Pope Francis speaks near the ruins of Al Tahera Church in Mosul’s Old City on March 7. AFP
Pope Francis speaks near the ruins of Al Tahera Church in Mosul’s Old City on March 7. AFP
Pope Francis speaks near the ruins of Al Tahera Church in Mosul’s Old City on March 7. AFP
Pope Francis speaks near the ruins of Al Tahera Church in Mosul’s Old City on March 7. AFP

Pope Francis’s trip to former ISIS stronghold of Mosul shows group's decline


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For many people, Iraq has become a byword for danger and instability. For this reason, Pope Francis's predecessor, Pope Benedict XVI, said the pontiff's Iraq trip was "important but dangerous".

The Pope's incredible, 4,500-kilometre trip across Iraq, passing through five provinces and several cities, was no doubt a challenge for his security team.

The memory of the May 13, 1981 assassination attempt on Pope John Paul II would have been fresh in the minds of Pope Francis’s personal security detail.

For the Iraqis, the memory of UN Special Representative Sergio Vieira de Mello's death in 2003 would also have been a haunting one. To date, de Mello is the highest profile victim of terrorism in Iraq.

Mosul operations

Although the security guards can take pride in a job well done, the failure of ISIS to launch even a symbolic attack points to the group’s astonishing decline.

As recently as January, Iraq’s security forces were coming under attack in the countryside west of Mosul. But compared with past incidents, current ISIS activity is sporadic and attacks are usually small.

This allowed the Iraqi security forces to cordon off Church Square in Mosul, where the Pope delivered his historic call for peace.

