The dawn of the new year is often a stressful and sorrowful time. Not always immediately; it can take a few weeks to kick in. Consumer debt spikes in January, just as the credit card bills for the "festive season" start to arrive. Then there is also the issue known as "the broken promise effect", when the holiday season fails to live up to one’s expectations, and the return to routine is imminent. By the second week of January, most of us will have trashed our New Year's resolutions. Empty cigarette cartons or junk-food packaging, staring up at us, remind us of our ill-disciplined imperfectability. Worst of all, for those who have lost hope, the new year can represent a warped, self-imposed deadline: "If things are not better by 2022, they never will be".
January can be a challenging time of the year, so we need to go easy on ourselves and one another. It is important to refrain, as best we can, from adding stress to stress. Kindness, of course, should be a year-round thing, but during January, it seems, we need it most. So what can we do to safeguard our wellbeing as we pass through the gateway month into the new year?
One evidence-based approach suggests that we give more attention to what is going on internally and externally in the present moment. What are we feeling? What is here right now? What is this? These are questions that mindfulness-based stress reduction (MBSR) instructors ask all the time. MBSR, and its close cousin, mindfulness-based cognitive therapy (MBCT), have proven hugely successful in promoting psychological wellbeing and preventing relapse in depression. But how can being more attentive to present moment experience help?
Attention and curiosity about what is going on, within and without, allow us to notice things. But, unfortunately, we are often stressed without even being aware. It just kind of sneaks up, and the first casualty of stress is kindness. This unkindness takes the form of negative self-talk ("I'm such a loser") or hostility and impatience towards others.
Negative self-talk brings us down, and being horrible to others damages valuable relationships. If we are going to have any chance of reducing our stress, we need to notice that we are stressed in the first place. This is where paying attention helps. Some practitioners even refer to mindfulness interventions as "attention training".
Paying attention to the present also helps us become more aware of pleasant experiences. We might notice the refreshing winter breeze on our skin, the diversity of birdsong or the way the trees dance in the wind. We might also become aware of delightful absences – those unpleasant things that are not here right now: toothache, illness, noxious smells, lockdown.
The first casualty of stress is kindness
Such awareness frequently leads to gratitude – a sense of thankfulness for what is. The scientific evidence describing the health benefits of gratitude, physical and mental, has increased rapidly over the past decade. A study published in the neuroscience journal Cerebral Cortex back in 2009 established a link between gratitude and the neurochemical dopamine, also known as the "Kardashian molecule" or the pleasure hormone. Subsequent studies have found that just pondering the question "What am I grateful for?" increases dopamine and serotonin, even if an answer is not forthcoming.
Simply paying attention to present moment experience helps us notice when we are stressed or becoming stressed. It also helps reopen our eyes and hearts to the many uplifting gifts of existence.
This awareness is the mother of choice. If we know that we are stressed, we can perhaps choose to do something about it. However, the problem here is that we often unthinkingly rush to "fix" things, chase them away, or avoid them altogether. This is habitual stress reactivity rather than a mindful stress response.
Eight times out of 10, stress reactivity makes things worse or at least prolongs the distress. What is called for is the ability to simply let unpleasant feelings such as anger, sadness or anxiety run their course. MBSR instructors talk about acceptance and "letting be". I like the Arabic word “sabr” – usually translated as “patience”. To be clear, though, this "letting be" is not a form of cowardly resignation. It is more like allowing the dust to settle, so we can see clearly before mindfully choosing a course of action. This approach usually results in wiser, more compassionate choices.
Perhaps more than any other month, January is when we need to be especially compassionate towards ourselves and others. For some people, the new year can be a time of extreme psychological distress. There is a spike in suicide in January in many nations, especially on and around New Year's Day. For example, a 2016 study published in the Journal of Affective Disorders explored suicide data in England over a 15-year period, finding a consistent spike for January. Similar data are reported in other nations, such as Australia, Mexico and the US.
Let 2022 be the year of kindness. And if we can't be kind, let's at least be curious about why not?
