It is the life milestone that I should have achieved nearly two decades ago.
Now, after years of failed attempts, I've finally passed my driving test, in Dubai, aged nearly 37.
It's been a rollercoaster.
Having taken lessons in Scotland aged 18 and again at 24, I failed on a total of four occasions and promptly gave up, until signing up again to learn in Dubai earlier this year.
Many, many thousands of dirhams later — I'll tell you how much at the end — I've finally been allowed onto the roads, after passing on my second attempt.
But as I'm finding out, the learning process continues long after you're able to legally drive. Passing and becoming a good driver on this country's often wild roads are two different things.
For fellow beginners, here are a couple of humble tips that I can offer.
Get the basics right
At the very start of my first road exam, in the driving school car park in Al Quoz, the RTA examiner asked me to switch the car on.
And I had no idea. That was after 18 two-hour lessons over three months.
As daft as it sounds, the car had always been running when I got in. This keyless vehicle had a start button.
Floundering, I figured out I had to put the car in standby by pushing the ignition once, then pressing down the brake again and the ignition button again to start the engine.
It was a bad start to a bad first test, and I went on to make other mistakes and received a fail.
Early on in your lessons, ask if you can pop open the bonnet and see the engine. Make sure you understand the fundamentals of the car too.
Rules of the road
I spent weeks chipping away at 10 hours of online video classes for the mandatory theory course, which is sat before you ever get into a car.
And I could answer most of the questions correctly, passing the first time around. But I didn't really understand the roads — at all.
Take your time to understand with your instructor which lane to use on a roundabout and who has right of way in any given situation.
When you start your driving classes, it is assumed that you understand how the road system works and instructors tend to skip over the obvious.
Master the lane change - and take your lessons at rush hour
Squeezing between fast-moving SUVs and construction trucks to change lanes doesn't come naturally.
Your inclination is to cautiously hang back. That's one of the main mistakes examiners look for and fail students for.
Being cautious is a virtue but slowing down and nervously hovering into the next lane? It's even more dangerous.
I booked all of my later lessons at rush hour and tackled the problem head-on, switching lanes in aggressive traffic until it clicked. Eventually, I tackled Al Khail Road, Mohamed bin Zayed Road and Emirates Road, all during rush hour.
Learn how to drive, not just learn how to pass
Some instructors spend a lot of time telling you what to expect in the test and how to pass it.
You're there to learn how to drive.
Don't be afraid to ask to go over the basics again and again, and ask why you're being taught certain things. I did four night-time driving classes instead of the mandatory one, which helps to get used to hazards.
When it came to the high-speed motorway lessons, normally done before your first test, I asked for two instead of one.
By the time you sit your test, the examiner will see a calm and confident student behind the wheel.
Check your blind spot
It's the cause of many accidents, including fatal ones. Last year, 22 motorbike riders died and 253 were hurt on Dubai's roads.
A surge in the number of motorcycle delivery riders in the past five years has made the traffic on roads even more fast-moving. E-scooters are an even bigger problem.
And they can often be found hovering around your blind spots. A quick shoulder check can make the difference between life and death.
And finally, you can't do much to avoid bad or aggressive drivers - they're everywhere - but you can stick to the rules and keep yourself safe.
___________________________
Quick facts
How much does it cost to learn?
For a total beginner, you'll need 20 hours of lessons as mandatory, which are packaged into two-hour lessons. If you have a licence from back home, you can do an automatic switch from some countries, while others, such as India and Pakistan, require five or 10 hours of lessons and a test to be sat.
The main driving schools such as Emirates Driving Institute (EDI), Belhasa Driving Centre and Galadari, charge about Dh4,500 to Dh5,500 for a course, once fees and various permits are added in.
You have to pay more for extra lessons, and if you fail you're required to do four hours of learning before sitting the test again.
Most of the schools offer fast-track courses in luxury vehicles. I paid about Dh22,500 for EDI's all-inclusive platinum course — far, far more than I ever planned to.
