Mars is very strong as it arrives in Leo on the 10th. Martian activity and aggression increase near the stations of the Red Planet. One of the countries that has been detected by the planetary scan is Indonesia. The country's national horoscope is set for December 27, 1949. Mars contacts the horoscopes in that region now, and the planetary pressure increases into the summer. After looking at the history of the country, disturbances are likely to be political, financial or weather-related. For confirmation, we look at the horoscopes of the leaders and past events. President Yudhoyono's horoscope is afflicted. It seems most likely that the population is not pleased with the economy. Oil production has been falling for some time, which gives Yudhoyono's opponents an issue with which to challenge his position.
ARIES (March 20-April 18) The days around the 9th could be difficult for you because the combination of Venus in Aries and Saturn in Libra may mean you are not so readily accepted by the object of your desires.
TAURUS (April 19-May 19) You will be concerned about those who are needy and less fortunate. Remember, different cultures have ideological differences as to how to deal with their plight.
GEMINI (May 20-June 19) You like variety, so this week is good for you. Circumstances will shift and you must be open to whatever happens. A set routine will not work now and appointments will be cancelled.
CANCER (June 20-July 21) Venus and Pluto are strong in the days around the 11th. This combination can bring tension and feelings of possessiveness and jealousy.
LEO (July 22-Aug 21) Mars resumes forward motion in Leo on the 10th. This is a time for all of us, but especially Leos, to start new projects. Mars is a fire planet, and Leo is a fire sign, so this is a fine time for the lion to excel.
VIRGO (Aug 22-Sept 21) This is the type of week that the very exacting Virgo would like to skip. Everything is disorganised, opportunities fly at you randomly and people around you will change their minds frequently.
LIBRA (Sept 22-Oct 22) This week you will have extra responsibilities, so expect tasks to consume more time than usual. Do not scatter your energies - concentrate all your attention on work.
SCORPIO (Oct 23-Nov 20) The asteroid Pallas continues to be very strong in your sign. Pallas is associated with wisdom, so you will see situations more clearly this week and make more accurate decisions.
SAGITTARIUS (Nov 21-Dec 22) In the days around the 9th you might want to evaluate your diet. You may have been consuming foods that are not the best. Your focus should be on nutrition and good health.
CAPRICORN (Dec 23-Jan 19) Interesting new contacts will arise with little effort on your part. Social opportunities may clash with your work schedule, so you will have to pass on some invitations, which is easy for the dedicated Capricorn.
AQUARIUS (Jan 20-Feb 18) The Mars station is opposite your sign, so you feel energised to fire up new projects, but you may find there are obstacles. This can be frustrating, but resist the temptation to blame others.
PISCES (Feb 19-March 19) This is an active time for you. Early in the week there will be a great deal of communication. Do not believe all that you are told. From the 11th to the 12th, communications will be more difficult.
'Falling%20for%20Christmas'
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Company%20Profile
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Key changes
Commission caps
For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:
• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term).
• On the protection component, there is a cap of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).
• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated.
• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.
• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.
Disclosure
Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.
“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”
Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.
Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.
“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.
Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.
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
Specs
Engine: 3.0L twin-turbo V6
Gearbox: 10-speed automatic
Power: 405hp at 5,500rpm
Torque: 562Nm at 3,000rpm
Fuel economy, combined: 11.2L/100km
Price: From Dh292,845 (Reserve); from Dh320,145 (Presidential)
On sale: Now
Water waste
In the UAE’s arid climate, small shrubs, bushes and flower beds usually require about six litres of water per square metre, daily. That increases to 12 litres per square metre a day for small trees, and 300 litres for palm trees.
Horticulturists suggest the best time for watering is before 8am or after 6pm, when water won't be dried up by the sun.
A global report published by the Water Resources Institute in August, ranked the UAE 10th out of 164 nations where water supplies are most stretched.
The Emirates is the world’s third largest per capita water consumer after the US and Canada.