  • Pope Francis gestures as he boards a plane to depart for Rome, at Baghdad International Airport in Baghdad. Reuters
    Pope Francis gestures as he boards a plane to depart for Rome, at Baghdad International Airport in Baghdad. Reuters
  • Cardinals and ranking Catholic clergymen board the Alitalia Airbus A330 aircraft as Pope Francis bids farewell to other bishops and Iraq's President Barham Saleh and his wife Sarbagh before departing from the Iraqi capital's Baghdad International. AFP
    Cardinals and ranking Catholic clergymen board the Alitalia Airbus A330 aircraft as Pope Francis bids farewell to other bishops and Iraq's President Barham Saleh and his wife Sarbagh before departing from the Iraqi capital's Baghdad International. AFP
  • Iraq's President Barham Saleh and his wife Sarbagh escort Pope Francis during the farewell ceremony for the pontiff at the Iraqi capital's Baghdad International Airport. AFP
    Iraq's President Barham Saleh and his wife Sarbagh escort Pope Francis during the farewell ceremony for the pontiff at the Iraqi capital's Baghdad International Airport. AFP
  • Pope Francis meets Abdullah Kurdi, father of little Alan, who was shipwrecked with his brother and mother on the Turkish coast in September 2015 while he was trying to reach Europe with his family, at the end of a Mass in the Erbil Stadium. EPA
    Pope Francis meets Abdullah Kurdi, father of little Alan, who was shipwrecked with his brother and mother on the Turkish coast in September 2015 while he was trying to reach Europe with his family, at the end of a Mass in the Erbil Stadium. EPA
  • Nuns cheer and dance at the Franso Hariri Stadium in Erbil, Iraq. Getty Images
    Nuns cheer and dance at the Franso Hariri Stadium in Erbil, Iraq. Getty Images
  • A baby dressed in papal outfit during a mass with Pope Francis at the Erbil Stadium. EPA
    A baby dressed in papal outfit during a mass with Pope Francis at the Erbil Stadium. EPA
  • Nuns take a selfie after the completion of a mass conducted by Pope Francis. Getty Images
    Nuns take a selfie after the completion of a mass conducted by Pope Francis. Getty Images
  • People carry umbrellas as they celebrate after a mass led by Pope Francis at the Franso Hariri Stadium in Erbil, Iraq. Reuters
    People carry umbrellas as they celebrate after a mass led by Pope Francis at the Franso Hariri Stadium in Erbil, Iraq. Reuters
  • Pope Francis conducts mass at the Franso Hariri Stadium. Getty Images
    Pope Francis conducts mass at the Franso Hariri Stadium. Getty Images
  • Monks pray during a mass conducted by Pope Francis at the Franso Hariri Stadium. Getty Images
    Monks pray during a mass conducted by Pope Francis at the Franso Hariri Stadium. Getty Images
  • Pope Francis blesses a statue of the Virgin Mary at a mass at the Franso Hariri Stadium. EPA
    Pope Francis blesses a statue of the Virgin Mary at a mass at the Franso Hariri Stadium. EPA
  • Pope Francis walks with an incense censer as he leads mass at the Franso Hariri Stadium. AFP
    Pope Francis walks with an incense censer as he leads mass at the Franso Hariri Stadium. AFP
  • Pope Francis blesses people as he arrives in the popemobile vehicle at the Franso Hariri Stadium in Erbil. AFP
    Pope Francis blesses people as he arrives in the popemobile vehicle at the Franso Hariri Stadium in Erbil. AFP
  • Pope Francis arrives on the popemobile to celebrate Mass at the Franso Hariri Stadium in Erbil. AP Photo
    Pope Francis arrives on the popemobile to celebrate Mass at the Franso Hariri Stadium in Erbil. AP Photo
  • Nuns wave flags of Iraq, Kurdistan, and the Holy See as they wait for the arrival of Pope Francis at the Franso Hariri Stadium in Erbil. AFP
    Nuns wave flags of Iraq, Kurdistan, and the Holy See as they wait for the arrival of Pope Francis at the Franso Hariri Stadium in Erbil. AFP
  • A faithful waits for Pope Francis to hold Mass at Franso Hariri Stadium in Erbil. Reuters
    A faithful waits for Pope Francis to hold Mass at Franso Hariri Stadium in Erbil. Reuters
  • Pope Francis blessing people as he arrives in the popemobile vehicle at the Franso Hariri Stadium. AFP
    Pope Francis blessing people as he arrives in the popemobile vehicle at the Franso Hariri Stadium. AFP
