A new home under construction, front, on the outskirts of St Andrews, one of the hardest hit towns in the bushfires that raged through the southern Australian state of Victoria earlier this year.  Sue Aldred, above, 53, is one town resident who has decided to rebuild rather than move away.
A new home under construction, front, on the outskirts of St Andrews, one of the hardest hit towns in the bushfires that raged through the southern Australian state of Victoria earlier this year. SueShow more

Residents rebuild after Victoria fires



St Andrews, Australia // There is little left of Toni-Anne Collins's property in this fire-prone part of south-eastern Australia. Twisted iron rods and a wide plot of hardened ash mark where her home once stood, consumed by flames, like thousands of others, during the February 7, or Black Saturday, fires.

"No one told us," Mrs Collins, 50, said, as she stood on the site of her former home. "Suddenly, everything went quiet and burning things fell from the sky." Mrs Collins and her elder daughter Jess barely had time to jump into their car before the fire engulfed their property and the neighbouring street. When the fires were finally extinguished, 173 people were dead and more than 2,000 homes destroyed.

Now, seven months on, Mrs Collins is one of hundreds who have decided to stay in Victoria's central highlands and rebuild, despite warnings that this season could see fires equally as fierce. "I feel compelled to rebuild. I'd be beaten if I just walked away," she said. Across St Andrews and Kinglake, two of the hardest hit towns, solitary caravans and tents sit on or beside the ashes of former properties as survivors wait for planning approval or just the funds to be able to rebuild again.

For others, the pain of losing homes and, in some cases, family to the fire has proven too much as the many white "For sale" and "Sold" signs show. Only a couple of minutes' drive from Mrs Collins' home, the line where the fires stopped cuts a clear marker on the border of St Andrews town. The "Black Belt", as it is known to locals, shows just how close the main town came to destruction. The fire was like nothing the easy-going residents of Victoria's hinterlands had seen before. Over a decade of drought had left the bush a tinderbox.

"We watched Kinglake burn around us," said Jaysherrie Harper, 35, a resident of Kinglake, who lost her family home. "It was the most terrifying thing I've ever been through. We left literally with the clothes on our back and lost everything else." On the small residential block where Mrs Harper and her husband, Michael, are building their new home, friends have pitched in to clear the charred stumps and felled tree branches. On either side of the Harpers' plot, neighbours have sold up and moved.

"It really is a such a pity that [our neighbours] are moving on but I don't think for them it was the same place anymore," said Mr Harper, wiping ash and sweat from his forehead as he cleared stumps and branches. The Harpers, along with their two children, are renting a shed 15 minutes' drive from the property and hope building will get under way later this month. The children, whose previous school burnt to the ground, also lost a number of classmates.

"We've been here 10 years and for us there was really no choice of moving away," said Mrs Harper. "It's been a big part of the healing process, being around everyone here." Rebuilding, however, is not a simple process. While the Australian government has provided a Bushfire Relief Grant for those affected, a great many fire victims were either underinsured or not insured at all, making the prospect of building a new home unattainable or very difficult.

On top of this, the newly imposed Bushfire Attack Level policy grades homes on fire danger and legally binds owners to build from non-combustible materials, raising the cost of construction significantly. According to some estimates, those building in areas where the fire risk is extreme would be paying on average 20,000 Australian dollars (Dh61,000) more to build their home. In the community itself, the fire has left its mark. Local authorities have said anecdotal evidence shows alcoholism, divorce and domestic abuse are all on the rise. Unemployment is also a growing problem.

But there are signs that the fire has strengthened the community, or at least those who have decided to stay. Ringed by blackened forest, the resurfaced Kinglake "Aussie Rules" football club sports a new slogan - "We can't be beaten". Down the valley in the town of St Andrews, the Black Belt Ladies Club meets for tea each month, providing practical as well as emotional support to each other. "Some have lost husbands and sons to the fire," said Mrs Collins. "The meetings are just an informal way of dealing with our own individual stories."

With a new fire season beginning in only a matter of weeks, residents are being urged to prepare. Already fires are raging to the north, with multiple blazes threatening houses south of Sydney this week. Gutters are being cleared and foliage cut down, while career and volunteer firefighters do drills in preparation. There is also an ongoing argument about whether to cull native trees close to homes and replant European deciduous trees, which are less susceptible to bushfires.

"I'd say this is the kind of fire we may face in the future: ferocious and unpredictable," said Helen Kenney, captain of the local Country Fire Authority (CFA) and a 25-year resident of St Andrews. "The CFA issued warnings about fire way back from last November but I think people just became complacent. People have complained that they didn't get a knock on the door that day but we've told them for years not to expect a warning."

