Time flies, even in a pandemic.
This year marks 11 years of my second stint living in the UAE – the previous was the first nine years of my life – I still recall landing in Abu Dhabi airport at the crack of dawn in 2011 excited yet uncertain of what this new adventure would hold.
I remember rationalising that if my job and colleagues were relatively decent, then everything else would be a bonus.
I got more than I bargained for. Friends and colleagues became family and I built a career allowing me to document the various developments of this most exciting and innovative of countries.
If I could change one thing, I would have told my younger self to relax more and enjoy the ride.
And so, let me pay it forward to the next generation of arrivals wondering how to make sense of and get more value from their big move, and offer some advice.
Here are 11 tips and useful life hacks to living and thriving in the UAE:
1. It takes time to settle
Living abroad can be both thrilling and terrifying.
The reason is that it affords the rare opportunity to start afresh.
Upon reflection, I was a blank canvas when arriving in the UAE in the winter of 2011.
Lacking a large circle of friends to immediately draw upon, it took effort to forge new connections, whether it’s going out for that post-work dinner after a particularly gruelling day or signing up to that social activity on a weekend morning.
While I didn’t meet “my people” immediately, I gradually built a network of those I love and rely on and, as a result, my canvas took on a colour and shape I couldn’t have dreamt of 11 years ago.
2. Practise your signature
Whether you are renting or buying property, chances are it needs to be paid in a series of cheques.
This means signing these documents in identical fashion.
This sounds simple enough, but then a good number of us – well, those under the age of 40 at least – didn’t have cheque books before arriving in the UAE and may have only signed the odd official document sporadically.
I've wasted countless cheques because my scrawling was deemed inconsistent by the bank.
I eventually retired that suspect signature (first devised as a teenager) and came up with something memorable.
I still practise it occasionally on notepads, because, as I learnt, unless you use it, you will lose it.
3. Be friends with the ‘natoor’
Meaning “concierge” in Arabic, the natoor in the Gulf is an institution and one of the most important people you will ever come across.
With most residing within the apartment buildings to which they are assigned, the natoor (or watchman as they are most commonly referred to) offers a broad range of services, from security and maintenance to resolving disputes with the landlord.
Treat them well and with understanding and you will find some of the major challenges of apartment living melt away.
4. Tell the launderette ‘you are travelling’
Once you build a genuine relationship with your local laundry master, you can access the best deal of all: them essentially packing your clothes before travelling.
For a negotiated fee of Dh20 ($5.45) extra, my independently owned laundry service folded my dry-cleaned shirts and trousers tightly before placing them in separate bundles wrapped in plastic.
Upon delivery, I place them neatly in my suitcase and my holiday packing is completed in less than two minutes.
5. Understand barber terminology
This one is aimed at the fellas looking for a haircut at establishments run by my dear South-east Asian brothers.
If you are not an Arabic speaker, you need to learn a few words to get your point across.
While a full glossary is provided here, one of the most important terms to remember is "tarteeb", meaning "order?"
This is simply the barber asking if you want your unkempt beard tidied.
Your response will probably be affirmative, otherwise you wouldn’t be sitting in that chair in the first place.
6. Always remember the landmarks
As someone who lived in nondescript apartments in dense neighbourhoods for five years, I realised Google Maps and official street signs mean nothing to delivery and taxi drivers.
Hence, one of the first tasks when moving in was finding out the nearest landmark to act as guide, such as the popular shawarma shop next door or pharmacy across the road.
Another tip is to find out the unofficial name attributed to your building by the neighbourhood retailers.
My previous Abu Dhabi residence was nicknamed the “silver building” because of its shiny exterior, a handy description when making local orders.
How did I know it was called that? Well, the trusty natoor told me, of course.
7. Learn the A, B and Cs of buffet eating
Hotel buffets are a social fact of life in the UAE, even if they went on hiatus during a portion of the pandemic.
The chances are you will undergo this culinary gauntlet frequently over the years either as part of personal and business functions, hotel getaways or the weekend brunch.
But to enjoy the lavish offerings sensibly requires focus and finesse.
As someone who mastered the art of the big meal, here are my A, B and Cs of what I like to describe as “buffet-ology”.
A: Check out the offerings before digging in and unless, respectfully, you are a vegetarian, pass over the salad and breads and head straight to the good stuff: the meats, chickens and the ouzi.