  • Young women dressed in traditional Kurdish clothing wave flags of the Holy See as they wait for the arrival of Pope Francis at the Franso Hariri Stadium in Erbil. AFP
    Young women dressed in traditional Kurdish clothing wave flags of the Holy See as they wait for the arrival of Pope Francis at the Franso Hariri Stadium in Erbil. AFP
  • Pope Francis arrives to hold a mass at the Grand Immaculate Church, in Qaraqosh. Reuters
    Pope Francis arrives to hold a mass at the Grand Immaculate Church, in Qaraqosh. Reuters
  • Pope Francis is greeted by people as he arrives at the Syriac Catholic Church of the Immaculate Conception (al-Tahira-l-Kubra), in the predominantly Christian town of Qaraqosh. AFP
    Pope Francis is greeted by people as he arrives at the Syriac Catholic Church of the Immaculate Conception (al-Tahira-l-Kubra), in the predominantly Christian town of Qaraqosh. AFP
  • Pope Francis arrives at a meeting with local residents at the Church of the Immaculate Conception in Qaraqosh. AP Photo
    Pope Francis arrives at a meeting with local residents at the Church of the Immaculate Conception in Qaraqosh. AP Photo
  • Pope Francis visits the town before holding a mass at the Grand Immaculate Church, in Qaraqosh. Reuters
    Pope Francis visits the town before holding a mass at the Grand Immaculate Church, in Qaraqosh. Reuters
  • Pope Francis releases a white dove during a prayer for war victims at 'Hosh al-Bieaa', Church Square, in Mosul's Old City. Reuters
    Pope Francis releases a white dove during a prayer for war victims at 'Hosh al-Bieaa', Church Square, in Mosul's Old City. Reuters
  • Pope Francis rides in a golf cart at the ruins of the Syriac Catholic Church of the Immaculate Conception. AFP
    Pope Francis rides in a golf cart at the ruins of the Syriac Catholic Church of the Immaculate Conception. AFP
  • A nun kisses the hand of Pope Francis during a prayer for war victims at 'Hosh al-Bieaa', Church Square, in Mosul's Old City. Reuters
    A nun kisses the hand of Pope Francis during a prayer for war victims at 'Hosh al-Bieaa', Church Square, in Mosul's Old City. Reuters
  • Pope Francis arrives to pray for war victims at 'Hosh al-Bieaa', Church Square, in Mosul's old city. Reuters
    Pope Francis arrives to pray for war victims at 'Hosh al-Bieaa', Church Square, in Mosul's old city. Reuters
  • Pope Francis attends a prayer for the victims of the war at Church Square, Mosul. EPA
    Pope Francis attends a prayer for the victims of the war at Church Square, Mosul. EPA
  • Pope Francis and the leader of the Kurdistan Democratic Party (KDP) Masud Barzani viewing a gift sculpture of a Chaldean cross during their meeting in Arbil, the capital of Iraq's northern autonomous Kurdish region. AFP
    Pope Francis and the leader of the Kurdistan Democratic Party (KDP) Masud Barzani viewing a gift sculpture of a Chaldean cross during their meeting in Arbil, the capital of Iraq's northern autonomous Kurdish region. AFP
  • Pope Francis meeting with the President of the autonomous Kurdistan Region Nechirvan Barzani, the Prime Minister of the 9th cabinet of the Kurdistan Regional Government Mansour Barzani, and the leader of the Kurdistan Democratic Party (KDP) Masud Barzani in Arbil. AFP
    Pope Francis meeting with the President of the autonomous Kurdistan Region Nechirvan Barzani, the Prime Minister of the 9th cabinet of the Kurdistan Regional Government Mansour Barzani, and the leader of the Kurdistan Democratic Party (KDP) Masud Barzani in Arbil. AFP
  • Pope Francis greets Iraqis dressed in traditional outfits upon his arrival at Erbil airport, in the capital of the northern Iraqi Kurdish autonomous region. AFP
    Pope Francis greets Iraqis dressed in traditional outfits upon his arrival at Erbil airport, in the capital of the northern Iraqi Kurdish autonomous region. AFP
  • Pope Francis walks with Masrour Barzani, Prime Minister of Kurdistan region, and President of the Kurdistan region in Iraq Nechirvan Barzani, upon his arrival at Erbil International Airport. Reuters
    Pope Francis walks with Masrour Barzani, Prime Minister of Kurdistan region, and President of the Kurdistan region in Iraq Nechirvan Barzani, upon his arrival at Erbil International Airport. Reuters
