Millions of Muslims worldwide observe the month of Ramadan each year.
This year, the period of fasting began on March 11 for many countries, although some – including Indonesia, the Philippines, Morocco and Japan – will mark the first day of Ramadan in their calendars as March 12.
Throughout the holy month, Muslims abstain from food and drink from sunrise to sunset. Fasting during Ramadan is one of the five pillars of Islam, along with prayer, giving money to charity (zakat), Hajj, and saying the Shahada, which is a profession of faith.
Ramadan is the ninth and holiest month in the Islamic calendar and is a way to get closer to Allah, as well as recognising the needs of the underprivileged.
For those who are unfamiliar with Ramadan, here are several words you will likely hear often throughout the month.
1. Ramadan kareem or Ramadan mubarak
Ramadan kareem translates from Arabic to "generous Ramadan". It is the most common greeting used in the UAE.
In Islam, the holy month is believed to bring many rewards, so Muslims wish a generous Ramadan to each other.
Ramadan mubarak is another common greeting that means "happy Ramadan" or "blessed Ramadan".
You can use this or Ramadan kareem as a way of greeting one another throughout the holy month.
2. Sawm or siyam
These variations of the same word translate from Arabic to "fast".
While fasting, Muslims do not eat, drink or smoke. A greater focus is placed on worshipping, being thankful, getting closer to Allah and understanding the needs of the underprivileged.
You might also hear "ana sayim / sayma", which means "I am fasting".
3. Iftar
This is the meal that you open your fast with. It will be the first Ramadan in three years to be held without Covid-19 restrictions, after authorities dropped an indoor mask mandate in September last year.
Previous limitations on gatherings that once affected Ramadan traditions, such as visiting family and iftar or suhoor tents are no longer in place, allowing the full spirit of the month to be felt once more. Usually, majlis or tents are set up to host large gatherings for iftar.
4. Madfa
This is the iftar cannon that sounds when the sun sets and signifies the end of the fast. Uqlat Al Madfa, or the firing of the cannon, means Muslims can break their fast and have iftar.
5. Suhoor
Suhoor is the meal eaten before the fast begins, just before dawn. Health experts recommend lots of water and healthy food options to keep the body hydrated throughout the day.
6. Imsak
This Arabic word means beginning the daily fast. It is a period of time, about 10 minutes, before the dawn prayer begins and when people, who have eaten suhoor, must stop eating.
7. Mosaharaty
A mosaharaty is a person that roams the streets waking Muslims just before dawn to have suhoor. The traditional job is fast disappearing from modern life but can still be found in some areas of Egypt and Indonesia. Some use drums while others recite prayers to wake the sleepers.
8. Qada
Qada means to make up for an Islamic duty that was missed. During Ramadan, this is typically referred to someone doing something to make up for missing a fast.
Muslims are required to fast during Ramadan unless they are unwell, travelling or menstruating. Other reasons a Muslim might need to make up for missing a fast include accidentally eating or drinking, excessive bleeding or throwing up.
9. Kaffara
When a Muslim misses a fast for other reasons, they may need to carry out a penalty, which is called kaffara. This requires the individual to fast an additional 60 days. If they are unable to, they must instead feed 60 underprivileged people, with one average meal served to each.
10. Salah
Salah is prayer. Muslims are obliged to pray five times a day – fajr is the dawn prayer, dhuhr is in the afternoon, asr is in late afternoon, maghrib is the sunset prayer and isha is also a late evening prayer. During Ramadan, Muslims are encouraged to also pray taraweeh – though this is not obligatory.
11. Taraweeh
Taraweeh prayers take place after isha. These are extended prayers, typically performed in congregation at a mosque. During each nightly taraweeh, an imam will recite one of the 30 sections of the Quran. This ensures the holy book is completed by the end of Ramadan. While regular prayers can take between five to 10 minutes, taraweeh can take up to an hour.
12. Laylat Al Qadr
The final 10 days of Ramadan are considered the most holy because it is believed to have been the period in which the first verses of the Quran were revealed to Prophet Mohammed by the angel Jibril (Gabriel). Laylat Al Qadr, or the night of destiny, is believed to be one of the odd numbered nights during the final 10 days. During this period, Muslims increase their piety and it is said that acts of goodness and night prayers carried out on Laylat Al Qadr are better than those carried out over 83 years.
