An Afghan refugee-turned-golfer said he was proud nerves did not get the better of him on the opening day of the Asia-Pacific Amateur Championship in Dubai.
Iqbal Wali, 38, signed for a 10-over par 82 at the end of the first round of the biggest tournament he has played in his life to date.
It was some way off the pace at a competition that carries with it a place at next year’s Masters and Open championships for the winner, although plenty of strokes better than the backmarkers in the field, too.
The fact he is even here at all is achievement enough. And, given the challenges life has thrown at him, it is a surprise he would fear anything, let alone an onset of nerves about hitting a little white ball around a field.
Wali has never had a formal lesson in the sport. He first became aware of it watching the “nice golf courses” on the television when he was growing up in his homeland.
His first taste of it was at the only golf club in Kabul, which had no grass, but rough, sandy gravel fairways, and browns for greens.
“Everybody loves cricket and soccer in Afghanistan, and karate, and athletics,” Wali told The National. “Golf is still very, very young. Nobody knew what we were doing when we were playing in the parks, or in empty, sandy grounds. People were watching from the streets, thinking, ‘What are they doing? They’re crazy, hitting the ball and looking for it for hours.’”
He picked up tips while observing American soldiers practice golf – “when we were not going on missions” – on the army base on which he worked as an interpreter during the war.
“Of course it was a dangerous job, going on missions in tanks and helicopters, and when on patrol with the US Army,” he said.
“In the base you are safe. The main danger was going out on missions, doing house searches, as we were not given any weapons to protect ourselves.
“The international forces were supposed to protect the local interpreters. We had to work many, many years to build the trust. I enjoyed the job as well, but it was not safe taking your holidays outside the base
“You had to come back to the Kandahar base, which was the biggest base, and then from there you're on your own. It was a bit tricky and dangerous.”
Then he became a keen “weekend golfer,” as he terms himself now, in the years after fleeing Afghanistan in 2010 and seeking asylum in Australia.
“I had to wait a minimum of two years with the US Army for me to apply for a protection visa,” he said. “But I took the risk.”
Without funds to pay his way, he travelled illegally through Indonesia, then on to Australia on a 30ft boat packed with fellow refugees from Afghanistan and Iran. It was, he says, a far more hazardous undertaking than any patrol he went on during the war.
It was a dangerous job, going on missions in tanks and helicopters, and when on patrol with the US Army
Iqbal Wali
“That was the most dangerous journey that I had,” he said. “We spent 20 days in the ocean without any rescue. Then, finally, we were rescued.”
Self-taught swing
Wali speaks many different languages – including Dari, Urdu, Pashtu and English – and so his skills, as well as experience working with western forces in the war, helped his cause on landing in Australia.
After his application was processed, he earned employment within the same system. He has worked as a translator, most recently assisting in casework involved in family violence, for the past 12 years.
All of which has allowed him to indulge his real passion in life. “My improvement in golf has been in Australia in the past 15 years,” Wali said. “I don't have any coach. I never got any lessons ever. It’s been about watching videos and just working on my mistakes.”
He has played some rounds with, and had some tips from, club pros at Royal Hobart Golf Club, where he now lives in Tasmania.
He had to leave his job in Australia’s asylum seeker administration system to play in the AAC in Dubai. He doesn’t know what he will do for work when he gets back, but is hopeful it might be part of golf, given the friendships he has struck up so far at this tournament.
He hopes to continue receiving invitations to “this lovely and prestigious tournament” in the future, saying: “I met a lot of nice people from [tournament organisers] the R&A, and from Augusta National. They were all very welcoming and supportive, which I’m very thankful for.”
And he was thrilled with how he fared on the Majlis Course, even if he did leak a few too many shots for his liking on the course’s back nine.
“I did recover well but finished with two bogeys,” he said. “But I'm happy. It’s beautiful. This is my first time in a big competition, and I’m proud that the nerves didn't get got me.
“I was even fine in front of the cameras. It was and interesting and exciting experience for me. Just playing, watching, practicing, and meeting people like this, it’s a big, big honour for me.”
How much of your income do you need to save?
