Given the current restrictions on movement and social gatherings, CP Rizwan’s birthday celebrations will be muted when he turns 32 on Sunday.
In all likelihood, it will be similar to most other days in the recent past. Which is, a day at the office, followed by some throw-downs from his wife Fathima in the front room of their apartment in Sharjah.
Anything for a fix of cricket, for a player who had hoped to be in the process of nailing down his place in the UAE national team at the moment.
"It is a little difficult," Rizwan said of the coronavirus-enforced absence of cricket. "We are missing it obviously because it is such a big part of our routine.
“Playing domestic cricket, preparing with the UAE team, it is all a major miss. But we do still interact.
“And my wife helps me with throw-downs, so at least I can do something. It is only quite a light ball, so we haven’t broken anything yet.”
The couple married in 2015. Fathima knew little of cricket until then.
Within two years she had given up her job in teaching in order to support Rizwan’s cricket career, and now rarely misses a game.
“She didn’t follow cricket at all before we were married,” Rizwan said. “Since then, she had really got into it, started coming to matches, and now she gives me advice. She tells me I shouldn’t be throwing my wicket away.
“She has been to so many domestic matches and stayed late in the night, watching me play. Now she’s started enjoying the game.”
Rizwan debuted for the national team at the start of 2019, having been a prolific run-scorer in domestic cricket for some time previous to that.
He has been in and out of the side in the time since, and he says he has been frustrated at failing to make the sort of scores that would cement his place in the XI.
“I felt really happy that all the toil in domestic cricket, and all the hard work that nobody was seeing – in the night, after work, running on the beach – was being rewarded,” he said of being selected for UAE.
“I felt really blessed. But I’m not satisfied. I want to do well for UAE, and win matches for them. I’ve been getting starts, but I’m still awaiting a big knock. Inshallah it will come.”
Rizwan might have been part of the same Kerala Ranji Trophy squad as Sanju Samson back in his native India, but he has a deep affinity with UAE, too.
His father has lived in the country for 35 years. Rizwan was brought to live in Sharjah when he was two, having been born in India, while his two younger sisters were both born in the emirate.
He left to pursue engineering studies in Kochi, but returned in 2014, after landing a job with the Bukhatir Group.
“When I was still studying in India, I used to come here for every vacation,” Rizwan said.
“When Ahmed Raza [now the UAE captain] was young and new to the national team, I remember I used to go from my home to the Sharjah Stadium to see UAE practicing.
“I would give throw-downs for Ahmed Raza. We still talk about that. They are good memories, and now we are teammates.
“Now, after all this time, he is still leading from the front, in terms of fitness standards and everything. All the youngsters look up to him.”
His day job as an electrical engineer for Eastern International, in the construction industry, means he has not been confined to his home like many other people in recent weeks.
“Even during the lockdown period I have been working, and I have to focus on my cricket after that,” he said. “It hasn’t been a worry. To be frank, our building has 32 floors and only our office is working, so it feels like we are in isolation, too.
“Since everyone is still working in construction we have no complaints. In a way, it is good. The government has this policy and we are happy to adhere to it.”
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Benefits of first-time home buyers' scheme
- Priority access to new homes from participating developers
- Discounts on sales price of off-plan units
- Flexible payment plans from developers
- Mortgages with better interest rates, faster approval times and reduced fees
- DLD registration fee can be paid through banks or credit cards at zero interest rates
What is blockchain?
Blockchain is a form of distributed ledger technology, a digital system in which data is recorded across multiple places at the same time. Unlike traditional databases, DLTs have no central administrator or centralised data storage. They are transparent because the data is visible and, because they are automatically replicated and impossible to be tampered with, they are secure.
The main difference between blockchain and other forms of DLT is the way data is stored as ‘blocks’ – new transactions are added to the existing ‘chain’ of past transactions, hence the name ‘blockchain’. It is impossible to delete or modify information on the chain due to the replication of blocks across various locations.
Blockchain is mostly associated with cryptocurrency Bitcoin. Due to the inability to tamper with transactions, advocates say this makes the currency more secure and safer than traditional systems. It is maintained by a network of people referred to as ‘miners’, who receive rewards for solving complex mathematical equations that enable transactions to go through.
However, one of the major problems that has come to light has been the presence of illicit material buried in the Bitcoin blockchain, linking it to the dark web.
Other blockchain platforms can offer things like smart contracts, which are automatically implemented when specific conditions from all interested parties are reached, cutting the time involved and the risk of mistakes. Another use could be storing medical records, as patients can be confident their information cannot be changed. The technology can also be used in supply chains, voting and has the potential to used for storing property records.