B: In the first round, begin by sampling as many dishes as you can through very small portions. While the plate may resemble a messy glug when returning to the table, such an approach is useful in determining what to aim for and avoid next time.
C: If you have a sweet tooth, check out the desserts immediately upon arrival. If appealing, pace yourself throughout the savoury dishes so you can arrive at the dessert stations with room to spare.
8. Embrace the morning
This is not an invitation to join the 5am club but more a gentle cajole to dial back the alarm clock by a couple of hours when possible.
Not only will you exercise in relatively cool temperatures, even during the summer, but the morning offers the chance to achieve thankless tasks, such as grocery shopping or banking, with minimal stress.
Frustrated UAE film buffs such as myself value the mornings.
Tired of sitting through films with talkative crowds, I have resorted to catching my films at 10am sessions on Saturday and Sunday and enjoying them the way they're meant to be enjoyed.
9. Accept iftar invitations
Ramadan is a deeply spiritual month for Muslims with many families opening their doors and hearts to break bread with friends and strangers.
Unless there is a justifiable reason, not accepting such an invitation is considered ill-mannered.
Not only do you run the risk of offending the host family but you deny yourself the opportunity of experiencing the kindness and generosity synonymous with the holy month.
So say ‘yes’ and enjoy the soulful atmosphere, even if you risk staying up past your bedtime.
10. The summers are not so bad
I am not going to lie: the first summer is always the worst.
The relentless heat and insufferable humidity is not for the faint-hearted and it will initially see you being cooped up at home for four months of the year.
However, with time, I learnt to appreciate some of the opportunities that come with the mercury rising.
For one thing, the school holidays and summer holidays have made the roads calmer with many families away on holiday (pandemic permitting).
That temporary exodus also results in many lavish resorts dropping their prices dramatically due to low occupancy, presenting an opportunity I have taken repeatedly throughout the decade.
Foodies can also look forward to the summer, with many restaurants using the quiet time for soft launches with friendly discounts.
While these features may not necessarily make the weather cooler, it proves that the summer months retain a charm and calmness of their own.
11. Goodbye is the hardest word
The last tip is the hardest and admittedly a work in progress.
No matter how long I have lived in the UAE, I still haven't mastered the art of saying goodbye.
This is despite having had ample practice of seeing off much-loved friends and families who have left for the next stages of their lives and careers.
I wish I can tell you it gets better over the years but it doesn't.
However, I have found the best way to steel myself for that future farewell is to enjoy those connections in the present because an authentic friendship knows no borders.
That means picking up the phone when you are tired to check up on those we hold dear and calling others to apologise for the late reply instead of allowing those relationships to wilt unnecessarily.
________________________
Key moments in UAE's 50 years
UAE v Gibraltar
What: International friendly
When: 7pm kick off
Where: Rugby Park, Dubai Sports City
Admission: Free
Online: The match will be broadcast live on Dubai Exiles’ Facebook page
UAE squad: Lucas Waddington (Dubai Exiles), Gio Fourie (Exiles), Craig Nutt (Abu Dhabi Harlequins), Phil Brady (Harlequins), Daniel Perry (Dubai Hurricanes), Esekaia Dranibota (Harlequins), Matt Mills (Exiles), Jaen Botes (Exiles), Kristian Stinson (Exiles), Murray Reason (Abu Dhabi Saracens), Dave Knight (Hurricanes), Ross Samson (Jebel Ali Dragons), DuRandt Gerber (Exiles), Saki Naisau (Dragons), Andrew Powell (Hurricanes), Emosi Vacanau (Harlequins), Niko Volavola (Dragons), Matt Richards (Dragons), Luke Stevenson (Harlequins), Josh Ives (Dubai Sports City Eagles), Sean Stevens (Saracens), Thinus Steyn (Exiles)
What is an FTO Designation?
FTO designations impose immigration restrictions on members of the organisation simply by virtue of their membership and triggers a criminal prohibition on knowingly providing material support or resources to the designated organisation as well as asset freezes.
It is a crime for a person in the United States or subject to the jurisdiction of the United States to knowingly provide “material support or resources” to or receive military-type training from or on behalf of a designated FTO.
Representatives and members of a designated FTO, if they are aliens, are inadmissible to and, in certain circumstances removable from, the United States.
