From left, Quacy, Quintan, both 12, Milo, and Quacy Jr, both 16 hold placards as they walk in the rain after attending a Black Lives Matter protest in front of Lafayette Park, near the White House, Washington DC. AFP
A man reacts at a memorial for George Floyd following a day of demonstration in a call for justice for the black American who died while in custody of the Minneapolis police, on June 5, 2020, in Minneapolis, Minnesota. AFP
A protester participates in a demonstration during a storm in front of Lafayette Park next to the White House, Washington, DC. AFP
Demonstrators attend a Black Lives Matter protest to express solidarity with US protestors in Sydney. AFP
Canadian Prime Minister Justin Trudeau, second left, takes a knee during in a Black Lives Matter protest on Parliament Hill, Ottawa, Canada. AFP
Protesters take a knee and raise their fists during a 'Black Lives Matter' demonstration in front of the Brooklyn Library and Grand Army Plaza in Brooklyn, New York. AFP
Youths kneel with placards reading 'Black Lives Matter' in front of riot police officers blocking the way in Athens during a rally against racism and police brutality and in support to the protests in US. AFP
People hold banners during a Black Lives Matter rally in central Seoul, South Korea. EPA
A man holds a placard in solidarity with thousands of people marching during a Black Lives Matter protest in Brisbane. AP
Protesters wear masks during a rally in solidarity with the Black Lives Matter demonstration on June 6, 2020 in Melbourne, Australia. Getty
Aboriginal elders conduct a traditional smoking ceremony at Town Hall during a 'Black Lives Matter' protest on June 6, 2020 in Sydney, Australia. Getty
Demonstrators are seen in the rain wearing protective face masks during a Black Lives Matter protest in Verulamium Park, St Albans, Britain, following the death of George Floyd in police custody in Minneapolis, on June 6, 2020. Reuters
People hold placards at a Black Lives Matter protest to express solidarity with US protesters, in Melbourne on June 6, 2020. AFP
Activists hold placards as they attend a rally in support of the 'Black Lives Matter' demonstrations in the US, during a march in the Myeongdong district of central Seoul on June 6, 2020. AFP
Activists hold placards as they attend a rally in support of the 'Black Lives Matter' protests, during a march in the Myeongdong district of central Seoul on June 6, 2020. AFP
A placard reading "black lives matter" is seen in a car during a communal conference of the Social Democratic Party (SPD) at a drive-in cinema on the site of the former blast furnace Phoenix West in Dortmund, western Germany, on June 6, 2020 amid the novel coronavirus COVID-19 pandemic. The conference aims at preparing the local elections in September. / AFP / Ina FASSBENDER
Protesters chant and hold placards during a 'Black Lives Matter' march on June 6, 2020 in Sydney, Australia. Getty
A young child attends the 'Black Lives Matter' march with her family on June 6, 2020 in Sydney, Australia. Getty
Protesters gather at a Black Lives Matter rally in Genoa, Italy, on June 6, 2020. EPA
Demonstrators wearing protective face masks attend a Black Lives Matter protest in London's Parliament Square on June 6, 2020, following the death of George Floyd in police custody in Minneapolis. Reuters
Race relations can be a fraught subject anywhere but especially so in the US right now. The long hot summer of national reckoning on race and policing has slipped into an autumn of continuing anguish and defiance.
Americans' view of the relations between black and white races is now the most negative of any year since Gallup started asking the question in 2001. And the issue of racial injustice has become one of the top four concerns, according to an NPR/Ipsos poll, as Americans prepare to vote in a consequential presidential election that will be closely watched around the world.
It figures. Nearly 60 years after Martin Luther King delivered his “I have a dream” speech to an audience of a quarter of a million people in Washington, DC, the issue of race relations in America can be boiled down to three intensely symbolic, highly charged things: knees, guns and votes.
Knees feature prominently. Late last month, tens of thousands joined the Get Your Knee Off Our Necks march in Washington, so named because of the manner in which George Floyd, an unarmed black man in Minneapolis, died at the hands of police in May.
A policeman knelt on Floyd’s neck as he gasped “I can’t breathe”. A bystander’s cellphone video of the atrocity went viral. The march followed repeated instances of the world and its sportsmen kneeling in support of racial and social justice campaigners in America.
And US President Donald Trump, who has called anti-racism activists "domestic terror", launched an ad attacking his Democratic challenger, Joe Biden, for "taking a knee" while racial justice protests in Minneapolis turned violent. The unsubtle message is that Mr Biden is complicit in the rioting that has occasionally erupted during the protests. It is the same subtext as Mr Trump's Republican National Convention last month, which focused on characterising the Democrats as the party of chaos and anarchy.
