Director of National Intelligence Avril Haines speaks with DIA Director Lt Gen Scott Berrier during a Senate Armed Services hearing to examine worldwide threats. AP
Director of National Intelligence Avril Haines speaks with DIA Director Lt Gen Scott Berrier during a Senate Armed Services hearing to examine worldwide threats. AP
Director of National Intelligence Avril Haines speaks with DIA Director Lt Gen Scott Berrier during a Senate Armed Services hearing to examine worldwide threats. AP
Director of National Intelligence Avril Haines speaks with DIA Director Lt Gen Scott Berrier during a Senate Armed Services hearing to examine worldwide threats. AP

US intelligence chiefs questioned on Afghanistan and Ukraine


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Top US intelligence officials were questioned on Tuesday about why they misjudged the durability of governments in both Afghanistan and Ukraine, and whether they need to reform how intelligence agencies assess a foreign military’s will to fight.

US intelligence had said the Washington-backed Kabul government would hold out for months against the Taliban and thought Russian forces would overrun Ukraine in a few weeks. Both assessments were wrong.

The US and western allies are now rushing to aid Ukraine’s resistance against Russia in what has turned into a grinding, violent stalemate.

“What we missed was the will to fight of the Ukrainians … and we also missed that in Afghanistan,” said Angus King, a senator from Maine, at a hearing of the Senate Armed Services Committee.

He added: “I realise will to fight is a lot harder to assess than number of tanks or volume of ammunition or something. But I hope the intelligence community is doing some soul-searching about how to better get a handle on that question.”