Except as authorised by the Secretary of the Treasury, any US financial institution that becomes aware that it has possession of or control over funds in which an FTO or its agent has an interest must retain possession of or control over the funds and report the funds to the Treasury Department.
Source: US Department of State
About Housecall
Date started: July 2020
Founders: Omar and Humaid Alzaabi
Based: Abu Dhabi
Sector: HealthTech
# of staff: 10
Funding to date: Self-funded
MATCH INFO
Uefa Champions League final:
Who: Real Madrid v Liverpool
Where: NSC Olimpiyskiy Stadium, Kiev, Ukraine
When: Saturday, May 26, 10.45pm (UAE)
TV: Match on BeIN Sports
LOS ANGELES GALAXY 2 MANCHESTER UNITED 5
Galaxy: Dos Santos (79', 88')
United: Rashford (2', 20'), Fellaini (26'), Mkhitaryan (67'), Martial (72')
Avatar: Fire and Ash
Director: James Cameron
Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana
Rating: 4.5/5
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Two-step truce
The UN-brokered ceasefire deal for Hodeidah will be implemented in two stages, with the first to be completed before the New Year begins, according to the Arab Coalition supporting the Yemeni government.
By midnight on December 31, the Houthi rebels will have to withdraw from the ports of Hodeidah, Ras Issa and Al Saqef, coalition officials told The National.
The second stage will be the complete withdrawal of all pro-government forces and rebels from Hodeidah city, to be completed by midnight on January 7.
The process is to be overseen by a Redeployment Co-ordination Committee (RCC) comprising UN monitors and representatives of the government and the rebels.
The agreement also calls the deployment of UN-supervised neutral forces in the city and the establishment of humanitarian corridors to ensure distribution of aid across the country.
Water waste
In the UAE’s arid climate, small shrubs, bushes and flower beds usually require about six litres of water per square metre, daily. That increases to 12 litres per square metre a day for small trees, and 300 litres for palm trees.
Horticulturists suggest the best time for watering is before 8am or after 6pm, when water won't be dried up by the sun.
A global report published by the Water Resources Institute in August, ranked the UAE 10th out of 164 nations where water supplies are most stretched.
The Emirates is the world’s third largest per capita water consumer after the US and Canada.
Know before you go
- Jebel Akhdar is a two-hour drive from Muscat airport or a six-hour drive from Dubai. It’s impossible to visit by car unless you have a 4x4. Phone ahead to the hotel to arrange a transfer.
- If you’re driving, make sure your insurance covers Oman.
- By air: Budget airlines Air Arabia, Flydubai and SalamAir offer direct routes to Muscat from the UAE.
- Tourists from the Emirates (UAE nationals not included) must apply for an Omani visa online before arrival at evisa.rop.gov.om. The process typically takes several days.
- Flash floods are probable due to the terrain and a lack of drainage. Always check the weather before venturing into any canyons or other remote areas and identify a plan of escape that includes high ground, shelter and parking where your car won’t be overtaken by sudden downpours.
Multitasking pays off for money goals
Tackling money goals one at a time cost financial literacy expert Barbara O'Neill at least $1 million.
That's how much Ms O'Neill, a distinguished professor at Rutgers University in the US, figures she lost by starting saving for retirement only after she had created an emergency fund, bought a car with cash and purchased a home.
"I tell students that eventually, 30 years later, I hit the million-dollar mark, but I could've had $2 million," Ms O'Neill says.
Too often, financial experts say, people want to attack their money goals one at a time: "As soon as I pay off my credit card debt, then I'll start saving for a home," or, "As soon as I pay off my student loan debt, then I'll start saving for retirement"."
People do not realise how costly the words "as soon as" can be. Paying off debt is a worthy goal, but it should not come at the expense of other goals, particularly saving for retirement. The sooner money is contributed, the longer it can benefit from compounded returns. Compounded returns are when your investment gains earn their own gains, which can dramatically increase your balances over time.
"By putting off saving for the future, you are really inhibiting yourself from benefiting from that wonderful magic," says Kimberly Zimmerman Rand , an accredited financial counsellor and principal at Dragonfly Financial Solutions in Boston. "If you can start saving today ... you are going to have a lot more five years from now than if you decide to pay off debt for three years and start saving in year four."
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.”