  • Iraqi women dressed in traditional outfits hold palm leafs as they welcome Pope Francis upon his arrival at Erbil airport. AFP
    Iraqi women dressed in traditional outfits hold palm leafs as they welcome Pope Francis upon his arrival at Erbil airport. AFP
  • Mansour Barzani, Prime Minister of the 9th cabinet of the Kurdistan Regional Government looks on , as Pope Francis greets religious dignitaries at the Erbil airport. AFP
    Mansour Barzani, Prime Minister of the 9th cabinet of the Kurdistan Regional Government looks on , as Pope Francis greets religious dignitaries at the Erbil airport. AFP
  • Pope Francis arrives at Erbil International Airport in Iraq. Reuters
    Pope Francis arrives at Erbil International Airport in Iraq. Reuters
  • Pope Francis is welcomed at Erbil International Airport in Erbil. Reuters
    Pope Francis is welcomed at Erbil International Airport in Erbil. Reuters
  • Pope Francis greets people as he leave the Chaldean Cathedral of Saint Joseph. Getty Images
    Pope Francis greets people as he leave the Chaldean Cathedral of Saint Joseph. Getty Images
  • Pope Francis leads mass at Baghdad's Saint Joseph Cathedral. AFP
    Pope Francis leads mass at Baghdad's Saint Joseph Cathedral. AFP
  • Iraqi Christian worshippers attend the mass led by the Pope at Baghdad's Saint Joseph Cathedral. AFP
    Iraqi Christian worshippers attend the mass led by the Pope at Baghdad's Saint Joseph Cathedral. AFP
  • Pope Francis greeted by children upon his arrival for a mass at Baghdad's Saint Joseph Cathedral. AFP
    Pope Francis greeted by children upon his arrival for a mass at Baghdad's Saint Joseph Cathedral. AFP
  • Pope Francis blesses the congregation as he leads mass at Baghdad's Saint Joseph Cathedral. AFP
    Pope Francis blesses the congregation as he leads mass at Baghdad's Saint Joseph Cathedral. AFP
  • Pope Francis arrives to lead mass at Baghdad's Saint Joseph Cathedral. AFP
    Pope Francis arrives to lead mass at Baghdad's Saint Joseph Cathedral. AFP
  • Pope Francis is greeted by children upon his arrival at Baghdad's Saint Joseph Cathedral. AFP
    Pope Francis is greeted by children upon his arrival at Baghdad's Saint Joseph Cathedral. AFP
  • People take pictures with their mobiles upon the arrival of Pope Francis. Reuters
    People take pictures with their mobiles upon the arrival of Pope Francis. Reuters
  • Pope Francis speaks to Iraqi religious figures during an interfaith service at the House of Abraham in the ancient city of Ur in Iraq's southern Dhi Qar province. EPA
    Pope Francis speaks to Iraqi religious figures during an interfaith service at the House of Abraham in the ancient city of Ur in Iraq's southern Dhi Qar province. EPA
  • Pope Francis speaks to Iraqi religious figures during an interfaith service at the House of Abraham in the ancient city of Ur. EPA
    Pope Francis speaks to Iraqi religious figures during an interfaith service at the House of Abraham in the ancient city of Ur. EPA
  • Pope Francis speaks to Iraqi religious figures during an interfaith service at the House of Abraham in the ancient city of Ur. EPA
    Pope Francis speaks to Iraqi religious figures during an interfaith service at the House of Abraham in the ancient city of Ur. EPA
  • Pope Francis is seen behind flowers at an interfaith service at the House of Abraham in the ancient city of Ur. EPA
    Pope Francis is seen behind flowers at an interfaith service at the House of Abraham in the ancient city of Ur. EPA
  • Pope Francis smiles and waves at a women that threw a kiss to him. Haider Husseini/ The National
    Pope Francis smiles and waves at a women that threw a kiss to him. Haider Husseini/ The National
  • People attend an inter-religious ceremony in Ur near Nassiriya. Reuters
    People attend an inter-religious ceremony in Ur near Nassiriya. Reuters
  • Grand Ayatollah Ali al-Sistani meeting with Pope Francis and his delegation, at his home in the holy city of Najaf. AFP
    Grand Ayatollah Ali al-Sistani meeting with Pope Francis and his delegation, at his home in the holy city of Najaf. AFP
  • Pope Francis, accompanied by clerics, and Iraq's top Shiite cleric, Grand Ayatollah Ali Al Sistani, meet in Najaf. Courtesy of the Vatican