13. Itikaf
This means to isolate and dedicate one’s time to something. During the final 10 days of Ramadan, Muslims spend their days and nights at the mosque.
14. Eid Al Fitr
Eid Al Fitr is the religious holiday that celebrates the end of Ramadan. Iftar is a derivative of fitr, which means to eat or break the fast so Eid Al Fitr is the "festival of breaking the fast".
Fasting is not permitted during Eid Al Fitr. Muslims offer Eid prayers on this occasion.
15. Zakat and Zakat Al Fitr
Zakat is one of the five pillars of Islam. It means to donate a certain percentage of one’s wealth to charitable causes.
Muslims around the world make donations during the Ramadan month.
Zakat Al Fitr is paid before the Eid Al Fitr prayer at the end of Ramadan.
15 Ramadan phrases to learn:
- Ramadan Kareem or Ramadan Mubarak
- Sawm or siyam
- Iftar
- Madfa
- Suhoor
- Imsak
- Mosaharaty
- Qada
- Kaffara
- Salah
- Taraweeh
- Laylat Al Qadr
- Itikaf
- Eid Al Fitr
- Zakat and Zakat Al Fitr
This story was first published on April 2, 2022
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FIGHT CARD
From 5.30pm in the following order:
Featherweight
Marcelo Pontes (BRA) v Azouz Anwar (EGY)
Catchweight 90kg
Moustafa Rashid Nada (KSA) v Imad Al Howayeck (LEB)
Welterweight
Mohammed Al Khatib (JOR) v Gimbat Ismailov (RUS)
Flyweight (women)
Lucie Bertaud (FRA) v Kelig Pinson (BEL)
Lightweight
Alexandru Chitoran (BEL) v Regelo Enumerables Jr (PHI)
Catchweight 100kg
Mohamed Ali (EGY) v Marc Vleiger (NED)
Featherweight
James Bishop (AUS) v Mark Valerio (PHI)
Welterweight
Gerson Carvalho (BRA) v Abdelghani Saber (EGY)
Middleweight
Bakhtiyar Abbasov (AZE) v Igor Litoshik (BLR)
Bantamweight:
Fabio Mello (BRA) v Mark Alcoba (PHI)
Welterweight
Ahmed Labban (LEB) v Magomedsultan Magemedsultanov (RUS)
Bantamweight
Trent Girdham (AUS) v Jayson Margallo (PHI)
Lightweight
Usman Nurmagomedov (RUS) v Roman Golovinov (UKR)
Middleweight
Tarek Suleiman (SYR) v Steve Kennedy (AUS)
Lightweight
Dan Moret (USA) v Anton Kuivanen (FIN)
Islamophobia definition
A widely accepted definition was made by the All Party Parliamentary Group on British Muslims in 2019: “Islamophobia is rooted in racism and is a type of racism that targets expressions of Muslimness or perceived Muslimness.” It further defines it as “inciting hatred or violence against Muslims”.
BORDERLANDS
Starring: Cate Blanchett, Kevin Hart, Jamie Lee Curtis
Director: Eli Roth
Rating: 0/5
THE SPECS
Engine: 1.6-litre turbo
Transmission: six-speed automatic
Power: 165hp
Torque: 240Nm
Price: From Dh89,000 (Enjoy), Dh99,900 (Innovation)
On sale: Now
Final round
25 under - Antoine Rozner (FRA)
23 - Francesco Laporta (ITA), Mike Lorenzo-Vera (FRA), Andy Sullivan (ENG), Matt Wallace (ENG)
21 - Grant Forrest (SCO)
20 - Ross Fisher (ENG)
19 - Steven Brown (ENG), Joakim Lagergren (SWE), Niklas Lemke (SWE), Marc Warren (SCO), Bernd Wiesberger (AUT)
India team for Sri Lanka series
Test squad: Rohit Sharma (captain), Priyank Panchal, Mayank Agarwal, Virat Kohli, Shreyas Iyer, Hanuma Vihari, Shubhman Gill, Rishabh Pant (wk), KS Bharath (wk), Ravindra Jadeja, Jayant Yadav, Ravichandran Ashwin, Kuldeep Yadav, Sourabh Kumar, Mohammed Siraj, Umesh Yadav, Mohammed Shami, Jasprit Bumrah.