The%20specs%3A%202024%20Mercedes%20E200
%3Cp%3E%3Cstrong%3EEngine%3A%20%3C%2Fstrong%3E2.0-litre%20four-cyl%20turbo%20%2B%20mild%20hybrid%0D%3Cbr%3E%3Cstrong%3EPower%3A%20%3C%2Fstrong%3E204hp%20at%205%2C800rpm%20%2B23hp%20hybrid%20boost%0D%3Cbr%3E%3Cstrong%3ETorque%3A%20%3C%2Fstrong%3E320Nm%20at%201%2C800rpm%20%2B205Nm%20hybrid%20boost%0D%3Cbr%3E%3Cstrong%3ETransmission%3A%20%3C%2Fstrong%3E9-speed%20auto%0D%3Cbr%3E%3Cstrong%3EFuel%20consumption%3A%20%3C%2Fstrong%3E7.3L%2F100km%0D%3Cbr%3E%3Cstrong%3EOn%20sale%3A%20%3C%2Fstrong%3ENovember%2FDecember%0D%3Cbr%3E%3Cstrong%3EPrice%3A%20%3C%2Fstrong%3EFrom%20Dh205%2C000%20(estimate)%3C%2Fp%3E%0A
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.
The Details
Kabir Singh
Produced by: Cinestaan Studios, T-Series
Directed by: Sandeep Reddy Vanga
Starring: Shahid Kapoor, Kiara Advani, Suresh Oberoi, Soham Majumdar, Arjun Pahwa
Rating: 2.5/5
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.”
Profile
Company name: Jaib
Started: January 2018
Co-founders: Fouad Jeryes and Sinan Taifour
Based: Jordan
Sector: FinTech
Total transactions: over $800,000 since January, 2018
Investors in Jaib's mother company Alpha Apps: Aramex and 500 Startups
The Breadwinner
Director: Nora Twomey
Starring: Saara Chaudry, Soma Chhaya, Laara Sadiq
Three stars
Day 5, Abu Dhabi Test: At a glance
Moment of the day When Dilruwan Perera dismissed Yasir Shah to end Pakistan’s limp resistance, the Sri Lankans charged around the field with the fevered delirium of a side not used to winning. Trouble was, they had not. The delivery was deemed a no ball. Sri Lanka had a nervy wait, but it was merely a stay of execution for the beleaguered hosts.
Stat of the day – 5 Pakistan have lost all 10 wickets on the fifth day of a Test five times since the start of 2016. It is an alarming departure for a side who had apparently erased regular collapses from their resume. “The only thing I can say, it’s not a mitigating excuse at all, but that’s a young batting line up, obviously trying to find their way,” said Mickey Arthur, Pakistan’s coach.
The verdict Test matches in the UAE are known for speeding up on the last two days, but this was extreme. The first two innings of this Test took 11 sessions to complete. The remaining two were done in less than four. The nature of Pakistan’s capitulation at the end showed just how difficult the transition is going to be in the post Misbah-ul-Haq era.
How to apply for a drone permit
- Individuals must register on UAE Drone app or website using their UAE Pass
- Add all their personal details, including name, nationality, passport number, Emiratis ID, email and phone number
- Upload the training certificate from a centre accredited by the GCAA
- Submit their request
What are the regulations?
- Fly it within visual line of sight
- Never over populated areas
- Ensure maximum flying height of 400 feet (122 metres) above ground level is not crossed
- Users must avoid flying over restricted areas listed on the UAE Drone app
- Only fly the drone during the day, and never at night
- Should have a live feed of the drone flight
- Drones must weigh 5 kg or less
Dengue%20fever%20symptoms
%3Cp%3EHigh%20fever%20(40%C2%B0C%2F104%C2%B0F)%3Cbr%3ESevere%20headache%3Cbr%3EPain%20behind%20the%20eyes%3Cbr%3EMuscle%20and%20joint%20pains%3Cbr%3ENausea%3Cbr%3EVomiting%3Cbr%3ESwollen%20glands%3Cbr%3ERash%26nbsp%3B%3C%2Fp%3E%0A