For days, Nayef Houjeiri, a 51-year-old labourer from the isolated Lebanese border town of Arsal, had put up with his hypertension — the tightness in his chest and exhaustion.
After going around a number of clinics, some closed, others not, he arrived at a primary health care centre run by Doctors Without Borders (MSF), one of the few free facilities in the Baalbek-Hermel governorate.
By that time, his condition was critical and Mr Houjeiri, who has three children, collapsed in the clinic's waiting room.
“I was looking at my daughter's face and thinking I was saying goodbye,” he told The National from a hospital in the city of Baalbek.
After emergency surgery, Mr Houjeiri's prognosis is good. His treatment was paid for by MSF, which normally deals with primary health care situations but is increasingly having to support emergencies for Lebanese citizens such as Mr Houjeiri.
Lebanon’s economic crisis, which became apparent in 2019, has pushed much of the population into poverty. People like Mr Houjeiri are now unable to afford hospital treatment as inflation soars and salaries fail to match the rise in the cost of living amid the US dollar shortage, or access state support for healthcare.
Making the situation for people living in the Baalbek-Hermel governorate worse is the distance they must travel to find the treatment they need.
Arsal is 40 kilometres away in the mountains. The latter part of the journey to the town is marked by a winding road towards the Syrian border and the surging price of fuel is making matters more difficult.
“Definitely, 10 years ago I would have been able to afford to go to the hospital. I was living, not quite luxurious, but a comfortable life before the crisis,” Mr Houjeiri said.
“My heart condition has been exacerbated because of the stress I have been living in.”
And there is also the shame of being unable to afford treatment. Mr Houjeiri talks about the “humiliation” from not having the money to pay.
Before becoming aware that his care could be funded, “it was a conscious decision, wanting to stay at home and die rather than being put in that position”.
“I was so afraid to be put in a position where I go to a hospital and I cannot afford (it) … and feel like I’m helpless and I cannot do anything about my health. I was really worried about that. I was trying to say no to go to the hospital.”
Before the economic crisis Lebanese patients were paying about 15 per cent of their medical bills, with the rest covered by guarantors such as the Ministry of Public Health or Lebanon’s social security fund, said Maytham Al Jari, a referral nurse with MSF.
But now, Lebanese patients — already poor — have to pay about 85 to 90 per cent of the costs. Guarantors pay back at the official rate of the Lebanese pound — which is significantly lower than the parallel market figure that represents the true value to the US dollar of the local currency.
Then there is the effect of the economic crisis on hospitals. Qualified medical workers have left the country as their salaries buy less and living conditions deteriorate, while healthcare facilities face a shortage of electricity, surging fuel prices and a lack of medications.
“Let me give you an example. Before if I have pain in my abdomen, I used to go and seek medical advice,” said Mr Al Jari.
Now, fearing the financial cost, many patients delay treatment until the problem has worsened.
“They are preferring that, instead of going and taking medication or solving a problem which may require a simple medicine … they can’t afford this,” he said.
“They postpone, postpone, postpone. The problem gets worse.”
Abu Ali, 43, is a municipal policeman from Arsal who has five children. He earns $70 a month.
If you don’t have money you cannot access hospital care
Abu Ali
He has diabetes and heart problems. About a month ago, liquid began accumulating in his abdomen and he went to a hospital in Beirut, believing it to be the best place for specialised care despite the expense and distance from Arsal.
Taking a few thousand dollars with him, he was seen by a cardiologist. But he had developed a diabetic sore on his foot, and was told more money was needed to pay for his complex treatment.
Having run up bills of about $10,000, Abu Ali signed himself out of hospital against medical advice because he did not want any more debt.
“If you have money, you’re able to go to hospital. If you don’t have money, you cannot access hospital care,” said Abu Ali from hospital in Baalbek.
After presenting himself to the MSF clinic in Arsal, he was referred to the hospital in Baalbek and received further treatment. He now faces at least two months of recovery.
Even amid Lebanon’s economic crisis, residents on the Baalbek-Hermel governorate have more onerous challenges in accessing vital healthcare.
Distances are comparatively long and medical facilities limited. Abu Ali said he went all the way to Beirut, after raising money from family and friends, because he thought it was “safer”.
