the franchise. They improved the product mechanically, and the reliability factor, but they just didn't market the brand." Neil Patrick, who has been a Saab dealer in the US for 30 years. glewis@thenational.ae

Infiniti QX80 specs

Engine: twin-turbocharged 3.5-liter V6

Power: 450hp

Torque: 700Nm

Price: From Dh450,000, Autograph model from Dh510,000

Available: Now

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West Indies v India - Third ODI

India 251-4 (50 overs)
Dhoni (78*), Rahane (72), Jadhav (40)
Cummins (2-56), Bishoo (1-38)
West Indies 158 (38.1 overs)
Mohammed (40), Powell (30), Hope (24)
Ashwin (3-28), Yadav (3-41), Pandya (2-32)

India won by 93 runs

Skoda Superb Specs

Engine: 2-litre TSI petrol

Power: 190hp

Torque: 320Nm

Price: From Dh147,000

Available: Now

UAE currency: the story behind the money in your pockets
Auron Mein Kahan Dum Tha

Starring: Ajay Devgn, Tabu, Shantanu Maheshwari, Jimmy Shergill, Saiee Manjrekar

Director: Neeraj Pandey

Rating: 2.5/5

CHATGPT%20ENTERPRISE%20FEATURES
%3Cp%3E%E2%80%A2%20Enterprise-grade%20security%20and%20privacy%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Unlimited%20higher-speed%20GPT-4%20access%20with%20no%20caps%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Longer%20context%20windows%20for%20processing%20longer%20inputs%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Advanced%20data%20analysis%20capabilities%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Customisation%20options%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Shareable%20chat%20templates%20that%20companies%20can%20use%20to%20collaborate%20and%20build%20common%20workflows%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Analytics%20dashboard%20for%20usage%20insights%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Free%20credits%20to%20use%20OpenAI%20APIs%20to%20extend%20OpenAI%20into%20a%20fully-custom%20solution%20for%20enterprises%3C%2Fp%3E%0A
'The worst thing you can eat'

Trans fat is typically found in fried and baked goods, but you may be consuming more than you think.

Powdered coffee creamer, microwave popcorn and virtually anything processed with a crust is likely to contain it, as this guide from Mayo Clinic outlines: 

Baked goods - Most cakes, cookies, pie crusts and crackers contain shortening, which is usually made from partially hydrogenated vegetable oil. Ready-made frosting is another source of trans fat.

Snacks - Potato, corn and tortilla chips often contain trans fat. And while popcorn can be a healthy snack, many types of packaged or microwave popcorn use trans fat to help cook or flavour the popcorn.

Fried food - Foods that require deep frying — french fries, doughnuts and fried chicken — can contain trans fat from the oil used in the cooking process.

Refrigerator dough - Products such as canned biscuits and cinnamon rolls often contain trans fat, as do frozen pizza crusts.

Creamer and margarine - Nondairy coffee creamer and stick margarines also may contain partially hydrogenated vegetable oils.

The specs: 2018 Jeep Grand Cherokee Trackhawk


Price, base: Dh399,999
Engine: Supercharged 6.2-litre V8
Gearbox: Eight-speed automatic
Power: 707hp @ 6,000rpm
Torque: 875Nm @ 4,800rpm
Fuel economy, combined: 16.8L / 100km (estimate)

The specs: 2019 Cadillac XT4

Price, base: Dh145,000

Engine: 2.0-litre turbocharged in-line four-cylinder engine

Transmission: Nine-speed automatic

Power: 237hp @ 5,000rpm

Torque: 350Nm @ 1,500rpm

Fuel economy, combined: 8.7L / 100km

Milestones on the road to union

1970

October 26: Bahrain withdraws from a proposal to create a federation of nine with the seven Trucial States and Qatar. 

December: Ahmed Al Suwaidi visits New York to discuss potential UN membership.

1971

March 1:  Alex Douglas Hume, Conservative foreign secretary confirms that Britain will leave the Gulf and “strongly supports” the creation of a Union of Arab Emirates.

July 12: Historic meeting at which Sheikh Zayed and Sheikh Rashid make a binding agreement to create what will become the UAE.

July 18: It is announced that the UAE will be formed from six emirates, with a proposed constitution signed. RAK is not yet part of the agreement.

August 6:  The fifth anniversary of Sheikh Zayed becoming Ruler of Abu Dhabi, with official celebrations deferred until later in the year.

August 15: Bahrain becomes independent.

September 3: Qatar becomes independent.

November 23-25: Meeting with Sheikh Zayed and Sheikh Rashid and senior British officials to fix December 2 as date of creation of the UAE.

November 29:  At 5.30pm Iranian forces seize the Greater and Lesser Tunbs by force.

