‘I got stuck at work.”
“I just got my hair done and I don’t want to mess it up.”
“No babysitter.”
“Joining a gym is too expensive.”
“I don’t have time.”
These are some of the standard excuses for not making it to the gym that can be heard around the office or school car park every day. Those who lead fitness classes or are personal trainers know the excuses can be much more creative. Here is one I will never forget, from a woman who didn’t make it to a yoga class: “The reason I couldn’t come is that I fell in love with my children all over again.”
Read more: 5 ways to work your excuses in reverse
Not all excuses are created equal. Sometimes our children get sick, or highways turn into rivers after forceful downpours. At one end of the spectrum are genuine reasons why we couldn’t make it to a workout session on a particular day; on the other is the idea that exerting ourselves will mess up our hair, make-up or nails. In the middle are time and money – valid reasons, but they shouldn’t keep us from our workout. Thrown casually between friends, like a self-handicapping baseball, these excuses are usually caught with a nod of empathy or one-upped by another excuse. But if you turn the excuse upside down and shake it, you will find it full of holes.
We can duck out of meditation or eating broccoli, but avoiding exercise means putting ourselves at risk of heart disease, diabetes, cancer and depression, among others. Not to mention slowing down our metabolism, which makes maintaining a healthy weight difficult. Doctors worldwide generally recommend that adults between the ages of 19 and 64 do 30 minutes of moderate aerobic activity, such as walking or cycling, or 15 minutes of vigorous activity, such as running or tennis, five days a week, plus two or more days of strength exercises for all major muscle groups.
Exercise benefits your mind as much as your body, particularly memory and concentration, according to a 2014 article by Harvard Health Publications, for Harvard Medical School. The article says: “Parts of the brain that control thinking and memory (the prefrontal cortex and medial temporal cortex) have greater volume in people who exercise versus people who don’t.”
There is something for everyone. If you don’t like dragging tyres down the road with a rope, doing burpees by the dozen, or squats until your muscles quiver, you’re not alone. Finding something that you enjoy is half the battle: capoeira, kayaking, tai chi, volleyball and squash. There are clubs and meetup groups around the UAE for badminton, table tennis and even dragon-boat rowing. We don’t make excuses to avoid things we enjoy.
Next time you find yourself wiggling out of an exercise commitment, stop and reflect on why. Psychologists characterise excuses as self-handicapping behaviour. In an effort to protect our self-esteem and avoid failure, and save ourselves against anxiety or shame, we fall into patterns that don’t serve us well in the long run, according to PsyBlog, founded by psychologist Dr Jeremy Dean in which he blogs about published research studies.
For example, sometimes we are reluctant to try a new fitness class because we convince ourselves, ahead of time, that we will be terrible at it. We are so sure this is what will happen that if we do make it to the class, we don’t look around to see that there are many other beginners just like us. But many of us never even get though the door. Just showing up, especially to something new, requires that we take a leap of faith and check our egos at the door. No one is perfect. It’s OK to be mediocre at a new skill. We might be the slowest rider on our first day of spin class, but that means we can only improve.
When it comes to exercise, the inverse of our excuses often yields unexpected returns.
Worried about messing up your hair? Go to yoga with still-damp hair loosely tied back from your face and walk out of class with loose, beachy waves that no salon can match.
No babysitter? Take your kids for a bike ride. Kids who exercise with their parents learn good habits that last a lifetime.
No time? Shut down Facebook for a week and discover hours of time to kill.
There are people who flip their excuses the other way, towards exercise. They stop working overtime and cancel salon appointments and show up, because exercise shifts their moods, clears their minds and makes them feel good from the inside out. Many of these people are working parents with kids in nappies who turn up to work out as if their life depended on it. Which, of course, it does.
FIXTURES
All times UAE ( 4 GMT)
Saturday
Fiorentina v Torino (8pm)
Hellas Verona v Roma (10.45pm)
Sunday
Parma v Napoli (2.30pm)
Genoa v Crotone (5pm)
Sassuolo v Cagliari (8pm)
Juventus v Sampdoria (10.45pm)
Monday
AC Milan v Bologna (10.45om)
Playing September 30
Benevento v Inter Milan (8pm)
Udinese v Spezia (8pm)
Lazio v Atalanta (10.45pm)
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.”
Learn more about Qasr Al Hosn
In 2013, The National's History Project went beyond the walls to see what life was like living in Abu Dhabi's fabled fort:
SUE%20GRAY'S%20FINDINGS
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Bullet%20Train
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A State of Passion
Directors: Carol Mansour and Muna Khalidi
Stars: Dr Ghassan Abu-Sittah
Rating: 4/5
Formula Middle East Calendar (Formula Regional and Formula 4)
Round 1: January 17-19, Yas Marina Circuit – Abu Dhabi
Round 2: January 22-23, Yas Marina Circuit – Abu Dhabi
Round 3: February 7-9, Dubai Autodrome – Dubai
Round 4: February 14-16, Yas Marina Circuit – Abu Dhabi
Round 5: February 25-27, Jeddah Corniche Circuit – Saudi Arabia
Europe’s rearming plan
- Suspend strict budget rules to allow member countries to step up defence spending
- Create new "instrument" providing €150 billion of loans to member countries for defence investment
- Use the existing EU budget to direct more funds towards defence-related investment
- Engage the bloc's European Investment Bank to drop limits on lending to defence firms
- Create a savings and investments union to help companies access capital
Volvo ES90 Specs
Engine: Electric single motor (96kW), twin motor (106kW) and twin motor performance (106kW)
Power: 333hp, 449hp, 680hp
Torque: 480Nm, 670Nm, 870Nm
On sale: Later in 2025 or early 2026, depending on region
Price: Exact regional pricing TBA
More on Turkey's Syria offence
THE SPECS
Engine: 6.75-litre twin-turbocharged V12 petrol engine
Power: 420kW
Torque: 780Nm
Transmission: 8-speed automatic
Price: From Dh1,350,000
On sale: Available for preorder now
Tips for newlyweds to better manage finances
All couples are unique and have to create a financial blueprint that is most suitable for their relationship, says Vijay Valecha, chief investment officer at Century Financial. He offers his top five tips for couples to better manage their finances.
Discuss your assets and debts: When married, it’s important to understand each other’s personal financial situation. It’s necessary to know upfront what each party brings to the table, as debts and assets affect spending habits and joint loan qualifications. Discussing all aspects of their finances as a couple prevents anyone from being blindsided later.
Decide on the financial/saving goals: Spouses should independently list their top goals and share their lists with one another to shape a joint plan. Writing down clear goals will help them determine how much to save each month, how much to put aside for short-term goals, and how they will reach their long-term financial goals.
Set a budget: A budget can keep the couple be mindful of their income and expenses. With a monthly budget, couples will know exactly how much they can spend in a category each month, how much they have to work with and what spending areas need to be evaluated.
Decide who manages what: When it comes to handling finances, it’s a good idea to decide who manages what. For example, one person might take on the day-to-day bills, while the other tackles long-term investments and retirement plans.
Money date nights: Talking about money should be a healthy, ongoing conversation and couples should not wait for something to go wrong. They should set time aside every month to talk about future financial decisions and see the progress they’ve made together towards accomplishing their goals.
Anghami
Started: December 2011
Co-founders: Elie Habib, Eddy Maroun
Based: Beirut and Dubai
Sector: Entertainment
Size: 85 employees
Stage: Series C
Investors: MEVP, du, Mobily, MBC, Samena Capital