Live updates: Follow the latest news on Israel-Gaza
Every night before bed, Gideon Harari unclips his pistol from his right hip and places it on his bedside table. This is not a lifelong routine for the retired military man but one he started two weeks ago following Hamas’s surprise attack on southern Israel.
Mr Harari lives in a moshav, a co-operative community similar to a kibbutz, in the far north, less than 3km from Israel’s northern border with Lebanon.
Hezbollah has long been a part of life for Israeli communities in the north but their presence, just beyond the border, has taken on added significance in recent weeks.
“People cannot bear now, because of what happened in the south, to see Hezbollah on the fence,” Mr Harari, 66, said. “You cannot live under a terror organisation that is 2km from your house.”
He leads his small community’s emergency response team.
His moshav, which usually consists of 700 people, is nearly empty as fears mount that a second front in the Israel-Gaza war could break out on the northern border with Hezbollah.
“The guys that are left in the moshav are the hardcore farmers that won't leave their farms … but for wives and children there is no reason to be here now,” Mr Harari told The National as the sound of Israeli artillery echoed in the distance.
Israel has partially evacuated 42 towns and cities along the border with Lebanon as clashes with Hezbollah have steadily intensified over the course of the last 18 days.
In the city of Kiryat Shmona, the normally bustling streets were empty save for a gaggle of soldiers and civilians, many of whom carry rifles and ammunition.
At a barber shop near the centre of town, which is the largest border city in the north, guns are strewn around.
Soldiers and civilians get hair cuts as they chat about the situation.
One local, who grew agitated after speaking with The National when he learnt the paper was based in the UAE, said while he was afraid, he would never leave the city of his birth and would defend it at all cost.
“This is my home,” the 23-year-old said, “I’m going to defend my home until I die probably.”
Omri Gigi, who runs a Moroccan food shop in Kiryat Shmona, said he sent his wife and four children to stay in a hotel an hour away in the south.
“Honestly, I'm scared,” Mr Gigi said. “And this is just the beginning.”
He said he was unsure how long he would stay in the city, which normally has a population of about 22,000 but has been reduced to a few thousand in recent days.
“The atmosphere is very, very difficult because you see nobody is here,” he said.
There is a feeling of deep uncertainty about what comes next that pervades all of Israel, but it is especially acute in the north where the tit-for-tat exchanges between the Israeli military and Hezbollah have become constant.
Armoured vehicles race down nearly deserted roads, and tanks are carried towards defensive positions along the mountainous border on the back of articulated lorries.
Mr Harari compared the military presence in the north to what it was like during the 1982 Lebanon war, when Israel invaded.
“Everyone is waiting,” said Mr Harari.
As Israel prepares for a widely anticipated ground invasion of the Gaza Strip, it has bolstered its military presence in the north and residents who have chosen to stay behind say they are ready.
“This is our place, our home. Good or bad. It doesn't matter. It's ours and we need to defend it,” Mr Harari said. “We don't have anywhere else to go.”
Hezbollah is a formidable rival, with an estimated 30,000 fighters at the ready and approximately 150,000 rockets and missiles in its arsenal, some of which can reach deep into Israel.
If another round of conflict breaks out between Israel and Hezbollah, there are fears it could drag in other countries, groups and perhaps even the US.
If the north does become a second front, Mr Harari believes the Israeli military must be decisive.
“We should finish with them for once and for all,” he said.
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UAE currency: the story behind the money in your pockets
THE SPECS
Engine: 1.5-litre turbocharged four-cylinder
Transmission: Constant Variable (CVT)
Power: 141bhp
Torque: 250Nm
Price: Dh64,500
On sale: Now
The specs: Volvo XC40
Price: base / as tested: Dh185,000
Engine: 2.0-litre, turbocharged in-line four-cylinder
Gearbox: Eight-speed automatic
Power: 250hp @ 5,500rpm
Torque: 350Nm @ 1,500rpm
Fuel economy, combined: 10.4L / 100km
Multitasking pays off for money goals
Tackling money goals one at a time cost financial literacy expert Barbara O'Neill at least $1 million.
