Parents in UAE question personal and legal survey on school pupils


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ABU DHABI // School officials at the Abu Dhabi Education Council have been conducting a survey among secondary students that asks personal and legal questions, in turn raising questions among parents.

The “Youth Risk Behaviour Survey”, which Adec called a health-and-safety survey, asked Cycle 3 students – grades 10, 11 and 12 – more than 100 questions. In a memo issued on April 14, teachers were asked to administer the survey to children in computer-science classes. Although participation was voluntary, parents were not consulted.

Dr Amal Al Qubaisi, director general of Adec, said that the council “conducts annual surveys of public schools for the purpose of gathering key indicators which include important feedback from the relevant stakeholders, including teachers, students and parents”.

She continued that this year, “Adec, along with five other major government entities in the UAE, is participating in a survey programme aimed at accessing key matrixes that affect the overall well-being of the student and school environment”.

She added: “This programme is one that has been also launched in 75 countries around the world. Prior to launching the full programme, Adec, along with its Government partners, performed a pilot survey and is now evaluating the process to ensure proper consultation with stakeholders with a key focus on parents.”

Although an Adec memo sent to teachers said the survey was to continue to June 5, the website it was on has since gone offline.

Dr Al Qubaisi said that “it is Adec’s policy to consult and seek feedback from parents, institutions and teachers and considers such consults to be a pillar of its strategy.”

The survey seems to mirror closely the Youth Risk Behaviour Surveillance System survey produced by the Centres for Disease Control in the US. That survey was conducted in high schools across the country. Although participation was voluntary, parental permission was required.

The questions in the Adec survey range from the innocuous, asking about students’ eating and car-safety habits, to those quite personal, asking about possible drug use and views on homosexuality.

An Emirati teacher who was asked to administer the survey this week to high-school girls said she was taken by surprise by it.

“They have opened the students’ eyes to things and words that some of them are unaware of.”

The message on Adec’s web portal says the survey was “valuable to draw accurate and broad insights into the advantages and challenges of the education system in the Abu Dhabi emirate”.

It stressed that all information provided was confidential and “no names will ever be reported to anyone. The answers you give will be kept confidential. No one will know what you write. Answer the questions based on what you really do”.

The memo received by computer-science teachers at an Al Ain girls’ school said pupils had to complete the survey during class time.

According to the memo: “Students must complete the survey at school under the supervision of the computer lab instructor ... it will take approximately 35 minutes to complete.”

S A, a German mother of four, said: “I see no justification for it. ”

The survey also asked students if they had ever been physically, sexually or emotionally abused on school premises or in the home.

Other questions parents said they found disturbing asked if students carried weapons, such as a gun or a knife, to school, and how many times they had driven a car while taking drugs such as marijuana and cocaine and whether or not they had tried to commit suicide.

Parents and teachers agreed that having lectures or lessons on activities and behaviours that were considered illegal or culturally unacceptable would be a better way to present such issues. They also thought it was the role of a guidance counsellor to ask students many of the questions privately.

“Students won’t answer these questions truthfully or even bother to answer them in the first place,” an Adec guidance counsellor said.

“They don’t even complain to us guidance counsellors. In a school of over 300 students, I’ve had only five students come forward with complaints of some sort of abuse and they will only come forward once and never again.”

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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.”

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Play-off 3rd: UAE beat Russia 2-1 (in extra time).

Play-off 5th: Japan beat Egypt 7-2.

Play-off 7th: Italy beat Mexico 3-2.

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Fixtures All matches start at 9.30am, at ICC Academy, Dubai. Admission is free

Thursday UAE v Ireland; Saturday UAE v Ireland; Jan 21 UAE v Scotland; Jan 23 UAE v Scotland

UAE squad Rohan Mustafa (c), Ashfaq Ahmed, Ghulam Shabber, Rameez Shahzad, Mohammed Boota, Mohammed Usman, Adnan Mufti, Shaiman Anwar, Ahmed Raza, Imran Haider, Qadeer Ahmed, Mohammed Naveed, Amir Hayat, Zahoor Khan

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The insured employee may still file an ILOE claim even if a labour dispute is ongoing post termination, but the insurer may suspend or reject payment, until the courts resolve the dispute, especially if the reason for termination is contested. The outcome of the labour court proceedings can directly affect eligibility.


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Key changes

Commission caps

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. 

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• 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.

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UK
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The scheme is designed for foreign investors committed to making a significant contribution to the economy. Requires a minimum investment of €250,000 which can rise to €2 million.

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Residence Programme offers residence to applicants and their families through economic contributions. The applicant must agree to pay an annual lump sum in tax.

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Start-Up Visa Programme allows foreign entrepreneurs the opportunity to create a business in Canada and apply for permanent residence. 

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The specs

Engine: four-litre V6 and 3.5-litre V6 twin-turbo

Transmission: six-speed and 10-speed

Power: 271 and 409 horsepower

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