  • Family members mourn at the graveside of soldier Yuri Varyanytsia during the burial of three soldiers in the Field of Mars at Lychakiv cemetery in Lviv, Ukraine. Getty Images
    Family members mourn at the graveside of soldier Yuri Varyanytsia during the burial of three soldiers in the Field of Mars at Lychakiv cemetery in Lviv, Ukraine. Getty Images
  • A pedestrian takes a picture as she walks past the wreckage of a Russian armoured vehicle outside the National Museum of Military History of Ukraine in Kyiv. AFP
    A pedestrian takes a picture as she walks past the wreckage of a Russian armoured vehicle outside the National Museum of Military History of Ukraine in Kyiv. AFP
  • A man rides his bicycle over a heavily damaged bridge near Pechenegi village in the Kharkiv region, amid the Russian invasion of Ukraine. AFP
    A man rides his bicycle over a heavily damaged bridge near Pechenegi village in the Kharkiv region, amid the Russian invasion of Ukraine. AFP
  • Pro-Russian troops fire from a tank near the Azovstal steel plant in Mariupol. Reuters
    Pro-Russian troops fire from a tank near the Azovstal steel plant in Mariupol. Reuters
  • Workers sew uniforms and material for flack jackets at a military clothing factory in Kryvyi Rih, Ukraine. Getty Images
    Workers sew uniforms and material for flack jackets at a military clothing factory in Kryvyi Rih, Ukraine. Getty Images
  • A dog provides company at a flat damaged by a missile attack in Kramatorsk, eastern Ukraine. AFP
    A dog provides company at a flat damaged by a missile attack in Kramatorsk, eastern Ukraine. AFP
  • Patron, a dog trained by Ukrainian forces to sniff out explosives, near Kyiv. EPA
    Patron, a dog trained by Ukrainian forces to sniff out explosives, near Kyiv. EPA
  • Lone skater Roman Kovalenko, 18, amid the damage at Peace Square in Kramatorsk, eastern Ukraine. All of his friends have fled. AFP
    Lone skater Roman Kovalenko, 18, amid the damage at Peace Square in Kramatorsk, eastern Ukraine. All of his friends have fled. AFP
  • A Ukrainian sapper carries unexploded materiel during demining works at an airport in the town of Hostomel, north-west of Kyiv. AFP
    A Ukrainian sapper carries unexploded materiel during demining works at an airport in the town of Hostomel, north-west of Kyiv. AFP
  • Shelling of the Azovstal steel plant complex in Mariupol. Reuters
    Shelling of the Azovstal steel plant complex in Mariupol. Reuters
  • Violinist Irene Duval rehearses before a fundraiser to support Ukrainians arriving in the UK, at the Ukrainian Catholic Cathedral in London. PA
    Violinist Irene Duval rehearses before a fundraiser to support Ukrainians arriving in the UK, at the Ukrainian Catholic Cathedral in London. PA
  • A serviceman stands guard at the destroyed Ukrainian Antonov An-225 'Mriya' cargo aircraft in Hostomel. AFP
    A serviceman stands guard at the destroyed Ukrainian Antonov An-225 'Mriya' cargo aircraft in Hostomel. AFP
  • Galina Malets falls to her knees before the funeral service for her brother, fallen soldier Igor Malets, 59, in Lviv. Getty
    Galina Malets falls to her knees before the funeral service for her brother, fallen soldier Igor Malets, 59, in Lviv. Getty
  • Explosions at the Azovstal steel plant in besieged Mariupol, where Ukrainian forces continue to hold out against Russian invaders. AFP
    Explosions at the Azovstal steel plant in besieged Mariupol, where Ukrainian forces continue to hold out against Russian invaders. AFP
  • A Ukrainian woman collects her belongings after her apartment was damaged by a missile explosion in Kramatorsk, eastern Ukraine. AFP
    A Ukrainian woman collects her belongings after her apartment was damaged by a missile explosion in Kramatorsk, eastern Ukraine. AFP
  • An apartment block damaged by a missile explosion in Kramatorsk, eastern Ukraine. AFP
    An apartment block damaged by a missile explosion in Kramatorsk, eastern Ukraine. AFP
  • Devastation around an apartment block hit by a missile in Kramatorsk, eastern Ukraine. AFP
    Devastation around an apartment block hit by a missile in Kramatorsk, eastern Ukraine. AFP
  • Ukrainian men at the site of a missile explosion in Kramatorsk, eastern Ukraine. AFP
    Ukrainian men at the site of a missile explosion in Kramatorsk, eastern Ukraine. AFP
  • An elderly refugee from Avdiivka, eastern Ukraine, at a lunch provided by church group Awakening in Pokrovsk. AFP
    An elderly refugee from Avdiivka, eastern Ukraine, at a lunch provided by church group Awakening in Pokrovsk. AFP
  • Natalia Rudneva, 59, was injured in overnight shelling in Kramatorsk, Ukraine, that put her son in hospital. AP
    Natalia Rudneva, 59, was injured in overnight shelling in Kramatorsk, Ukraine, that put her son in hospital. AP
  • Shocked occupants of an apartment building in Kramatorsk, Donbas, that was destroyed by overnight shelling . AP
    Shocked occupants of an apartment building in Kramatorsk, Donbas, that was destroyed by overnight shelling . AP
  • A man outside his house in Mariupol, in territory under the government of the so-called Donetsk People's Republic, eastern Ukraine. The sign reads 'Bomb shelter, children'. AP
    A man outside his house in Mariupol, in territory under the government of the so-called Donetsk People's Republic, eastern Ukraine. The sign reads 'Bomb shelter, children'. AP
  • A woman passes Donetsk People's Republic militia tanks in Mariupol, eastern Ukraine. AP
    A woman passes Donetsk People's Republic militia tanks in Mariupol, eastern Ukraine. AP
  • A refugee camp outside Mariupol, in territory controlled by the government of the so-called Donetsk People's Republic. AP
    A refugee camp outside Mariupol, in territory controlled by the government of the so-called Donetsk People's Republic. AP
  • The damaged St Godmothers Cover Church next to a bullet-riddled Ukrainian flag in Malyn, Ukraine. Getty Images
    The damaged St Godmothers Cover Church next to a bullet-riddled Ukrainian flag in Malyn, Ukraine. Getty Images
  • St Godmothers Cover Church, in Malyn, Ukraine. Getty Images
    St Godmothers Cover Church, in Malyn, Ukraine. Getty Images
  • The ruins of an apartment building in Borodianka, Ukraine. Getty Images
    The ruins of an apartment building in Borodianka, Ukraine. Getty Images