That's how much Ms O'Neill, a distinguished professor at Rutgers University in the US, figures she lost by starting saving for retirement only after she had created an emergency fund, bought a car with cash and purchased a home.
"I tell students that eventually, 30 years later, I hit the million-dollar mark, but I could've had $2 million," Ms O'Neill says.
Too often, financial experts say, people want to attack their money goals one at a time: "As soon as I pay off my credit card debt, then I'll start saving for a home," or, "As soon as I pay off my student loan debt, then I'll start saving for retirement"."
People do not realise how costly the words "as soon as" can be. Paying off debt is a worthy goal, but it should not come at the expense of other goals, particularly saving for retirement. The sooner money is contributed, the longer it can benefit from compounded returns. Compounded returns are when your investment gains earn their own gains, which can dramatically increase your balances over time.
"By putting off saving for the future, you are really inhibiting yourself from benefiting from that wonderful magic," says Kimberly Zimmerman Rand , an accredited financial counsellor and principal at Dragonfly Financial Solutions in Boston. "If you can start saving today ... you are going to have a lot more five years from now than if you decide to pay off debt for three years and start saving in year four."
FIXTURES
Monday, January 28
Iran v Japan, Hazza bin Zayed Stadium (6pm)
Tuesday, January 29
UAEv Qatar, Mohamed Bin Zayed Stadium (6pm)
Friday, February 1
Final, Zayed Sports City Stadium (6pm)
In numbers: China in Dubai
The number of Chinese people living in Dubai: An estimated 200,000
Number of Chinese people in International City: Almost 50,000
Daily visitors to Dragon Mart in 2018/19: 120,000
Daily visitors to Dragon Mart in 2010: 20,000
Percentage increase in visitors in eight years: 500 per cent
Try out the test yourself
Q1 Suppose you had $100 in a savings account and the interest rate was 2 per cent per year. After five years, how much do you think you would have in the account if you left the money to grow?
a) More than $102
b) Exactly $102
c) Less than $102
d) Do not know
e) Refuse to answer
Q2 Imagine that the interest rate on your savings account was 1 per cent per year and inflation was 2 per cent per year. After one year, how much would you be able to buy with the money in this account?
a) More than today
b) Exactly the same as today
c) Less than today
d) Do not know
e) Refuse to answer
Q4 Do you think that the following statement is true or false? “Buying a single company stock usually provides a safer return than a stock mutual fund.”
a) True
b) False
d) Do not know
e) Refuse to answer
The “Big Three” financial literacy questions were created by Professors Annamaria Lusardi of the George Washington School of Business and Olivia Mitchell, of the Wharton School of the University of Pennsylvania.
Answers: Q1 More than $102 (compound interest). Q2 Less than today (inflation). Q3 False (diversification).
Who has lived at The Bishops Avenue?
- George Sainsbury of the supermarket dynasty, sugar magnate William Park Lyle and actress Dame Gracie Fields were residents in the 1930s when the street was only known as ‘Millionaires’ Row’.
- Then came the international super rich, including the last king of Greece, Constantine II, the Sultan of Brunei and Indian steel magnate Lakshmi Mittal who was at one point ranked the third richest person in the world.
- Turkish tycoon Halis Torprak sold his mansion for £50m in 2008 after spending just two days there. The House of Saud sold 10 properties on the road in 2013 for almost £80m.
- Other residents have included Iraqi businessman Nemir Kirdar, singer Ariana Grande, holiday camp impresario Sir Billy Butlin, businessman Asil Nadir, Paul McCartney’s former wife Heather Mills.
Hunting park to luxury living
- Land was originally the Bishop of London's hunting park, hence the name
- The road was laid out in the mid 19th Century, meandering through woodland and farmland
- Its earliest houses at the turn of the 20th Century were substantial detached properties with extensive grounds
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