But a commission set up by the government to investigate the fire said authorities were unprepared for it and that a communication breakdown on the day meant regular updates on fire locations did not reach residents or authorities in time. An interim report released by the commission in mid-August, which the government has subsequently agreed to follow, has suggested use of a blitz-style siren, coupled with information, to sound over television and radio at the approach of a fire. It has also recommended the identification and use of neighbourhood 'safe places', where communities can shelter in the event of extreme bushfires.

Another major role of the commission has been developing clear outlines on the "stay or go" policy. The policy deals with whether residents should pack and leave or stay and fight the fire from their property. For those who do stay, the question is how to make them better prepared. "It would be naive to say that there'll never be a fire here again," said Mrs Harper. "All we just hope is that it won't measure up to the one we saw that day."

* The National

WORLD CUP FINAL

England v South Africa

Yokohama International Stadium, Tokyo

Saturday, kick-off 1pm (UAE)

BUNDESLIGA FIXTURES

Saturday, May 16 (kick-offs UAE time)

Borussia Dortmund v Schalke (4.30pm) 
RB Leipzig v Freiburg (4.30pm) 
Hoffenheim v Hertha Berlin (4.30pm) 
Fortuna Dusseldorf v Paderborn  (4.30pm) 
Augsburg v Wolfsburg (4.30pm) 
Eintracht Frankfurt v Borussia Monchengladbach (7.30pm)

Sunday, May 17

Cologne v Mainz (4.30pm),
Union Berlin v Bayern Munich (7pm)

Monday, May 18

Werder Bremen v Bayer Leverkusen (9.30pm)

Sri Lanka World Cup squad

Dimuth Karunaratne (c), Lasith Malinga, Angelo Mathews, Thisara Perera, Kusal Perera, Dhananjaya de Silva, Kusal Mendis, Isuru Udana, Milinda Siriwardana, Avishka Fernando, Jeevan Mendis, Lahiru Thirimanne, Jeffrey Vandersay, Nuwan Pradeep, Suranga Lakmal.

Skewed figures

In the village of Mevagissey in southwest England the housing stock has doubled in the last century while the number of residents is half the historic high. The village's Neighbourhood Development Plan states that 26% of homes are holiday retreats. Prices are high, averaging around £300,000, £50,000 more than the Cornish average of £250,000. The local average wage is £15,458. 

Countries offering golden visas

UK
Innovator Founder Visa is aimed at those who can demonstrate relevant experience in business and sufficient investment funds to set up and scale up a new business in the UK. It offers permanent residence after three years.

Germany
Investing or establishing a business in Germany offers you a residence permit, which eventually leads to citizenship. The investment must meet an economic need and you have to have lived in Germany for five years to become a citizen.

Italy
The scheme is designed for foreign investors committed to making a significant contribution to the economy. Requires a minimum investment of €250,000 which can rise to €2 million.

Switzerland
Residence Programme offers residence to applicants and their families through economic contributions. The applicant must agree to pay an annual lump sum in tax.

Canada
Start-Up Visa Programme allows foreign entrepreneurs the opportunity to create a business in Canada and apply for permanent residence. 

The specs

Engine: 3.0-litre 6-cyl turbo

Power: 435hp at 5,900rpm

Torque: 520Nm at 1,800-5,500rpm

Transmission: 9-speed auto

Price: from Dh498,542

On sale: now

Kandahar%20
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Company profile

Company: Verity

Date started: May 2021

Founders: Kamal Al-Samarrai, Dina Shoman and Omar Al Sharif

Based: Dubai

Sector: FinTech

Size: four team members

Stage: Intially bootstrapped but recently closed its first pre-seed round of $800,000

Investors: Wamda, VentureSouq, Beyond Capital and regional angel investors

Lexus LX700h specs

Engine: 3.4-litre twin-turbo V6 plus supplementary electric motor

Power: 464hp at 5,200rpm

Torque: 790Nm from 2,000-3,600rpm

Transmission: 10-speed auto

Fuel consumption: 11.7L/100km

On sale: Now

Price: From Dh590,000

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.”

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
Three ways to boost your credit score

Marwan Lutfi says the core fundamentals that drive better payment behaviour and can improve your credit score are:

1. Make sure you make your payments on time;

2. Limit the number of products you borrow on: the more loans and credit cards you have, the more it will affect your credit score;

3. Don't max out all your debts: how much you maximise those credit facilities will have an impact. If you have five credit cards and utilise 90 per cent of that credit, it will negatively affect your score.

COMPANY PROFILE
Name: Kumulus Water
 
Started: 2021
 
Founders: Iheb Triki and Mohamed Ali Abid
 
Based: Tunisia 
 
Sector: Water technology 
 
Number of staff: 22 
 
Investment raised: $4 million 
Three tips from La Perle's performers

1 The kind of water athletes drink is important. Gwilym Hooson, a 28-year-old British performer who is currently recovering from knee surgery, found that out when the company was still in Studio City, training for 12 hours a day. “The physio team was like: ‘Why is everyone getting cramps?’ And then they realised we had to add salt and sugar to the water,” he says.