Champions parade (UAE timings)
7pm Gates open
8pm Deansgate stage showing starts
9pm Parade starts at Manchester Cathedral
9.45pm Parade ends at Peter Street
10pm City players on stage
11pm event ends
Farasan Boat: 128km Away from Anchorage
Director: Mowaffaq Alobaid
Stars: Abdulaziz Almadhi, Mohammed Al Akkasi, Ali Al Suhaibani
Rating: 4/5
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Tributes from the UAE's personal finance community
• Sebastien Aguilar, who heads SimplyFI.org, a non-profit community where people learn to invest Bogleheads’ style
“It is thanks to Jack Bogle’s work that this community exists and thanks to his work that many investors now get the full benefits of long term, buy and hold stock market investing.
Compared to the industry, investing using the common sense approach of a Boglehead saves a lot in costs and guarantees higher returns than the average actively managed fund over the long term.
From a personal perspective, learning how to invest using Bogle’s approach was a turning point in my life. I quickly realised there was no point chasing returns and paying expensive advisers or platforms. Once money is taken care off, you can work on what truly matters, such as family, relationships or other projects. I owe Jack Bogle for that.”
• Sam Instone, director of financial advisory firm AES International
"Thought to have saved investors over a trillion dollars, Jack Bogle’s ideas truly changed the way the world invests. Shaped by his own personal experiences, his philosophy and basic rules for investors challenged the status quo of a self-interested global industry and eventually prevailed. Loathed by many big companies and commission-driven salespeople, he has transformed the way well-informed investors and professional advisers make decisions."
• Demos Kyprianou, a board member of SimplyFI.org
"Jack Bogle for me was a rebel, a revolutionary who changed the industry and gave the little guy like me, a chance. He was also a mentor who inspired me to take the leap and take control of my own finances."
• Steve Cronin, founder of DeadSimpleSaving.com
"Obsessed with reducing fees, Jack Bogle structured Vanguard to be owned by its clients – that way the priority would be fee minimisation for clients rather than profit maximisation for the company.
His real gift to us has been the ability to invest in the stock market (buy and hold for the long term) rather than be forced to speculate (try to make profits in the shorter term) or even worse have others speculate on our behalf.
Bogle has given countless investors the ability to get on with their life while growing their wealth in the background as fast as possible. The Financial Independence movement would barely exist without this."
• Zach Holz, who blogs about financial independence at The Happiest Teacher
"Jack Bogle was one of the greatest forces for wealth democratisation the world has ever seen. He allowed people a way to be free from the parasitical "financial advisers" whose only real concern are the fat fees they get from selling you over-complicated "products" that have caused millions of people all around the world real harm.”
• Tuan Phan, a board member of SimplyFI.org
"In an industry that’s synonymous with greed, Jack Bogle was a lone wolf, swimming against the tide. When others were incentivised to enrich themselves, he stood by the ‘fiduciary’ standard – something that is badly needed in the financial industry of the UAE."
Our legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
UAE currency: the story behind the money in your pockets
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'Worse than a prison sentence'
Marie Byrne, a counsellor who volunteers at the UAE government's mental health crisis helpline, said the ordeal the crew had been through would take time to overcome.
“It was worse than a prison sentence, where at least someone can deal with a set amount of time incarcerated," she said.
“They were living in perpetual mystery as to how their futures would pan out, and what that would be.
“Because of coronavirus, the world is very different now to the one they left, that will also have an impact.
“It will not fully register until they are on dry land. Some have not seen their young children grow up while others will have to rebuild relationships.
“It will be a challenge mentally, and to find other work to support their families as they have been out of circulation for so long. Hopefully they will get the care they need when they get home.”
Ads on social media can 'normalise' drugs
A UK report on youth social media habits commissioned by advocacy group Volteface found a quarter of young people were exposed to illegal drug dealers on social media.
The poll of 2,006 people aged 16-24 assessed their exposure to drug dealers online in a nationally representative survey.
Of those admitting to seeing drugs for sale online, 56 per cent saw them advertised on Snapchat, 55 per cent on Instagram and 47 per cent on Facebook.
Cannabis was the drug most pushed by online dealers, with 63 per cent of survey respondents claiming to have seen adverts on social media for the drug, followed by cocaine (26 per cent) and MDMA/ecstasy, with 24 per cent of people.
Sole survivors
- Cecelia Crocker was on board Northwest Airlines Flight 255 in 1987 when it crashed in Detroit, killing 154 people, including her parents and brother. The plane had hit a light pole on take off
- George Lamson Jr, from Minnesota, was on a Galaxy Airlines flight that crashed in Reno in 1985, killing 68 people. His entire seat was launched out of the plane
- Bahia Bakari, then 12, survived when a Yemenia Airways flight crashed near the Comoros in 2009, killing 152. She was found clinging to wreckage after floating in the ocean for 13 hours.
- Jim Polehinke was the co-pilot and sole survivor of a 2006 Comair flight that crashed in Lexington, Kentucky, killing 49.
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Profile of VoucherSkout
Date of launch: November 2016
Founder: David Tobias
Based: Jumeirah Lake Towers
Sector: Technology
Size: 18 employees
Stage: Embarking on a Series A round to raise $5 million in the first quarter of 2019 with a 20 per cent stake
Investors: Seed round was self-funded with “millions of dollars”