T20 squad: Rohit Sharma (captain), Ruturaj Gaikwad, Shreyas Iyer, Surya Kumar Yadav, Sanju Samson, Ishan Kishan (wk), Venkatesh Iyer, Deepak Chahar, Deepak Hooda, Ravindra Jadeja, Yuzvendra Chahal, Ravi Bishnoi, Kuldeep Yadav, Mohammed Siraj, Bhuvneshwar Kumar, Harshal Patel, Jasprit Bumrah, Avesh Khan
Avatar: Fire and Ash
Director: James Cameron
Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana
Rating: 4.5/5
The Birkin bag is made by Hermès.
It is named after actress and singer Jane Birkin
Noone from Hermès will go on record to say how much a new Birkin costs, how long one would have to wait to get one, and how many bags are actually made each year.
IF YOU GO
The flights: FlyDubai offers direct flights to Catania Airport from Dubai International Terminal 2 daily with return fares starting from Dh1,895.
The details: Access to the 2,900-metre elevation point at Mount Etna by cable car and 4x4 transport vehicle cost around €57.50 (Dh248) per adult. Entry into Teatro Greco costs €10 (Dh43). For more go to www.visitsicily.info
Where to stay: Hilton Giardini Naxos offers beachfront access and accessible to Taormina and Mount Etna. Rooms start from around €130 (Dh561) per night, including taxes.
SPECS
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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.”
Groom and Two Brides
Director: Elie Semaan
Starring: Abdullah Boushehri, Laila Abdallah, Lulwa Almulla
Rating: 3/5
Our legal columnist
Name: Yousef Al Bahar
Advocate at Al Bahar & Associate Advocates and Legal Consultants, established in 1994
Education: Mr Al Bahar was born in 1979 and graduated in 2008 from the Judicial Institute. He took after his father, who was one of the first Emirati lawyers
The White Lotus: Season three
Creator: Mike White
Starring: Walton Goggins, Jason Isaacs, Natasha Rothwell
Rating: 4.5/5
The specs
Engine: 2.0-litre 4cyl turbo
Power: 261hp at 5,500rpm
Torque: 405Nm at 1,750-3,500rpm
Transmission: 9-speed auto
Fuel consumption: 6.9L/100km
On sale: Now
Price: From Dh117,059
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GAC GS8 Specs
Engine: 2.0-litre 4cyl turbo
Power: 248hp at 5,200rpm
Torque: 400Nm at 1,750-4,000rpm
Transmission: 8-speed auto
Fuel consumption: 9.1L/100km
On sale: Now
Price: From Dh149,900
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MATCH INFO
Uefa Champions League quarter-final, second leg (first-leg score)
Porto (0) v Liverpool (2), Wednesday, 11pm UAE
Match is on BeIN Sports
Red flags
- Promises of high, fixed or 'guaranteed' returns.
- Unregulated structured products or complex investments often used to bypass traditional safeguards.
- Lack of clear information, vague language, no access to audited financials.
- Overseas companies targeting investors in other jurisdictions - this can make legal recovery difficult.
- Hard-selling tactics - creating urgency, offering 'exclusive' deals.
Courtesy: Carol Glynn, founder of Conscious Finance Coaching
The specs
Engine: 3.5-litre twin-turbo V6
Power: 380hp at 5,800rpm
Torque: 530Nm at 1,300-4,500rpm
Transmission: Eight-speed auto
Price: From Dh299,000 ($81,415)
On sale: Now
Why it pays to compare
A comparison of sending Dh20,000 from the UAE using two different routes at the same time - the first direct from a UAE bank to a bank in Germany, and the second from the same UAE bank via an online platform to Germany - found key differences in cost and speed. The transfers were both initiated on January 30.
Route 1: bank transfer
The UAE bank charged Dh152.25 for the Dh20,000 transfer. On top of that, their exchange rate margin added a difference of around Dh415, compared with the mid-market rate.
Total cost: Dh567.25 - around 2.9 per cent of the total amount
Total received: €4,670.30
Route 2: online platform
The UAE bank’s charge for sending Dh20,000 to a UK dirham-denominated account was Dh2.10. The exchange rate margin cost was Dh60, plus a Dh12 fee.
Total cost: Dh74.10, around 0.4 per cent of the transaction
Total received: €4,756
The UAE bank transfer was far quicker – around two to three working days, while the online platform took around four to five days, but was considerably cheaper. In the online platform transfer, the funds were also exposed to currency risk during the period it took for them to arrive.
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