The more you save, the sooner you can retire. Tuan Phan, a board member of SimplyFI.com, says if you save just 5 per cent of your salary, you can expect to work for another 66 years before you are able to retire without too large a drop in income.
In other words, you will not save enough to retire comfortably. If you save 15 per cent, you can forward to another 43 working years. Up that to 40 per cent of your income, and your remaining working life drops to just 22 years. (see table)
Obviously, this is only a rough guide. How much you save will depend on variables, not least your salary and how much you already have in your pension pot. But it shows what you need to do to achieve financial independence.
More from Rashmee Roshan Lall
UEFA CHAMPIONS LEAGUE FIXTURES
All kick-off times 10.45pm UAE ( 4 GMT) unless stated
Tuesday
Sevilla v Maribor
Spartak Moscow v Liverpool
Manchester City v Shakhtar Donetsk
Napoli v Feyenoord
Besiktas v RB Leipzig
Monaco v Porto
Apoel Nicosia v Tottenham Hotspur
Borussia Dortmund v Real Madrid
Wednesday
Basel v Benfica
CSKA Moscow Manchester United
Paris Saint-Germain v Bayern Munich
Anderlecht v Celtic
Qarabag v Roma (8pm)
Atletico Madrid v Chelsea
Juventus v Olympiakos
Sporting Lisbon v Barcelona
Results
6.30pm: Dubai Millennium Stakes Group Three US$200,000 (Turf) 2,000m; Winner: Ghaiyyath, William Buick (jockey), Charlie Appleby (trainer).
7.05pm: Handicap $135,000 (T) 1,600m; Winner: Cliffs Of Capri, Tadhg O’Shea, Jamie Osborne.
7.40pm: UAE Oaks Group Three $250,000 (Dirt) 1,900m; Winner: Down On Da Bayou, Mickael Barzalona, Salem bin Ghadayer.
8.15pm: Zabeel Mile Group Two $250,000 (T) 1,600m; Winner: Zakouski, James Doyle, Charlie Appleby.
8.50pm: Meydan Sprint Group Two $250,000 (T) 1,000m; Winner: Waady, Jim Crowley, Doug Watson.
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One in four Americans don't plan to retire
Nearly a quarter of Americans say they never plan to retire, according to a poll that suggests a disconnection between individuals' retirement plans and the realities of ageing in the workforce.
Experts say illness, injury, layoffs and caregiving responsibilities often force older workers to leave their jobs sooner than they'd like.
According to the poll from The Associated Press-NORC Centre for Public Affairs Research, 23 per cent of workers, including nearly two in 10 of those over 50, don't expect to stop working. Roughly another quarter of Americans say they will continue working beyond their 65th birthday.
According to government data, about one in five people 65 and older was working or actively looking for a job in June. The study surveyed 1,423 adults in February this year.
For many, money has a lot to do with the decision to keep working.
"The average retirement age that we see in the data has gone up a little bit, but it hasn't gone up that much," says Anqi Chen, assistant director of savings research at the Centre for Retirement Research at Boston College. "So people have to live in retirement much longer, and they may not have enough assets to support themselves in retirement."
When asked how financially comfortable they feel about retirement, 14 per cent of Americans under the age of 50 and 29 per cent over 50 say they feel extremely or very prepared, according to the poll. About another four in 10 older adults say they do feel somewhat prepared, while just about one-third feel unprepared.
"One of the things about thinking about never retiring is that you didn't save a whole lot of money," says Ronni Bennett, 78, who was pushed out of her job as a New York City-based website editor at 63.
She searched for work in the immediate aftermath of her layoff, a process she describes as akin to "banging my head against a wall." Finding Manhattan too expensive without a steady stream of income, she eventually moved to Portland, Maine. A few years later, she moved again, to Lake Oswego, Oregon. "Sometimes I fantasise that if I win the lottery, I'd go back to New York," says Ms Bennett.
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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.”
Five expert hiking tips
- Always check the weather forecast before setting off
- Make sure you have plenty of water
- Set off early to avoid sudden weather changes in the afternoon
- Wear appropriate clothing and footwear
- Take your litter home with you