    Pope Francis, accompanied by clerics, and Iraq's top Shiite cleric, Grand Ayatollah Ali Al Sistani, meet in Najaf. Courtesy of the Vatican
  • Pope Francis's meeting with Iraq's top Shiite cleric, Grand Ayatollah Ali Al Sistani, in Najaf, followed months of negotiations between Najaf and the Vatican. Reuters
    Pope Francis's meeting with Iraq's top Shiite cleric, Grand Ayatollah Ali Al Sistani, in Najaf, followed months of negotiations between Najaf and the Vatican. Reuters
  • Pope Francis smiles with Iraq's prime minister Mustafa Al Kadhimi on arrival at Baghdad airport. Handout from the office of the Prime Minister of Iraq
    Pope Francis smiles with Iraq's prime minister Mustafa Al Kadhimi on arrival at Baghdad airport. Handout from the office of the Prime Minister of Iraq
  • The Pope visits Our Lady of Salvation Church. Courtesy of the Prime Minister office
    The Pope visits Our Lady of Salvation Church. Courtesy of the Prime Minister office
  • Pope Francis is welcomed upon his arrival at the Our Lady of Salvation Church. AP Photo
    Pope Francis is welcomed upon his arrival at the Our Lady of Salvation Church. AP Photo
  • Pope Francis speaks in the Our Lady of Salvation Church. AFP
    Pope Francis speaks in the Our Lady of Salvation Church. AFP
  • Pope Francis greets people in front of the the Our Lady of Salvation Church. AFP
    Pope Francis greets people in front of the the Our Lady of Salvation Church. AFP
  • Nuns welcome Pope Francis at the Our Lady of Salvation Church. AFP
    Nuns welcome Pope Francis at the Our Lady of Salvation Church. AFP
  • Iraq's President Barham Salih speaks with Pope Francis during a welcoming ceremony at the Presidental Palace in Baghdad. Reuters
    Iraq's President Barham Salih speaks with Pope Francis during a welcoming ceremony at the Presidental Palace in Baghdad. Reuters
  • Iraqi President Barham Salih welcomes Pope Francis at the Presidential Palace. AFP
    Iraqi President Barham Salih welcomes Pope Francis at the Presidential Palace. AFP
  • Pope Francis walk with Iraq's prime minister Mustafa Al Kadhimi on arrival at Baghdad airport. Handout from the office of the Prime Minister of Iraq
    Pope Francis walk with Iraq's prime minister Mustafa Al Kadhimi on arrival at Baghdad airport. Handout from the office of the Prime Minister of Iraq
  • Pope Francis talks with Iraq's prime minister Mustafa Al Kadhimi on arrival in Baghdad. Handout from the office of the Prime Minister of Iraq
    Pope Francis talks with Iraq's prime minister Mustafa Al Kadhimi on arrival in Baghdad. Handout from the office of the Prime Minister of Iraq
  • Pope Francis walks with Iraq's prime minister Mustafa Al Kadhimi on arrival at Baghdad airport. Handout from the office of the Prime Minister of Iraq
    Pope Francis walks with Iraq's prime minister Mustafa Al Kadhimi on arrival at Baghdad airport. Handout from the office of the Prime Minister of Iraq
  • Pope Francis walks alongside Iraq's Prime Minister Mustafa Al Kadhimi upon his arrival in Baghdad. AFP
    Pope Francis walks alongside Iraq's Prime Minister Mustafa Al Kadhimi upon his arrival in Baghdad. AFP
  • Pope Francis waves to the crowd upon his arrival in Baghdad. Reuters
    Pope Francis waves to the crowd upon his arrival in Baghdad. Reuters
  • Pope Francis speaks to journalists aboard the plane heading to Iraq. AP Photo
    Pope Francis speaks to journalists aboard the plane heading to Iraq. AP Photo
  • Pope Francis waves as he boards the plane for his visit to Iraq, at Leonardo da Vinci-Fiumicino Airport in Rome, Italy. Reuters
    Pope Francis waves as he boards the plane for his visit to Iraq, at Leonardo da Vinci-Fiumicino Airport in Rome, Italy. Reuters
  • People holding Iraqi and Vatican flags as they wait for the arrival of Pope Francis, at Baghdad Airport Road, in Baghdad, Iraq. Reuters
    People holding Iraqi and Vatican flags as they wait for the arrival of Pope Francis, at Baghdad Airport Road, in Baghdad, Iraq. Reuters
  • A Christian woman holds the Vatican flag as she heads to the airport to wait for the arrival of Pope Francis, in Baghdad, Iraq. Reuters
    A Christian woman holds the Vatican flag as she heads to the airport to wait for the arrival of Pope Francis, in Baghdad, Iraq. Reuters

