Down a dirt track off the Dubai-Al Ain Road, in one of the UAE’s greenest regions, you will find a sprawling farm that is home to some of the tastiest berry selections.
Bumblebees imported from Europe help to pollinate thousands of berry bushes at Al Foah Farm in Al Ain, with about 1,500 bees per hectare working furiously between the planting and harvesting months.
The farm, owned and operated by Elite Agro Holding, leads the local production of some of nature’s best superfoods including raspberries, blackberries, and strawberries.
Localisation is our unique selling point. You can’t get fresher than this
Ian Summerfield,
Elite Agro
But it also holds the title of being the only steading in the country growing blueberries.
“Berries are fascinating because they have such a short shelf life but have become super popular with consumers in recent years,” said Ian Summerfield, chief executive of Elite Agro.
“Localisation is our unique selling point. You can’t get fresher than this.
“We operate something called the triple two policy.
“Taking the berries from harvest to cool storage takes less than two hours, the berries are only touched by two hands; the picker and the consumer, and we store all our produce at 2°C to keep it fresh.”
Large greenhouses fitted with water-based cooling systems house thousands of plants and bushes where the berries are in full bloom throughout their given season.
Blueberries are usually harvested from January to May and raspberries and blackberries from October to April.
Twenty greenhouses dedicated to blueberry production cover a total area of 12 hectares, with an average of 5,400 blueberry plants per hectare.
Raspberry and blackberry production is smaller in scale, covering a total area of 1.8 hectares and 1.2 hectares, respectively.
The farm is home to four premium varieties of blueberries ― dazzle, eureka, eureka sunrise and first blush. The plants are brought in from a breeder in Australia called Mountain Blue Orchard.
In terms of taste profile, Mr Summerfield said the blueberries have a "sweet but sharp flavour, are larger in size than most and have a crunchy texture".
“We had to find berries that could cope with this climate but still give a great burst of flavour,” he said.
“In 2017 we signed an exclusivity deal with Mountain Blue Orchard as we found these varieties would be best for this market both for flavour, texture and size but also for the growing conditions we had.
“We are the largest and only blueberry growers in the UAE and we’re the only people allowed to grow these varieties of berries in the Middle East.”
Fruitful production annually
During harvest, the blueberries are picked three times a week by farmhands and reach retail shelves within 24 hours.
Depending on where you shop, a 500g punnet of Elite blueberries, can cost between Dh30 to Dh40.
Annually, the farm produces about 300 tonnes of blueberries, 70 tonnes of raspberries and 30 tonnes of blackberries across tens of hectares of greenhouse spaces.
Over the next few years, Mr Summerfield said the farm will expand its blueberry crop by 13 hectares, meaning by 2026 it will produce close to 700 tonnes of blueberries a year.
How do you grow the perfect blueberry?
Blueberries have very specific pH requirements, so the saplings are planted in coco peat, made from coconut husks, and perlite, a naturally occurring mineral.
A drip system, which distributes a combination of water and fertiliser, is used for each plant and it receives about 3.5 litres of water per day in the hot summer months and only one litre during the cooler winter season.
For pollination, each flower on the plant needs to be visited by a bee between 18-23 times in a season, and each plant has around 1,600 flowers.
To keep pests at bay, the farm also introduces insect predators to kill unwanted bugs as an alternative to using harmful and costly pesticides.
Mr Summerfield said the biggest pest is a tiny insect called thrip and they bring in beetles to kill them off.
Spread across 570 hectares of land, the farm also produces peppers, tomatoes, cucumbers and potatoes.
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What is dialysis?
Dialysis is a way of cleaning your blood when your kidneys fail and can no longer do the job.
It gets rid of your body's wastes, extra salt and water, and helps to control your blood pressure. The main cause of kidney failure is diabetes and hypertension.
There are two kinds of dialysis — haemodialysis and peritoneal.