“I know that specialised care is more prominent there than this area.
“It was very, very expensive to make it to Beirut. We went in a public van, but it was still expensive.”
Mr Al Jari said that while there are some healthcare facilities in areas near Arsal, they are not equipped to tackle many specialised cases.
“The challenge to access hospital care is the distance and how the hospitals are from many locations in Baalbek-Hermel governorate, especially for Arsal,” said Mr Houjeiri.
“A lot of pregnant women delivered on the road before even reaching the hospital. With the transport costs, it’s even more difficult to afford.”
The biog
Occupation: Key marker and auto electrician
Hometown: Ghazala, Syria
Date of arrival in Abu Dhabi: May 15, 1978
Family: 11 siblings, a wife, three sons and one daughter
Favourite place in UAE: Abu Dhabi
Favourite hobby: I like to do a mix of things, like listening to poetry for example.
Favourite Syrian artist: Sabah Fakhri, a tenor from Aleppo
Favourite food: fresh fish
match info
Maratha Arabians 138-2
C Lynn 91*, A Lyth 20, B Laughlin 1-15
Team Abu Dhabi 114-3
L Wright 40*, L Malinga 0-13, M McClenaghan 1-17
Maratha Arabians won by 24 runs
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Other ways to buy used products in the UAE
UAE insurance firm Al Wathba National Insurance Company (AWNIC) last year launched an e-commerce website with a facility enabling users to buy car wrecks.
Bidders and potential buyers register on the online salvage car auction portal to view vehicles, review condition reports, or arrange physical surveys, and then start bidding for motors they plan to restore or harvest for parts.
Physical salvage car auctions are a common method for insurers around the world to move on heavily damaged vehicles, but AWNIC is one of the few UAE insurers to offer such services online.
For cars and less sizeable items such as bicycles and furniture, Dubizzle is arguably the best-known marketplace for pre-loved.
Founded in 2005, in recent years it has been joined by a plethora of Facebook community pages for shifting used goods, including Abu Dhabi Marketplace, Flea Market UAE and Arabian Ranches Souq Market while sites such as The Luxury Closet and Riot deal largely in second-hand fashion.
At the high-end of the pre-used spectrum, resellers such as Timepiece360.ae, WatchBox Middle East and Watches Market Dubai deal in authenticated second-hand luxury timepieces from brands such as Rolex, Hublot and Tag Heuer, with a warranty.
Three ways to boost your credit score
Marwan Lutfi says the core fundamentals that drive better payment behaviour and can improve your credit score are:
1. Make sure you make your payments on time;
2. Limit the number of products you borrow on: the more loans and credit cards you have, the more it will affect your credit score;
3. Don't max out all your debts: how much you maximise those credit facilities will have an impact. If you have five credit cards and utilise 90 per cent of that credit, it will negatively affect your score.
How to keep control of your emotions
If your investment decisions are being dictated by emotions such as fear, greed, hope, frustration and boredom, it is time for a rethink, Chris Beauchamp, chief market analyst at online trading platform IG, says.
Greed
Greedy investors trade beyond their means, open more positions than usual or hold on to positions too long to chase an even greater gain. “All too often, they incur a heavy loss and may even wipe out the profit already made.
Tip: Ignore the short-term hype, noise and froth and invest for the long-term plan, based on sound fundamentals.
Fear
The risk of making a loss can cloud decision-making. “This can cause you to close out a position too early, or miss out on a profit by being too afraid to open a trade,” he says.
Tip: Start with a plan, and stick to it. For added security, consider placing stops to reduce any losses and limits to lock in profits.
Hope
While all traders need hope to start trading, excessive optimism can backfire. Too many traders hold on to a losing trade because they believe that it will reverse its trend and become profitable.
Tip: Set realistic goals. Be happy with what you have earned, rather than frustrated by what you could have earned.
Frustration
Traders can get annoyed when the markets have behaved in unexpected ways and generates losses or fails to deliver anticipated gains.
Tip: Accept in advance that asset price movements are completely unpredictable and you will suffer losses at some point. These can be managed, say, by attaching stops and limits to your trades.