November 30: Despite  a power sharing agreement, Tehran takes full control of Abu Musa. 

November 31: UK officials visit all six participating Emirates to formally end the Trucial States treaties

December 2: 11am, Dubai. New Supreme Council formally elects Sheikh Zayed as President. Treaty of Friendship signed with the UK. 11.30am. Flag raising ceremony at Union House and Al Manhal Palace in Abu Dhabi witnessed by Sheikh Khalifa, then Crown Prince of Abu Dhabi.

December 6: Arab League formally admits the UAE. The first British Ambassador presents his credentials to Sheikh Zayed.

December 9: UAE joins the United Nations.

About Seez

Company name/date started: Seez, set up in September 2015 and the app was released in August 2017  

Founder/CEO name(s): Tarek Kabrit, co-founder and chief executive, and Andrew Kabrit, co-founder and chief operating officer

Based in: Dubai, with operations also in Kuwait, Saudi Arabia and Lebanon 

Sector:  Search engine for car buying, selling and leasing

Size: (employees/revenue): 11; undisclosed

Stage of funding: $1.8 million in seed funding; followed by another $1.5m bridge round - in the process of closing Series A 

Investors: Wamda Capital, B&Y and Phoenician Funds 

How to apply for a drone permit
  • Individuals must register on UAE Drone app or website using their UAE Pass
  • Add all their personal details, including name, nationality, passport number, Emiratis ID, email and phone number
  • Upload the training certificate from a centre accredited by the GCAA
  • Submit their request
What are the regulations?
  • Fly it within visual line of sight
  • Never over populated areas
  • Ensure maximum flying height of 400 feet (122 metres) above ground level is not crossed
  • Users must avoid flying over restricted areas listed on the UAE Drone app
  • Only fly the drone during the day, and never at night
  • Should have a live feed of the drone flight
  • Drones must weigh 5 kg or less
WHAT FANS WILL LOVE ABOUT RUSSIA

FANS WILL LOVE
Uber is ridiculously cheap and, as Diego Saez discovered, mush safer. A 45-minute taxi from Pulova airport to Saint Petersburg’s Nevsky Prospect can cost as little as 500 roubles (Dh30).

FANS WILL LOATHE
Uber policy in Russia is that they can start the fare as soon as they arrive at the pick-up point — and oftentimes they start it even before arriving, or worse never arrive yet charge you anyway.

FANS WILL LOVE
It’s amazing how active Russians are on social media and your accounts will surge should you post while in the country. Throw in a few Cyrillic hashtags and watch your account numbers rocket.

FANS WILL LOATHE
With cold soups, bland dumplings and dried fish, Russian cuisine is not to everybody’s tastebuds.  Fortunately, there are plenty Georgian restaurants to choose from, which are both excellent and economical.

FANS WILL LOVE
The World Cup will take place during St Petersburg's White Nights Festival, which means perpetual daylight in a city that genuinely never sleeps. (Think toddlers walking the streets with their grandmothers at 4am.)

FANS WILL LOATHE
The walk from Krestovsky Ostrov metro station to Saint Petersburg Arena on a rainy day makes you wonder why some of the $1.7 billion was not spent on a weather-protected walkway.

The specs: 2018 Mazda CX-5

Price, base / as tested: Dh89,000 / Dh130,000
Engine: 2.5-litre four-cylinder
Power: 188hp @ 6,000rpm
Torque: 251Nm @ 4,000rpm
Transmission: Six-speed automatic
​​​​​​​Fuel consumption, combined: 7.1L / 100km

French business

France has organised a delegation of leading businesses to travel to Syria. The group was led by French shipping giant CMA CGM, which struck a 30-year contract in May with the Syrian government to develop and run Latakia port. Also present were water and waste management company Suez, defence multinational Thales, and Ellipse Group, which is currently looking into rehabilitating Syrian hospitals.

Springsteen: Deliver Me from Nowhere

Director: Scott Cooper

Starring: Jeremy Allen White, Odessa Young, Jeremy Strong

Rating: 4/5

Primera Liga fixtures (all times UAE: 4 GMT)

Friday
Real Sociedad v Villarreal (10.15pm)
Real Betis v Celta Vigo (midnight)
Saturday
Alaves v Barcelona (8.15pm)
Levante v Deportivo La Coruna (10.15pm)
Girona v Malaga (10.15pm)
Las Palmas v Atletico Madrid (12.15am)
Sunday
Espanyol v Leganes (8.15pm)
Eibar v Athletic Bilbao (8.15pm)
Getafe v Sevilla (10.15pm)
Real Madrid v Valencia (10.15pm)

Tax authority targets shisha levy evasion

The Federal Tax Authority will track shisha imports with electronic markers to protect customers and ensure levies have been paid.