The specs
Engine: 77.4kW all-wheel-drive dual motor
Power: 320bhp
Torque: 605Nm
Transmission: Single-speed automatic
Price: From Dh219,000
On sale: Now
The specs
Engine: 1.5-litre 4-cylinder petrol
Power: 154bhp
Torque: 250Nm
Transmission: 7-speed automatic with 8-speed sports option
Price: From Dh79,600
On sale: Now
Greatest of All Time
Starring: Vijay, Sneha, Prashanth, Prabhu Deva, Mohan
COMPANY%20PROFILE
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Joker: Folie a Deux
Starring: Joaquin Phoenix, Lady Gaga, Brendan Gleeson
Director: Todd Phillips
Rating: 2/5
How to protect yourself when air quality drops
Install an air filter in your home.
Close your windows and turn on the AC.
Shower or bath after being outside.
Wear a face mask.
Stay indoors when conditions are particularly poor.
If driving, turn your engine off when stationary.
COMPANY%20PROFILE
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Profile
Company: Libra Project
Based: Masdar City, ADGM, London and Delaware
Launch year: 2017
Size: A team of 12 with six employed full-time
Sector: Renewable energy
Funding: $500,000 in Series A funding from family and friends in 2018. A Series B round looking to raise $1.5m is now live.
Company%20Profile
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SPECS
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UAE%20PREMIERSHIP
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Chris%20Jordan%20on%20Sanchit
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MATCH INFO
Southampton 0
Manchester City 1 (Sterling 16')
Man of the match: Kevin de Bruyne (Manchester City)
Company%20Profile
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Neymar's bio
Total club appearances 411
Total goals scored 241
Appearances for Barca 186
Goals scored for Barca 105
The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now
Results
Stage 5:
1. Jonas Vingegaard (DEN) Team Jumbo-Visma 04:19:08
2. Tadej Pogacar (SLO) UAE Team Emirates 00:00:03
3. Adam Yates (GBR) Ineos Grenadiers
4. Sergio Higuita (COL) EF Education-Nippo 00:00:05
5. Joao Almeida (POR) Deceuninck-QuickStep 00:00:06
General Classification:
1. Tadej Pogacar (SLO) UAE Team Emirates 17:09:26
2. Adam Yates (GBR) Ineos Grenadiers 00:00:45
3. Joao Almeida (POR) Deceuninck-QuickStep 00:01:12
4. Chris Harper (AUS) Team Jumbo-Visma 00:01:54
5. Neilson Powless (USA) EF Education-Nippo 00:01:56
COMPANY%20PROFILE
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All%20We%20Imagine%20as%20Light
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The Uefa Awards winners
Uefa Men's Player of the Year: Virgil van Dijk (Liverpool)
Uefa Women's Player of the Year: Lucy Bronze (Lyon)
Best players of the 2018/19 Uefa Champions League
Goalkeeper: Alisson (Liverpool)
Defender: Virgil van Dijk (Liverpool)
Midfielder: Frenkie de Jong (Ajax)
Forward: Lionel Messi (Barcelona)
Uefa President's Award: Eric Cantona
HAJJAN
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Six things you need to know about UAE Women’s Special Olympics football team
Several girls started playing football at age four
They describe sport as their passion
The girls don’t dwell on their condition
They just say they may need to work a little harder than others
When not in training, they play football with their brothers and sisters
The girls want to inspire others to join the UAE Special Olympics teams
COMPANY PROFILE
Name: HyperSpace
Started: 2020
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
Based: Dubai, UAE
Sector: Entertainment
Number of staff: 210
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners
Company%20Profile
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The biog
Favourite book: You Are the Placebo – Making your mind matter, by Dr Joe Dispenza
Hobby: Running and watching Welsh rugby
Travel destination: Cyprus in the summer
Life goals: To be an aspirational and passionate University educator, enjoy life, be healthy and be the best dad possible.
COMPANY PROFILE
Initial investment: Undisclosed
Investment stage: Series A
Investors: Core42
Current number of staff: 47
The five pillars of Islam
Mobile phone packages comparison