Boredom
Too many investors buy and sell because they want something to do. They are trading as entertainment, rather than in the hope of making money. As well as making bad decisions, the extra dealing charges eat into returns.
Tip: Open an online demo account and get your thrills without risking real money.
Gulf Under 19s final
Dubai College A 50-12 Dubai College B
Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
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Ten tax points to be aware of in 2026
1. Domestic VAT refund amendments: request your refund within five years
If a business does not apply for the refund on time, they lose their credit.
2. E-invoicing in the UAE
Businesses should continue preparing for the implementation of e-invoicing in the UAE, with 2026 a preparation and transition period ahead of phased mandatory adoption.
3. More tax audits
Tax authorities are increasingly using data already available across multiple filings to identify audit risks.
4. More beneficial VAT and excise tax penalty regime
Tax disputes are expected to become more frequent and more structured, with clearer administrative objection and appeal processes. The UAE has adopted a new penalty regime for VAT and excise disputes, which now mirrors the penalty regime for corporate tax.
5. Greater emphasis on statutory audit
There is a greater need for the accuracy of financial statements. The International Financial Reporting Standards standards need to be strictly adhered to and, as a result, the quality of the audits will need to increase.
6. Further transfer pricing enforcement
Transfer pricing enforcement, which refers to the practice of establishing prices for internal transactions between related entities, is expected to broaden in scope. The UAE will shortly open the possibility to negotiate advance pricing agreements, or essentially rulings for transfer pricing purposes.
7. Limited time periods for audits
Recent amendments also introduce a default five-year limitation period for tax audits and assessments, subject to specific statutory exceptions. While the standard audit and assessment period is five years, this may be extended to up to 15 years in cases involving fraud or tax evasion.
8. Pillar 2 implementation
Many multinational groups will begin to feel the practical effect of the Domestic Minimum Top-Up Tax (DMTT), the UAE's implementation of the OECD’s global minimum tax under Pillar 2. While the rules apply for financial years starting on or after January 1, 2025, it is 2026 that marks the transition to an operational phase.
9. Reduced compliance obligations for imported goods and services
Businesses that apply the reverse-charge mechanism for VAT purposes in the UAE may benefit from reduced compliance obligations.
10. Substance and CbC reporting focus
Tax authorities are expected to continue strengthening the enforcement of economic substance and Country-by-Country (CbC) reporting frameworks. In the UAE, these regimes are increasingly being used as risk-assessment tools, providing tax authorities with a comprehensive view of multinational groups’ global footprints and enabling them to assess whether profits are aligned with real economic activity.
Contributed by Thomas Vanhee and Hend Rashwan, Aurifer
Company profile
Name: Fruitful Day
Founders: Marie-Christine Luijckx, Lyla Dalal AlRawi, Lindsey Fournie
Based: Dubai, UAE
Founded: 2015
Number of employees: 30
Sector: F&B
Funding so far: Dh3 million
Future funding plans: None at present
Future markets: Saudi Arabia, potentially Kuwait and other GCC countries
GAC GS8 Specs
Engine: 2.0-litre 4cyl turbo
Power: 248hp at 5,200rpm
Torque: 400Nm at 1,750-4,000rpm
Transmission: 8-speed auto
Fuel consumption: 9.1L/100km
On sale: Now
Price: From Dh149,900
The Pope's itinerary
Sunday, February 3, 2019 - Rome to Abu Dhabi
1pm: departure by plane from Rome / Fiumicino to Abu Dhabi
10pm: arrival at Abu Dhabi Presidential Airport
Monday, February 4
12pm: welcome ceremony at the main entrance of the Presidential Palace
12.20pm: visit Abu Dhabi Crown Prince at Presidential Palace
5pm: private meeting with Muslim Council of Elders at Sheikh Zayed Grand Mosque
6.10pm: Inter-religious in the Founder's Memorial
Tuesday, February 5 - Abu Dhabi to Rome
9.15am: private visit to undisclosed cathedral
10.30am: public mass at Zayed Sports City – with a homily by Pope Francis
12.40pm: farewell at Abu Dhabi Presidential Airport
1pm: departure by plane to Rome
5pm: arrival at the Rome / Ciampino International Airport