The absence of even a symbolic attack during the papal visit does not signal some newfound respect for the Pope among the ranks of ISIS.

As far back as 2015, ISIS propaganda magazine Dabiq showed an image of Vatican City's St Peter's Square on its cover, with the terrorist group's black flag flying aloft.

ISIS had almost four months to plan something, following the Vatican’s announcement of the visit in December last year.

In the past, this would have been more than enough time.

During the rise of the group in Iraq in late 2013, the Institute for the Study of War reported that the forerunner of ISIS was conducting synchronised attacks across Iraq on a monthly basis. At times it detonated more than 10 car bombs in different cities at the same time.

ISIS in decline?

“I was a bit surprised they didn’t do anything but, then again, they’ve done little since November, so it fit into the pattern,” said Joel Wing, an analyst in the US who has been tracking violence levels in Iraq since 2008.

“It might be a lull before their annual spring offensive. It might be because they’re regrouping after their recent leadership losses.”

“Either way this is the fewest attacks since 2003,” he says, referring to overall terrorist violence.

Alex Almeida, an analyst with Horizon Client Access, agrees that the group has been in long-term decline.

“I was a bit worried they would pull off a symbolic, low-capability attack like a bomb in a trashcan or backpack bombing outside the stadium in Erbil, or a lone gunman shooting up a crowd or hotel,” he said.

Mr Almeida said ISIS in its current form is struggling to co-ordinate nationally, as it did successfully in the past.

"They really are struggling to keep up even a low-level pattern of attacks right now. It increasingly feels like ISIS in Iraq is disaggregating into a bunch of separate local micro-insurgencies, remaining cells in north Diyala and rural Kirkuk," he said.

“The underlying drumbeat of attacks that provided a sort of background ‘critical mass’ to the insurgency feels like it’s mostly gone.”

An Iraqi army soldier stands patrol outside the Immaculate Conception Church during preparations for Pope Francis' trip to Iraq in Qaraqosh. AP Photo
An Iraqi army soldier stands patrol outside the Immaculate Conception Church during preparations for Pope Francis' trip to Iraq in Qaraqosh. AP Photo

In other words, ISIS has not only lost men and resources, but has also lost almost all of its support among Sunni communities in Iraq. That base of support is the essence of what an insurgency is, an armed movement depending on a degree of local co-operation.

The Iraqi security forces now have  a celebrated counter-intelligence branch known as the Falcons and an elite, US-trained force known as the Counter Terrorism Service. Thousands of other soldiers and police were also able to control public movement in areas the Pope visited.

But hundreds of thousands of Iraqi soldiers on regular operations could not stop ISIS attacks in the past.

"The preparations on the ground and from the sky made it very difficult for anyone to launch attacks, big or small, or even infiltrate the areas the Pope visited," a Ministry of Interior security source, who wished to remain anonymous, told The National.

"There were many security cordons on the ground in addition to the full lockdown that helped us restrict individuals' movement, and there were drones and helicopters hovering overhead in all areas," he said.

“To carry out any attack, there should be a group of about five or more to offer logistical support or cover, who can move freely. So anyone, whether ISIS or militias, realised that conditions weren’t perfect.”

The security source said he was surprised the group was silent on the papal visit.

“To be honest, we don’t know why ISIS didn’t issue a statement, but what I can say is that ISIS today is not the one we saw more than six years ago,” he says.

“Not only has their military capability been heavily degraded, but also their presence on social media and their ability to share materials, whether visual or text.”

But the security officer said that this was no reason for Iraqi forces to drop their guard.

“Maybe we can see something on that in the near future,” he said.

Disclaimer

Director: Alfonso Cuaron 

Stars: Cate Blanchett, Kevin Kline, Lesley Manville 

Rating: 4/5

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Classification of skills

A worker is categorised as skilled by the MOHRE based on nine levels given in the International Standard Classification of Occupations (ISCO) issued by the International Labour Organisation. 

A skilled worker would be someone at a professional level (levels 1 – 5) which includes managers, professionals, technicians and associate professionals, clerical support workers, and service and sales workers.

The worker must also have an attested educational certificate higher than secondary or an equivalent certification, and earn a monthly salary of at least Dh4,000. 

Ultra processed foods

- Carbonated drinks, sweet or savoury packaged snacks, confectionery, mass-produced packaged breads and buns 

- margarines and spreads; cookies, biscuits, pastries, cakes, and cake mixes, breakfast cereals, cereal and energy bars;

- energy drinks, milk drinks, fruit yoghurts and fruit drinks, cocoa drinks, meat and chicken extracts and instant sauces

- infant formulas and follow-on milks, health and slimming products such as powdered or fortified meal and dish substitutes,

- many ready-to-heat products including pre-prepared pies and pasta and pizza dishes, poultry and fish nuggets and sticks, sausages, burgers, hot dogs, and other reconstituted meat products, powdered and packaged instant soups, noodles and desserts.