Guns too are increasingly coming into play as armed right-wing militia and vigilante groups supporting Mr Trump directly confront anti-racism protesters on the streets of American cities such as Kenosha, Wisconsin, Portland, Oregon and, more recently, Louisville, Kentucky. Sometimes the racial justice protesters are also visibly armed, raising the prospect of dangerous confrontations across a nation on edge.
Finally, there are the votes. With less than two months to go to the election, there are growing fears of vote suppression, especially in the case of poorer black voters and those who prefer to cast their ballot by mail because of the pandemic.
The situation remains volatile as Labour Day, marked in the US on the first Monday in September, came and went. Labour Day is traditionally seen to kick off the last lap of the general election campaign, which means both the Trump and Biden teams are intensifying their efforts to dominate the narrative, win over new voters or sway wavering ones.
The Black Lives Matter movement saw a revival following the killing of a black American man at the hands of a white American policeman. AFP
The most recent estimates show Mr Trump trailing in national opinion polls as well as in Wisconsin and Michigan, two of the three key swing states. He is currently tied with Mr Biden in Pennsylvania. An incumbent American president has never got past Labour Day as such a clear underdog since George H W Bush in 1992.
Analysts say Mr Trump has a narrow path to re-election and that it runs through heavily white states like Wisconsin and Minnesota. Unsurprisingly then, Mr Trump has put himself at the centre of the raging national debate about race and police tactics, but only by dismissing suggestions of "systemic racism" and assuming the mantle of guarantor of law and order.
Mr Trump recently tweeted mockingly about a Black Lives Matter activist and hailed his administration’s controversial new move to cut off federal agencies' anti-racism training, which has been cast by the government as "divisive, anti-American propaganda". He also continues to deride calls for policing reforms and to describe the unquiet status quo as the “American way of life”. This is thought to be code for white dominance of the levers of power.
Barack Obama's election wasn't so much a sign that America had achieved a post-racial society but that it was striving towards it
So, what might happen next? The logic and demands of politics in a presidential election year would seem to be heading for a full-frontal collision with a passionate, once-in-a-generation call for wholesale change. The disparate protests for social justice across the country show no sign of petering out, with Portland hitting the 100th-day mark of continuous demonstrations at the weekend.
Meanwhile, new cases of alleged police mistreatment of black people and brutality towards them continue to emerge, further fuelling sorrow and rage on the part of protesters. The case of Daniel Prude, a black man who suffocated in March while being handled by police came to public attention just last week. Prude was placed in a restraint called a "spit hood" by police.
The only certainty right now is that tension on America’s streets will continue to escalate. What is not clear is the extent to which Mr Trump’s “law and order” message will resonate in the countdown to election day, November 3, as Americans increasingly express alarm about protests and counter protests in their neighbourhoods and cities.
Perhaps the best way to think about the future of the US is to disentangle the facts from popular perception. The facts tell a compelling story.
Despite its shortcomings, America in 2020 is nothing like the 1950s, when the equality of man envisioned by the Declaration of Independence was very far from reality, inter-racial marriage was illegal in many states and housing and education were segregated. And then there was Barack Obama's election – and re-election – to the highest office in the land. It wasn't so much a sign that America had achieved a post-racial society but that it was striving towards it.
The US has been a country in social transition for much of the past half-century. For some, the pace is imprudent and all too hasty. But despite everything, there is nothing yet to suggest these naysayers will ultimately prevail.
Rashmee Roshan Lall is a columnist for The National
For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:
• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term).
• On the protection component, there is a cap of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).
• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated.
• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.
• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.
Disclosure
Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.
“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”
Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.
Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.
“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.
Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.
Online: The match will be broadcast live on Dubai Exiles’ Facebook page
UAE squad: Lucas Waddington (Dubai Exiles), Gio Fourie (Exiles), Craig Nutt (Abu Dhabi Harlequins), Phil Brady (Harlequins), Daniel Perry (Dubai Hurricanes), EsekaiaDranibota (Harlequins), Matt Mills (Exiles), JaenBotes (Exiles), KristianStinson (Exiles), Murray Reason (Abu Dhabi Saracens), Dave Knight (Hurricanes), Ross Samson (Jebel Ali Dragons), DuRandt Gerber (Exiles), Saki Naisau (Dragons), Andrew Powell (Hurricanes), EmosiVacanau (Harlequins), NikoVolavola (Dragons), Matt Richards (Dragons), Luke Stevenson (Harlequins), Josh Ives (Dubai Sports City Eagles), Sean Stevens (Saracens), ThinusSteyn (Exiles)
While the taste of beans and freshness of roast is paramount to the specialty coffee scene, so is sustainability and workers’ rights.