In haemodialysis, blood is pumped out of your body to an artificial kidney machine that filter your blood and returns it to your body by tubes.
In peritoneal dialysis, the inside lining of your own belly acts as a natural filter. Wastes are taken out by means of a cleansing fluid which is washed in and out of your belly in cycles.
It isn’t an option for everyone but if eligible, can be done at home by the patient or caregiver. This, as opposed to home haemodialysis, is covered by insurance in the UAE.
The alternatives
• Founded in 2014, Telr is a payment aggregator and gateway with an office in Silicon Oasis. It’s e-commerce entry plan costs Dh349 monthly (plus VAT). QR codes direct customers to an online payment page and merchants can generate payments through messaging apps.
• Business Bay’s Pallapay claims 40,000-plus active merchants who can invoice customers and receive payment by card. Fees range from 1.99 per cent plus Dh1 per transaction depending on payment method and location, such as online or via UAE mobile.
• Tap started in May 2013 in Kuwait, allowing Middle East businesses to bill, accept, receive and make payments online “easier, faster and smoother” via goSell and goCollect. It supports more than 10,000 merchants. Monthly fees range from US$65-100, plus card charges of 2.75-3.75 per cent and Dh1.2 per sale.
• 2checkout’s “all-in-one payment gateway and merchant account” accepts payments in 200-plus markets for 2.4-3.9 per cent, plus a Dh1.2-Dh1.8 currency conversion charge. The US provider processes online shop and mobile transactions and has 17,000-plus active digital commerce users.
• PayPal is probably the best-known online goods payment method - usually used for eBay purchases - but can be used to receive funds, providing everyone’s signed up. Costs from 2.9 per cent plus Dh1.2 per transaction.
Our family matters legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
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.”
How Apple's credit card works
The Apple Card looks different from a traditional credit card — there's no number on the front and the users' name is etched in metal. The card expands the company's digital Apple Pay services, marrying the physical card to a virtual one and integrating both with the iPhone. Its attributes include quick sign-up, elimination of most fees, strong security protections and cash back.
What does it cost?
Apple says there are no fees associated with the card. That means no late fee, no annual fee, no international fee and no over-the-limit fees. It also said it aims to have among the lowest interest rates in the industry. Users must have an iPhone to use the card, which comes at a cost. But they will earn cash back on their purchases — 3 per cent on Apple purchases, 2 per cent on those with the virtual card and 1 per cent with the physical card. Apple says it is the only card to provide those rewards in real time, so that cash earned can be used immediately.
What will the interest rate be?
The card doesn't come out until summer but Apple has said that as of March, the variable annual percentage rate on the card could be anywhere from 13.24 per cent to 24.24 per cent based on creditworthiness. That's in line with the rest of the market, according to analysts
What about security?
The physical card has no numbers so purchases are made with the embedded chip and the digital version lives in your Apple Wallet on your phone, where it's protected by fingerprints or facial recognition. That means that even if someone steals your phone, they won't be able to use the card to buy things.
Is it easy to use?
Apple says users will be able to sign up for the card in the Wallet app on their iPhone and begin using it almost immediately. It also tracks spending on the phone in a more user-friendly format, eliminating some of the gibberish that fills a traditional credit card statement. Plus it includes some budgeting tools, such as tracking spending and providing estimates of how much interest could be charged on a purchase to help people make an informed decision.
* Associated Press
The specs
Engine: 6.2-litre V8
Transmission: ten-speed
Power: 420bhp
Torque: 624Nm
Price: Dh325,125
On sale: Now
Defence review at a glance
• Increase defence spending to 2.5% of GDP by 2027 but given “turbulent times it may be necessary to go faster”
• Prioritise a shift towards working with AI and autonomous systems
• Invest in the resilience of military space systems.
• Number of active reserves should be increased by 20%
• More F-35 fighter jets required in the next decade
• New “hybrid Navy” with AUKUS submarines and autonomous vessels
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