The UAE's leaders have laid the foundations for a strong future. The portraits of the UAE's founder Sheikh Zayed bin Sultan Al Nahyan and Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Ruler of Dubai, can be seen on DIFC's Gate Building / Reem Mohammed/The National)
The UAE's leaders have laid the foundations for a strong future. The portraits of the UAE's founder Sheikh Zayed bin Sultan Al Nahyan and Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Ruler of Dubai, can be seen on DIFC's Gate Building / Reem Mohammed/The National)
The UAE's leaders have laid the foundations for a strong future. The portraits of the UAE's founder Sheikh Zayed bin Sultan Al Nahyan and Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Ruler of Dubai, can be seen on DIFC's Gate Building / Reem Mohammed/The National)
The UAE's leaders have laid the foundations for a strong future. The portraits of the UAE's founder Sheikh Zayed bin Sultan Al Nahyan and Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Rule

National Day is an occasion to relive the glory of our past and remember the life of Sheikh Zayed


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On the occasion of the 46th National Day of the UAE, I would like to extend my most heartfelt wishes and congratulate the wise leadership and people of the United Arab Emirates. The Emirates Center for Strategic Studies and Research (ECSSR) is always keen on being at the forefront when it comes to celebrating this great day, in gratitude and appreciation of the achievements by Sheikh Khalifa, the President of the UAE, and Sheikh Mohammed bin Rashid, UAE Vice President and Ruler of Dubai. We owe much to them, as well as the members of the Federal Supreme Council, the rulers of the emirates and Sheikh Mohammed bin Zayed, the Crown Prince of Abu Dhabi and Deputy Supreme Commander of the Armed Forces.

Sheikh Khalifa stated that National Day represents an opportunity to show feelings of loyalty, solidarity and closeness between the leadership and the people, something we feel every day. It is an occasion to relive the glory of our history and remember the life of the founder and builder of the UAE, the late Sheikh Zayed, and the era of modern civilisation he brought with him. He laid the first cornerstones for a notable, solid foundation. This is an occasion to walk with our wise leadership in the footsteps of the Founding Father.

Furthermore, the day is an occasion to commemorate the founders of the union and express our pride in them. The UAE is a beacon of their achievements. It is the good fortune of the UAE to have leaders with a wise vision stemming from deep-rooted beliefs in the importance of the role of all of society in its development. The most important factor is the deep confidence of our leadership in their people, values, customs, loyalty and ability to attain the best of achievements in all fields.

Sheikh Khalifa also stressed that the celebrations represent an occasion to exert concerted efforts in pursuing the leadership's directives by improving the quality of performance, qualitative excellence and creativity in work. It is an opportunity to double production and renew loyalty to the leadership and homeland. That, in turn, accelerates the process of sustainable development that the UAE has recently witnessed in the political, economic and social sectors. We should always look forward to being at the forefront among the world's nations. We have succeeded in achieving that goal and strive to preserve that achievement, endeavouring to reach higher and better goals.

We also use this time to honour our martyrs, who throughout history have sacrificed themselves in the defence of their homeland. They include our brave soldiers, who fell in Yemen to restore the legitimacy of the government. They sacrificed their lives so that the UAE’s banner could remain high. The UAE President said the most important lesson we have learned from the past is that our unity is the source of our strength and all that we have accomplished in terms of progress in an instable region is traced back to the fact that we are one nation united around a strong leadership. May our dear country continue to enjoy eternal peace, stability and progress.

Dr Jamal Al Suwaidi is the director general of the Emirates Center for Strategic Studies and Research

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The President's Cake

Director: Hasan Hadi

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

Rating: 4/5

Types of policy

Term life insurance: this is the cheapest and most-popular form of life cover. You pay a regular monthly premium for a pre-agreed period, typically anything between five and 25 years, or possibly longer. If you die within that time, the policy will pay a cash lump sum, which is typically tax-free even outside the UAE. If you die after the policy ends, you do not get anything in return. There is no cash-in value at any time. Once you stop paying premiums, cover stops.

Whole-of-life insurance: as its name suggests, this type of life cover is designed to run for the rest of your life. You pay regular monthly premiums and in return, get a guaranteed cash lump sum whenever you die. As a result, premiums are typically much higher than one term life insurance, although they do not usually increase with age. In some cases, you have to keep up premiums for as long as you live, although there may be a cut-off period, say, at age 80 but it can go as high as 95. There are penalties if you don’t last the course and you may get a lot less than you paid in.

Critical illness cover: this pays a cash lump sum if you suffer from a serious illness such as cancer, heart disease or stroke. Some policies cover as many as 50 different illnesses, although cancer triggers by far the most claims. The payout is designed to cover major financial responsibilities such as a mortgage or children’s education fees if you fall ill and are unable to work. It is cost effective to combine it with life insurance, with the policy paying out once if you either die or suffer a serious illness.

Income protection: this pays a replacement income if you fall ill and are unable to continue working. On the best policies, this will continue either until you recover, or reach retirement age. Unlike critical illness cover, policies will typically pay out for stress and musculoskeletal problems such as back trouble.

FIXTURES

December 28
Stan Wawrinka v Pablo Carreno Busta, 5pm
Milos Raonic v Dominic Thiem, no earlier then 7pm

December 29 - semi-finals
Rafael Nadal v Stan Wawrinka / Pablo Carreno Busta, 5pm
Novak Djokovic v Milos Raonic / Dominic Thiem, no earlier then 7pm

December 30
3rd/4th place play-off, 5pm
Final, 7pm

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UAE currency: the story behind the money in your pockets
Spec%20sheet
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