Khalid Ali Al Bustani, director of the tax authority, on Sunday said the move is to "prevent tax evasion and support the authority’s tax collection efforts".

The scheme’s first phase, which came into effect on 1st January, 2019, covers all types of imported and domestically produced and distributed cigarettes. As of May 1, importing any type of cigarettes without the digital marks will be prohibited.

He said the latest phase will see imported and locally produced shisha tobacco tracked by the final quarter of this year.

"The FTA also maintains ongoing communication with concerned companies, to help them adapt their systems to meet our requirements and coordinate between all parties involved," he said.

As with cigarettes, shisha was hit with a 100 per cent tax in October 2017, though manufacturers and cafes absorbed some of the costs to prevent prices doubling.

Starring: Jamie Foxx, Angela Bassett, Tina Fey

Directed by: Pete Doctor

Rating: 4 stars

UAE currency: the story behind the money in your pockets
MATCH INFO

FA Cup fifth round

Chelsea v Manchester United, Monday, 11.30pm (UAE), BeIN Sports

Countries recognising Palestine

France, UK, Canada, Australia, Portugal, Belgium, Malta, Luxembourg, San Marino and Andorra

 

Other acts on the Jazz Garden bill

Sharrie Williams
The American singer is hugely respected in blues circles due to her passionate vocals and songwriting. Born and raised in Michigan, Williams began recording and touring as a teenage gospel singer. Her career took off with the blues band The Wiseguys. Such was the acclaim of their live shows that they toured throughout Europe and in Africa. As a solo artist, Williams has also collaborated with the likes of the late Dizzy Gillespie, Van Morrison and Mavis Staples.
Lin Rountree
An accomplished smooth jazz artist who blends his chilled approach with R‘n’B. Trained at the Duke Ellington School of the Arts in Washington, DC, Rountree formed his own band in 2004. He has also recorded with the likes of Kem, Dwele and Conya Doss. He comes to Dubai on the back of his new single Pass The Groove, from his forthcoming 2018 album Stronger Still, which may follow his five previous solo albums in cracking the top 10 of the US jazz charts.
Anita Williams
Dubai-based singer Anita Williams will open the night with a set of covers and swing, jazz and blues standards that made her an in-demand singer across the emirate. The Irish singer has been performing in Dubai since 2008 at venues such as MusicHall and Voda Bar. Her Jazz Garden appearance is career highlight as she will use the event to perform the original song Big Blue Eyes, the single from her debut solo album, due for release soon.

Series result

1st ODI Zimbabwe won by 6 wickets

2nd ODI Sri Lanka won by 7 wickets

3rd ODI Sri Lanka won by 8 wickets

4th ODI Zimbabwe won by 4 wickets

5th ODI Zimbabwe won by 3 wickets

Dust and sand storms compared

Sand storm

  • Particle size: Larger, heavier sand grains
  • Visibility: Often dramatic with thick "walls" of sand
  • Duration: Short-lived, typically localised
  • Travel distance: Limited 
  • Source: Open desert areas with strong winds

Dust storm

  • Particle size: Much finer, lightweight particles
  • Visibility: Hazy skies but less intense
  • Duration: Can linger for days
  • Travel distance: Long-range, up to thousands of kilometres
  • Source: Can be carried from distant regions
PAKISTAN SQUAD

Abid Ali, Fakhar Zaman, Imam-ul-Haq, Shan Masood, Azhar Ali (test captain), Babar Azam (T20 captain), Asad Shafiq, Fawad Alam, Haider Ali, Iftikhar Ahmad, Khushdil Shah, Mohammad Hafeez, Shoaib Malik, Mohammad Rizwan (wicketkeeper), Sarfaraz Ahmed (wicketkeeper), Faheem Ashraf, Haris Rauf, Imran Khan, Mohammad Abbas, Mohammad Hasnain, Naseem Shah, Shaheen Afridi, Sohail Khan, Usman Shinwari, Wahab Riaz, Imad Wasim, Kashif Bhatti, Shadab Khan and Yasir Shah. 

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.

THE BIO:

Favourite holiday destination: Thailand. I go every year and I’m obsessed with the fitness camps there.

Favourite book: Born to Run by Christopher McDougall. It’s an amazing story about barefoot running.

Favourite film: A League of their Own. I used to love watching it in my granny’s house when I was seven.

Personal motto: Believe it and you can achieve it.

Benefits of first-time home buyers' scheme
  • Priority access to new homes from participating developers
  • Discounts on sales price of off-plan units
  • Flexible payment plans from developers
  • Mortgages with better interest rates, faster approval times and reduced fees
  • DLD registration fee can be paid through banks or credit cards at zero interest rates