The bulk of genuine specialty coffee companies aim to improve on these elements in every stage of production via direct relationships with farmers. For instance, Mokha 1450 on Al Wasl Road strives to work predominantly with women-owned and -operated coffee organisations, including female farmers in the Sabree mountains of Yemen.
Because, as the boutique’s owner, Garfield Kerr, points out: “women represent over 90 per cent of the coffee value chain, but are woefully underrepresented in less than 10 per cent of ownership and management throughout the global coffee industry.”
One of the UAE’s largest suppliers of green (meaning not-yet-roasted) beans, Raw Coffee, is a founding member of the Partnership of Gender Equity, which aims to empower female coffee farmers and harvesters.
Also, globally, many companies have found the perfect way to recycle old coffee grounds: they create the perfect fertile soil in which to grow mushrooms.
UAE’s revised Cricket World Cup League Two schedule
August, 2021: Host - United States; Teams - UAE, United States and Scotland
Between September and November, 2021 (dates TBC): Host - Namibia; Teams - Namibia, Oman, UAE
December, 2021: Host - UAE; Teams - UAE, Namibia, Oman
February, 2022: Hosts - Nepal; Teams - UAE, Nepal, PNG
June, 2022: Hosts - Scotland; Teams - UAE, United States, Scotland
September, 2022: Hosts - PNG; Teams - UAE, PNG, Nepal
February, 2023: Hosts - UAE; Teams - UAE, PNG, Nepal
THE SPECS
Engine: 2.0-litre 4-cylinder turbo
Power: 275hp at 6,600rpm
Torque: 353Nm from 1,450-4,700rpm
Transmission: 8-speed dual-clutch auto
Top speed: 250kph
Fuel consumption: 6.8L/100km
On sale: Now
Price: Dh146,999
PROFILE OF STARZPLAY
Date started: 2014
Founders: Maaz Sheikh, Danny Bates
Based: Dubai, UAE
Sector: Entertainment/Streaming Video On Demand
Number of employees: 125
Investors/Investment amount: $125 million. Major investors include Starz/Lionsgate, State Street, SEQ and Delta Partners
Results
5pm: Wadi Nagab – Maiden (PA) Dh80,000 (Turf) 1,200m; Winner: Al Falaq, Antonio Fresu (jockey), Ahmed Al Shemaili (trainer)
5.30pm: Wadi Sidr – Handicap (PA) Dh80,000 (T) 1,200m; Winner: AF Majalis, Tadhg O’Shea, Ernst Oertel
6pm: Wathba Stallions Cup – Handicap (PA) Dh70,000 (T) 2,200m; Winner: AF Fakhama, Fernando Jara, Mohamed Daggash
6.30pm: Wadi Shees – Handicap (PA) Dh80,000 (T) 2,200m; Winner: Mutaqadim, Antonio Fresu, Ibrahim Al Hadhrami
7pm: Arabian Triple Crown Round-1 – Listed (PA) Dh230,000 (T) 1,600m; Winner: Bahar Muscat, Antonio Fresu, Ibrahim Al Hadhrami
7.30pm: Wadi Tayyibah – Maiden (TB) Dh80,000 (T) 1,600m; Winner: Poster Paint, Patrick Cosgrave, Bhupat Seemar
UAE currency: the story behind the money in your pockets
Do not submit your application through the Easy Apply button on LinkedIn. Employers receive between 600 and 800 replies for each job advert on the platform. If you are the right fit for a job, connect to a relevant person in the company on LinkedIn and send them a direct message.
Make sure you are an exact fit for the job advertised. If you are an HR manager with five years’ experience in retail and the job requires a similar candidate with five years’ experience in consumer, you should apply. But if you have no experience in HR, do not apply for the job.
David Mackenzie, founder of recruitment agency Mackenzie Jones Middle East
Where can I submit a sample?
Volunteers can now submit DNA samples at a number of centres across Abu Dhabi. The programme is open to all ages.
Collection centres in Abu Dhabi include:
Abu Dhabi National Exhibition Centre (ADNEC)
Biogenix Labs in Masdar City
Al Towayya in Al Ain
NMC Royal Hospital in Khalifa City
Bareen International Hospital
NMC Specialty Hospital, Al Ain
NMC Royal Medical Centre - Abu Dhabi
NMC Royal Women’s Hospital.
UAE currency: the story behind the money in your pockets
Tickets start from Dh100 for adults and are now on sale at www.ticketmaster.ae and Virgin Megastores across the UAE. Three-day and travel packages are also available at 20 per cent discount.