2 A little chocolate is a good thing. “It’s emergency energy,” says Craig Paul Smith, La Perle’s head coach and former Cirque du Soleil performer, gesturing to an almost-empty open box of mini chocolate bars on his desk backstage.

3 Take chances, says Young, who has worked all over the world, including most recently at Dragone’s show in China. “Every time we go out of our comfort zone, we learn a lot about ourselves,” she says.

The 12 Syrian entities delisted by UK 

Ministry of Interior
Ministry of Defence
General Intelligence Directorate
Air Force Intelligence Agency
Political Security Directorate
Syrian National Security Bureau
Military Intelligence Directorate
Army Supply Bureau
General Organisation of Radio and TV
Al Watan newspaper
Cham Press TV
Sama TV

In-demand jobs and monthly salaries
  • Technology expert in robotics and automation: Dh20,000 to Dh40,000 
  • Energy engineer: Dh25,000 to Dh30,000 
  • Production engineer: Dh30,000 to Dh40,000 
  • Data-driven supply chain management professional: Dh30,000 to Dh50,000 
  • HR leader: Dh40,000 to Dh60,000 
  • Engineering leader: Dh30,000 to Dh55,000 
  • Project manager: Dh55,000 to Dh65,000 
  • Senior reservoir engineer: Dh40,000 to Dh55,000 
  • Senior drilling engineer: Dh38,000 to Dh46,000 
  • Senior process engineer: Dh28,000 to Dh38,000 
  • Senior maintenance engineer: Dh22,000 to Dh34,000 
  • Field engineer: Dh6,500 to Dh7,500
  • Field supervisor: Dh9,000 to Dh12,000
  • Field operator: Dh5,000 to Dh7,000
Specs
Engine: Electric motor generating 54.2kWh (Cooper SE and Aceman SE), 64.6kW (Countryman All4 SE)
Power: 218hp (Cooper and Aceman), 313hp (Countryman)
Torque: 330Nm (Cooper and Aceman), 494Nm (Countryman)
On sale: Now
Price: From Dh158,000 (Cooper), Dh168,000 (Aceman), Dh190,000 (Countryman)
RESULTS

5pm: Wathba Stallions Cup – Maiden (PA) Dh70,000 (Dirt) 1,400m
Winner: Yas Xmnsor, Sean Kirrane (jockey), Khalifa Al Neyadi (trainer)

5.30pm: Falaj Hazza – Handicap (PA) Dh70,000 (D) 1,600m
Winner: Arim W’Rsan, Dane O’Neill, Jaci Wickham

6pm: Al Basrah – Maiden (PA) Dh70,000 (D) 1,800m
Winner: Kalifano De Ghazal, Abdul Aziz Al Balushi, Helal Al Alawi

6.30pm: Oud Al Touba – Handicap (PA) Dh70,000 (D) 1,800m
Winner: Pharitz Oubai, Sean Kirrane, Ibrahim Al Hadhrami

7pm: Sieh bin Amaar – Conditions (PA) Dh80,000 (D) 1,800m
Winner: Oxord, Richard Mullen, Abdalla Al Hammadi

7.30pm: Jebel Hafeet – Conditions (PA) Dh85,000 (D) 2,000m
Winner: AF Ramz, Sean Kirrane, Khalifa Al Neyadi

8pm: Al Saad – Handicap (TB) Dh70,000 (D) 2,000m
Winner: Sea Skimmer, Gabriele Malune, Kareem Ramadan

MATCH INFO

Rugby World Cup (all times UAE)

Final: England v South Africa, Saturday, 1pm

Walls

Louis Tomlinson

3 out of 5 stars

(Syco Music/Arista Records)

The Settlers

Director: Louis Theroux

Starring: Daniella Weiss, Ari Abramowitz

Rating: 5/5

What is Reform?

Reform is a right-wing, populist party led by Nigel Farage, a former MEP who won a seat in the House of Commons last year at his eighth attempt and a prominent figure in the campaign for the UK to leave the European Union.

It was founded in 2018 and originally called the Brexit Party.

Many of its members previously belonged to UKIP or the mainstream Conservatives.

After Brexit took place, the party focused on the reformation of British democracy.

Former Tory deputy chairman Lee Anderson became its first MP after defecting in March 2024.

The party gained support from Elon Musk, and had hoped the tech billionaire would make a £100m donation. However, Mr Musk changed his mind and called for Mr Farage to step down as leader in a row involving the US tycoon's support for far-right figurehead Tommy Robinson who is in prison for contempt of court.

Veil (Object Lessons)
Rafia Zakaria
​​​​​​​Bloomsbury Academic