Towards the end, the RTA brought in new costs for luxury courses only meaning you must pay Dh1,100 for each test, and I took two tests to pass.
It's an extremely expensive way to learn.
What's the pass rate?
According to instructors, the RTA road test pass rate is just under 50 per cent, or precisely 46 per cent when I asked.
For the gold/platinum courses that the schools offer, which include unlimited lessons, it is claimed that the pass rate is more than 80 per cent, meaning that the vast majority pass on the first or second attempt, owing to extra lessons and more tailored instruction.
What's the test like?
It is 10 to 15 minutes of driving in Al Quoz or Al Qusais with an RTA road test examiner, which is a profession reserved for Emiratis.
Normally you sit your parking test separately in a closed car park earlier in your course, then at the end sit a driving-only test. In the course I did, you do both together in one test.
Some of the driving schools still put several students forward in the same car - a real quirk of the system - so that you rotate for the examiner.
If you fail, don't panic. Listen to the feedback from the examiner, it will help you to pass next time.
Good luck.
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.”
New UK refugee system
- A new “core protection” for refugees moving from permanent to a more basic, temporary protection
- Shortened leave to remain - refugees will receive 30 months instead of five years
- A longer path to settlement with no indefinite settled status until a refugee has spent 20 years in Britain
- To encourage refugees to integrate the government will encourage them to out of the core protection route wherever possible.
- Under core protection there will be no automatic right to family reunion
- Refugees will have a reduced right to public funds
Desert Warrior
Starring: Anthony Mackie, Aiysha Hart, Ben Kingsley
Director: Rupert Wyatt
Rating: 3/5
In numbers: China in Dubai
The number of Chinese people living in Dubai: An estimated 200,000
Number of Chinese people in International City: Almost 50,000
Daily visitors to Dragon Mart in 2018/19: 120,000
Daily visitors to Dragon Mart in 2010: 20,000
Percentage increase in visitors in eight years: 500 per cent
info-box
COMPANY PROFILE
Company name: Happy Tenant
Started: January 2019
Co-founders: Joe Moufarrej and Umar Rana
Based: Dubai
Sector: Technology, real-estate
Initial investment: Dh2.5 million
Investors: Self-funded
Total customers: 4,000
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
Under 19 Cricket World Cup, Asia Qualifier
Fixtures
Friday, April 12, Malaysia v UAE
Saturday, April 13, UAE v Nepal
Monday, April 15, UAE v Kuwait
Tuesday, April 16, UAE v Singapore
Thursday, April 18, UAE v Oman
UAE squad
Aryan Lakra (captain), Aaron Benjamin, Akasha Mohammed, Alishan Sharafu, Anand Kumar, Ansh Tandon, Ashwanth Valthapa, Karthik Meiyappan, Mohammed Faraazuddin, Rishab Mukherjee, Niel Lobo, Osama Hassan, Vritya Aravind, Wasi Shah
Jewel of the Expo 2020
252 projectors installed on Al Wasl dome
13.6km of steel used in the structure that makes it equal in length to 16 Burj Khalifas
550 tonnes of moulded steel were raised last year to cap the dome
724,000 cubic metres is the space it encloses
Stands taller than the leaning tower of Pisa
Steel trellis dome is one of the largest single structures on site
The size of 16 tennis courts and weighs as much as 500 elephants
Al Wasl means connection in Arabic
World’s largest 360-degree projection surface
Skoda Superb Specs
Engine: 2-litre TSI petrol
Power: 190hp
Torque: 320Nm
Price: From Dh147,000
Available: Now
Avatar: Fire and Ash
Director: James Cameron
Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana
Rating: 4.5/5
World Cricket League Division 2
In Windhoek, Namibia - Top two teams qualify for the World Cup Qualifier in Zimbabwe, which starts on March 4.
UAE fixtures
Thursday, February 8 v Kenya; Friday, February 9 v Canada; Sunday, February 11 v Nepal; Monday, February 12 v Oman; Wednesday, February 14 v Namibia; Thursday, February 15 final