Adapt your business model. Make changes that are future-proof to the new normal
Make sure you have an online presence
Open communication with suppliers, especially if they are international. Look for local suppliers to avoid delivery delays
Open communication with customers to see how they are coping and be flexible about extending terms, etc
Courtesy: Craig Moore, founder and CEO of Beehive, which provides term finance and working capital finance to SMEs. Only SMEs that have been trading for two years are eligible for funding from Beehive.
Who is Mohammed Al Halbousi?
The new speaker of Iraq’s parliament Mohammed Al Halbousi is the youngest person ever to serve in the role.
The 37-year-old was born in Al Garmah in Anbar and studied civil engineering in Baghdad before going into business. His development company Al Hadeed undertook reconstruction contracts rebuilding parts of Fallujah’s infrastructure.
He entered parliament in 2014 and served as a member of the human rights and finance committees until 2017. In August last year he was appointed governor of Anbar, a role in which he has struggled to secure funding to provide services in the war-damaged province and to secure the withdrawal of Shia militias. He relinquished the post when he was sworn in as a member of parliament on September 3.
He is a member of the Al Hal Sunni-based political party and the Sunni-led Coalition of Iraqi Forces, which is Iraq’s largest Sunni alliance with 37 seats from the May 12 election.
He maintains good relations with former Prime Minister Nouri Al Maliki’s State of Law Coaliton, Hadi Al Amiri’s Badr Organisation and Iranian officials.
Chef Nobu's advice for eating sushi
“One mistake people always make is adding extra wasabi. There is no need for this, because it should already be there between the rice and the fish.
“When eating nigiri, you must dip the fish – not the rice – in soy sauce, otherwise the rice will collapse. Also, don’t use too much soy sauce or it will make you thirsty. For sushi rolls, dip a little of the rice-covered roll lightly in soy sauce and eat in one bite.
“Chopsticks are acceptable, but really, I recommend using your fingers for sushi. Do use chopsticks for sashimi, though.
“The ginger should be eaten separately as a palette cleanser and used to clear the mouth when switching between different pieces of fish.”
Who's who in Yemen conflict
Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government
Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council
Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south
Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory
Difference between fractional ownership and timeshare
Although similar in its appearance, the concept of a fractional title deed is unlike that of a timeshare, which usually involves multiple investors buying “time” in a property whereby the owner has the right to occupation for a specified period of time in any year, as opposed to the actual real estate, said John Peacock, Head of Indirect Tax and Conveyancing, BSA Ahmad Bin Hezeem & Associates, a law firm.
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.”
Nigel Farage told Reform's annual conference that the party will proscribe the Muslim Brotherhood if he becomes Prime Minister. "We will stop dangerous organisations with links to terrorism operating in our country," he said. "Quite why we've been so gutless about this – both Labour and Conservative – I don't know. “All across the Middle East, countries have banned and proscribed the Muslim Brotherhood as a dangerous organisation. We will do the very same.” It is 10 years since a ground-breaking report into the Muslim Brotherhood by Sir John Jenkins. Among the former diplomat's findings was an assessment that “the use of extreme violence in the pursuit of the perfect Islamic society” has “never been institutionally disowned” by the movement. The prime minister at the time, David Cameron, who commissioned the report, said membership or association with the Muslim Brotherhood was a "possible indicator of extremism" but it would not be banned.
What vitamins do we know are beneficial for living in the UAE
Vitamin D: Highly relevant in the UAE due to limited sun exposure; supports bone health, immunity and mood. Vitamin B12: Important for nerve health and energy production, especially for vegetarians, vegans and individuals with absorption issues. Iron: Useful only when deficiency or anaemia is confirmed; helps reduce fatigue and support immunity. Omega-3 (EPA/DHA): Supports heart health and reduces inflammation, especially for those who consume little fish.
Phishing: Fraudsters send an unsolicited email that appears to be from a financial institution or online retailer. The hoax email requests that you provide sensitive information, often by clicking on to a link leading to a fake website.
Smishing: The SMS equivalent of phishing. Fraudsters falsify the telephone number through “text spoofing,” so that it appears to be a genuine text from the bank.
Vishing: The telephone equivalent of phishing and smishing. Fraudsters may pose as bank staff, police or government officials. They may persuade the consumer to transfer money or divulge personal information.
SIM swap: Fraudsters duplicate the SIM of your mobile number without your knowledge or authorisation, allowing them to conduct financial transactions with your bank.
Identity theft: Someone illegally obtains your confidential information, through various ways, such as theft of your wallet, bank and utility bill statements, computer intrusion and social networks.
Prize scams: Fraudsters claiming to be authorised representatives from well-known organisations (such as Etisalat, du, Dubai Shopping Festival, Expo2020, Lulu Hypermarket etc) contact victims to tell them they have won a cash prize and request them to share confidential banking details to transfer the prize money.
