Sardara has put his four children through school and college and paid for their marriages. The 59-year-old is among the many expats who want to work on past 60 and save for their own retirement. Pawan Singh / The National
Sardara has put his four children through school and college and paid for their marriages. The 59-year-old is among the many expats who want to work on past 60 and save for their own retirement. Pawan Singh / The National
Sardara has put his four children through school and college and paid for their marriages. The 59-year-old is among the many expats who want to work on past 60 and save for their own retirement. Pawan Singh / The National
Sardara has put his four children through school and college and paid for their marriages. The 59-year-old is among the many expats who want to work on past 60 and save for their own retirement. Pawan

UAE over 60 visas: Indian driver desperate to continue working to save for future


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When he turns 60 in April, Sardara Singh hopes to begin saving money for himself for the first time in his life.

The grandfather and driver has sent all his earnings to his family in India for the past 25 years. His dream is to save up to buy his first car.

And when he does retire, with his wife by his side, he hopes to travel by road on pilgrimages to temples and gurdwaras across India.

I spent my salary on college for my children and on their weddings. I need to start earning again so I can look after myself and my wife

Expatriates are expected to retire and leave the country when they reach 60, often after decades in the Emirates.

They can work until 65 with approval from the Ministry of Labour, but employers must apply for annual extensions of their contracts.

This week, the UAE government said it would allow domestic workers to stay in the country after 60.

Long-standing residents in other labour categories, like Mr Singh, hope they will also be able to extend their stay.

"It will be good if I can continue to work for a few more years because I don't have any money saved," said Mr Singh, who first worked in a Sharjah factory as a steel fitter when he came to the UAE in 1994.

He now drives a pickup truck to transport glass and aluminium materials to work sites. He also drives a bus taking labourers to factories across the country.

“I spent my salary on college for my children and on their weddings,” he said.

“I need to start earning again so I can look after myself and my wife.”

Construction workers and other labourers usually earn salaries ranging from Dh800 to Dh2,000 a month. They send home most of their wages to pay for loans and expenses, given most labour companies provide accommodation. Despite working overseas for most of their life, they rarely save for retirement.

Many domestic workers look after more than one generation of a family. Nicole Hill / The National
Many domestic workers look after more than one generation of a family. Nicole Hill / The National

Mr Singh’s salary has covered the school and college education of three daughters and a son, along with their marriage expenses.

The certainty of monthly pay cheques helped him add floor tiles and build a bathroom to spruce up his small family home in Binpalke village.

Mr Singh chose the UAE over the family farm where his brothers grow rice, wheat, sugar cane and potatoes because he did not want his life tied to an unreliable annual harvest.

“How could I have done anything for my family if I relied on the farm? I have got everything I wanted for my family by working here,” he said

To save money, he rarely leaves his accommodation in Sharjah on Fridays – his one day off – but he enjoys the city.

"I have stayed so long because no one bothers you. I work, I earn money, I live my life," he said. 
"Every time I went home I wanted to spend time with the family so there was no time or money to travel anywhere else.

“My dream is to drive my own car and with my wife visit relatives and see temples and gurdwaras in the country. That is my small dream.

“Maybe I can do this if I work more in the UAE.”

UAE currency: the story behind the money in your pockets

Indoor cricket World Cup:
Insportz, Dubai, September 16-23

UAE fixtures:
Men

Saturday, September 16 – 1.45pm, v New Zealand
Sunday, September 17 – 10.30am, v Australia; 3.45pm, v South Africa
Monday, September 18 – 2pm, v England; 7.15pm, v India
Tuesday, September 19 – 12.15pm, v Singapore; 5.30pm, v Sri Lanka
Thursday, September 21 – 2pm v Malaysia
Friday, September 22 – 3.30pm, semi-final
Saturday, September 23 – 3pm, grand final

Women
Saturday, September 16 – 5.15pm, v Australia
Sunday, September 17 – 2pm, v South Africa; 7.15pm, v New Zealand
Monday, September 18 – 5.30pm, v England
Tuesday, September 19 – 10.30am, v New Zealand; 3.45pm, v South Africa
Thursday, September 21 – 12.15pm, v Australia
Friday, September 22 – 1.30pm, semi-final
Saturday, September 23 – 1pm, grand final

The biog

Favourite Emirati dish: Fish machboos

Favourite spice: Cumin

Family: mother, three sisters, three brothers and a two-year-old daughter

Dust and sand storms compared

Sand storm

  • Particle size: Larger, heavier sand grains
  • Visibility: Often dramatic with thick "walls" of sand
  • Duration: Short-lived, typically localised
  • Travel distance: Limited 
  • Source: Open desert areas with strong winds

Dust storm

  • Particle size: Much finer, lightweight particles
  • Visibility: Hazy skies but less intense
  • Duration: Can linger for days
  • Travel distance: Long-range, up to thousands of kilometres
  • Source: Can be carried from distant regions
Who's who in Yemen conflict

Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government

Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council

Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south

Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory

Will the pound fall to parity with the dollar?

The idea of pound parity now seems less far-fetched as the risk grows that Britain may split away from the European Union without a deal.

Rupert Harrison, a fund manager at BlackRock, sees the risk of it falling to trade level with the dollar on a no-deal Brexit. The view echoes Morgan Stanley’s recent forecast that the currency can plunge toward $1 (Dh3.67) on such an outcome. That isn’t the majority view yet – a Bloomberg survey this month estimated the pound will slide to $1.10 should the UK exit the bloc without an agreement.

New Prime Minister Boris Johnson has repeatedly said that Britain will leave the EU on the October 31 deadline with or without an agreement, fuelling concern the nation is headed for a disorderly departure and fanning pessimism toward the pound. Sterling has fallen more than 7 per cent in the past three months, the worst performance among major developed-market currencies.

“The pound is at a much lower level now but I still think a no-deal exit would lead to significant volatility and we could be testing parity on a really bad outcome,” said Mr Harrison, who manages more than $10 billion in assets at BlackRock. “We will see this game of chicken continue through August and that’s likely negative for sterling,” he said about the deadlocked Brexit talks.

The pound fell 0.8 per cent to $1.2033 on Friday, its weakest closing level since the 1980s, after a report on the second quarter showed the UK economy shrank for the first time in six years. The data means it is likely the Bank of England will cut interest rates, according to Mizuho Bank.

The BOE said in November that the currency could fall even below $1 in an analysis on possible worst-case Brexit scenarios. Options-based calculations showed around a 6.4 per cent chance of pound-dollar parity in the next one year, markedly higher than 0.2 per cent in early March when prospects of a no-deal outcome were seemingly off the table.

Bloomberg

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The five pillars of Islam

1. Fasting 

2. Prayer 

3. Hajj 

4. Shahada 

5. Zakat