The%20Woman%20King%20
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Juliot Vinolia’s checklist for adopting alternate-day fasting
- Don’t do it more than once in three days
- Don’t go under 700 calories on fasting days
- Ensure there is sufficient water intake, as the body can go in dehydration mode
- Ensure there is enough roughage (fibre) in the food on fasting days as well
- Do not binge on processed or fatty foods on non-fasting days
- Complement fasting with plant-based foods, fruits, vegetables, seafood. Cut out processed meats and processed carbohydrates
- Manage your sleep
- People with existing gastric or mental health issues should avoid fasting
- Do not fast for prolonged periods without supervision by a qualified expert
The specs
Price, base / as tested Dh12 million
Engine 8.0-litre quad-turbo, W16
Gearbox seven-speed dual clutch auto
Power 1479 @ 6,700rpm
Torque 1600Nm @ 2,000rpm 0-100kph: 2.6 seconds 0-200kph: 6.1 seconds
Top speed 420 kph (governed)
Fuel economy, combined 35.2L / 100km (est)
Desert Warrior
Starring: Anthony Mackie, Aiysha Hart, Ben Kingsley
Director: Rupert Wyatt
Rating: 3/5
THE BIO: Martin Van Almsick
Hometown: Cologne, Germany
Family: Wife Hanan Ahmed and their three children, Marrah (23), Tibijan (19), Amon (13)
Favourite dessert: Umm Ali with dark camel milk chocolate flakes
Favourite hobby: Football
Breakfast routine: a tall glass of camel milk
Jawan
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Dubai World Cup Carnival card:
6.30pm: Handicap (Turf) | US$175,000 | 2,410 metres
7.05pm: UAE 1000 Guineas Trial Conditions (Dirt) | $100,000 | 1,400m
7.40pm: Handicap (T) | $145,000 | 1,000m
8.15pm: Dubawi Stakes Group 3 (D) | $200,000 | 1,200m
8.50pm: Singspiel Stakes Group 3 (T) | $200,000 | 1,800m
9.25pm: Handicap (T) | $175,000 | 1,400m
LILO & STITCH
Starring: Sydney Elizebeth Agudong, Maia Kealoha, Chris Sanders
Director: Dean Fleischer Camp
Rating: 4.5/5
WHAT%20ARE%20THE%20PRODUCTS%20WITHIN%20THE%20THREE%20MAJOR%20CATEGORIES%3F
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All or Nothing
Amazon Prime
Four stars
The%20specs%20
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The Orwell Prize for Political Writing
Twelve books were longlisted for The Orwell Prize for Political Writing. The non-fiction works cover various themes from education, gender bias, and the environment to surveillance and political power. Some of the books that made it to the non-fiction longlist include:
- Appeasing Hitler: Chamberlain, Churchill and the Road to War by Tim Bouverie
- Some Kids I Taught and What They Taught Me by Kate Clanchy
- Invisible Women: Exposing Data Bias in a World Designed for Men by Caroline Criado Perez
- Follow Me, Akhi: The Online World of British Muslims by Hussein Kesvani
- Guest House for Young Widows: Among the Women of ISIS by Azadeh Moaveni
Quick facts on cancer
- Cancer is the second-leading cause of death worldwide, after cardiovascular diseases
- About one in five men and one in six women will develop cancer in their lifetime
- By 2040, global cancer cases are on track to reach 30 million
- 70 per cent of cancer deaths occur in low and middle-income countries
- This rate is expected to increase to 75 per cent by 2030
- At least one third of common cancers are preventable
- Genetic mutations play a role in 5 per cent to 10 per cent of cancers
- Up to 3.7 million lives could be saved annually by implementing the right health
strategies
- The total annual economic cost of cancer is $1.16 trillion
How to register as a donor
1) Organ donors can register on the Hayat app, run by the Ministry of Health and Prevention
2) There are about 11,000 patients in the country in need of organ transplants
3) People must be over 21. Emiratis and residents can register.
4) The campaign uses the hashtag #donate_hope
SPECS
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FIXTURES (all times UAE)
Sunday
Brescia v Lazio (3.30pm)
SPAL v Verona (6pm)
Genoa v Sassuolo (9pm)
AS Roma v Torino (11.45pm)
Monday
Bologna v Fiorentina (3.30pm)
AC Milan v Sampdoria (6pm)
Juventus v Cagliari (6pm)
Atalanta v Parma (6pm)
Lecce v Udinese (9pm)
Napoli v Inter Milan (11.45pm)