Specs

Engine: 51.5kW electric motor

Range: 400km

Power: 134bhp

Torque: 175Nm

Price: From Dh98,800

Available: Now

UAE currency: the story behind the money in your pockets
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
The President's Cake

Director: Hasan Hadi

Starring: Baneen Ahmad Nayyef, Waheed Thabet Khreibat, Sajad Mohamad Qasem 

Rating: 4/5

The specs
Engine: 2.0-litre turbo 4-cyl

Transmission: eight-speed auto

Power: 190bhp

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Why it pays to compare

A comparison of sending Dh20,000 from the UAE using two different routes at the same time - the first direct from a UAE bank to a bank in Germany, and the second from the same UAE bank via an online platform to Germany - found key differences in cost and speed. The transfers were both initiated on January 30.

Route 1: bank transfer

The UAE bank charged Dh152.25 for the Dh20,000 transfer. On top of that, their exchange rate margin added a difference of around Dh415, compared with the mid-market rate.

Total cost: Dh567.25 - around 2.9 per cent of the total amount

Total received: €4,670.30 

Route 2: online platform

The UAE bank’s charge for sending Dh20,000 to a UK dirham-denominated account was Dh2.10. The exchange rate margin cost was Dh60, plus a Dh12 fee.

Total cost: Dh74.10, around 0.4 per cent of the transaction

Total received: €4,756

The UAE bank transfer was far quicker – around two to three working days, while the online platform took around four to five days, but was considerably cheaper. In the online platform transfer, the funds were also exposed to currency risk during the period it took for them to arrive.

How the UAE gratuity payment is calculated now

Employees leaving an organisation are entitled to an end-of-service gratuity after completing at least one year of service.

The tenure is calculated on the number of days worked and does not include lengthy leave periods, such as a sabbatical. If you have worked for a company between one and five years, you are paid 21 days of pay based on your final basic salary. After five years, however, you are entitled to 30 days of pay. The total lump sum you receive is based on the duration of your employment.

1. For those who have worked between one and five years, on a basic salary of Dh10,000 (calculation based on 30 days):

a. Dh10,000 ÷ 30 = Dh333.33. Your daily wage is Dh333.33

b. Dh333.33 x 21 = Dh7,000. So 21 days salary equates to Dh7,000 in gratuity entitlement for each year of service. Multiply this figure for every year of service up to five years.

2. For those who have worked more than five years

c. 333.33 x 30 = Dh10,000. So 30 days’ salary is Dh10,000 in gratuity entitlement for each year of service.

Note: The maximum figure cannot exceed two years total salary figure.

Who is Allegra Stratton?

 

  • Previously worked at The Guardian, BBC’s Newsnight programme and ITV News
  • Took up a public relations role for Chancellor Rishi Sunak in April 2020
  • In October 2020 she was hired to lead No 10’s planned daily televised press briefings
  • The idea was later scrapped and she was appointed spokeswoman for Cop26
  • Ms Stratton, 41, is married to James Forsyth, the political editor of The Spectator
  • She has strong connections to the Conservative establishment
  • Mr Sunak served as best man at her 2011 wedding to Mr Forsyth
DMZ facts
  • The DMZ was created as a buffer after the 1950-53 Korean War.
  • It runs 248 kilometers across the Korean Peninsula and is 4km wide.
  • The zone is jointly overseen by the US-led United Nations Command and North Korea.
  • It is littered with an estimated 2 million mines, tank traps, razor wire fences and guard posts.
  • Donald Trump and Kim Jong-Un met at a building in Panmunjom, where an armistice was signed to stop the Korean War.
  • Panmunjom is 52km north of the Korean capital Seoul and 147km south of Pyongyang, North Korea’s capital.
  • Former US president Bill Clinton visited Panmunjom in 1993, while Ronald Reagan visited the DMZ in 1983, George W. Bush in 2002 and Barack Obama visited a nearby military camp in 2012. 
  • Mr Trump planned to visit in November 2017, but heavy fog that prevented his helicopter from landing.