  • Firefighters from the self-declared Donetsk People Republic Emergency Situations Ministry battle a blaze at an oil depot after missiles struck the facility in an area controlled by Russian-backed separatist forces in Makiivka, 15 kilometres east of Donetsk, eastern Ukraine. AP
    Firefighters from the self-declared Donetsk People Republic Emergency Situations Ministry battle a blaze at an oil depot after missiles struck the facility in an area controlled by Russian-backed separatist forces in Makiivka, 15 kilometres east of Donetsk, eastern Ukraine. AP
  • People wait for Ukrainian President Volodymyr Zelenskyy to begin a speech televised on a screen in City Hall Square in Copenhagen, Denmark. Reuters
    People wait for Ukrainian President Volodymyr Zelenskyy to begin a speech televised on a screen in City Hall Square in Copenhagen, Denmark. Reuters
  • An aerial view of the destroyed Hotel Ukraine in the northern city of Chernigiv. AFP
    An aerial view of the destroyed Hotel Ukraine in the northern city of Chernigiv. AFP
  • A woman who recently lost her husband arrives with her dog at a charity centre in Pokrovsk, eastern Ukraine. AFP
    A woman who recently lost her husband arrives with her dog at a charity centre in Pokrovsk, eastern Ukraine. AFP
  • A family of Ukrainian evacuees near a donation collection point in Zaporizhzhia, Ukraine. Reuters
    A family of Ukrainian evacuees near a donation collection point in Zaporizhzhia, Ukraine. Reuters
  • The ruins of a residential building in the northern Ukrainian city of Chernigiv, which was heavily damaged during the Russian invasion. AFP
    The ruins of a residential building in the northern Ukrainian city of Chernigiv, which was heavily damaged during the Russian invasion. AFP
  • People pay their respects during the funeral for Ukrainian serviceman Ruslan Borovyk in St Michael's Cathedral in Kyiv. AP
    People pay their respects during the funeral for Ukrainian serviceman Ruslan Borovyk in St Michael's Cathedral in Kyiv. AP
  • Crew chiefs and engineers with the 158th Fighter Wing meet before launching F-35A Lightning II fifth-generation aircraft at the Vermont Air National Guard Base, South Burlington, US. More than 200 Vermont air guard personnel, plus equipment and eight F-35s, are now in Europe. AP
    Crew chiefs and engineers with the 158th Fighter Wing meet before launching F-35A Lightning II fifth-generation aircraft at the Vermont Air National Guard Base, South Burlington, US. More than 200 Vermont air guard personnel, plus equipment and eight F-35s, are now in Europe. AP
  • Svitlana, 36, holds her sons Artem, 7, and Kyrylo, 5, while sheltering in a kindergarten in Kryvyi Rih, Ukraine. Getty Images
    Svitlana, 36, holds her sons Artem, 7, and Kyrylo, 5, while sheltering in a kindergarten in Kryvyi Rih, Ukraine. Getty Images
  • Men report to enlist in Ukrainian Territorial Defence Force units in Kryvyi Rih, Ukraine. Getty Images
    Men report to enlist in Ukrainian Territorial Defence Force units in Kryvyi Rih, Ukraine. Getty Images
  • A burning oil storage unit on the outskirts of Donetsk, Ukraine. Reuters
    A burning oil storage unit on the outskirts of Donetsk, Ukraine. Reuters
  • Russian MiG-29SMT jet fighters, forming the symbol Z in support of Russian military action in Ukraine, fly over Red Square in Moscow during a rehearsal for the Second World War Victory Parade on May 9, 2022. AFP
    Russian MiG-29SMT jet fighters, forming the symbol Z in support of Russian military action in Ukraine, fly over Red Square in Moscow during a rehearsal for the Second World War Victory Parade on May 9, 2022. AFP
  • A warehouse after shelling in Severodonetsk, as fighting rages across Ukraine's east after a US warning that Moscow is preparing to formally annex eastern regions. AFP
    A warehouse after shelling in Severodonetsk, as fighting rages across Ukraine's east after a US warning that Moscow is preparing to formally annex eastern regions. AFP
  • Katya, 11, waits for her mother's treatment to end at the Severodonetsk Hospital in Severodonetsk. AFP
    Katya, 11, waits for her mother's treatment to end at the Severodonetsk Hospital in Severodonetsk. AFP
  • Antonina, 60, at a funeral home where she works and now lives with neighbours in Severodonetsk. AFP
    Antonina, 60, at a funeral home where she works and now lives with neighbours in Severodonetsk. AFP
  • A Russian serviceman patrols a street near the sea port of Berdyansk, Ukraine. AFP
    A Russian serviceman patrols a street near the sea port of Berdyansk, Ukraine. AFP
  • A woman during the rally in front of Ukraine President Volodymyr Zelenskyy's office in Kyiv. AFP
    A woman during the rally in front of Ukraine President Volodymyr Zelenskyy's office in Kyiv. AFP
  • Svitlana Karpenko, 53, at what is left of her house in Sloboda, Chernihiv region, Ukraine. She said it was destroyed by shelling. Reuters
    Svitlana Karpenko, 53, at what is left of her house in Sloboda, Chernihiv region, Ukraine. She said it was destroyed by shelling. Reuters
  • The turret from a destroyed Russian tank stuck in the ground in Zalissia, Kyiv region, Ukraine. Reuters
    The turret from a destroyed Russian tank stuck in the ground in Zalissia, Kyiv region, Ukraine. Reuters
  • Lyubov Lenko, 61, in front of her house in Budy, Chernihiv region, Ukraine, that she says was destroyed by shelling. Reuters
    Lyubov Lenko, 61, in front of her house in Budy, Chernihiv region, Ukraine, that she says was destroyed by shelling. Reuters
  • Nina Stefuryak, 2, playing in a park in front of a building destroyed by shelling in Borodianka, Kyiv region, Ukraine. Reuters
    Nina Stefuryak, 2, playing in a park in front of a building destroyed by shelling in Borodianka, Kyiv region, Ukraine. Reuters
  • Mealtime at a centre for displaced people in Zaporizhzhia. AP
    Mealtime at a centre for displaced people in Zaporizhzhia. AP
  • Volunteers assist a man after his arrival from Mariupol at a centre for displaced people in Zaporizhzhia. AP
    Volunteers assist a man after his arrival from Mariupol at a centre for displaced people in Zaporizhzhia. AP
  • People disembark a van to be registered by police after arriving in Zaporizhzhia. Getty Images
    People disembark a van to be registered by police after arriving in Zaporizhzhia. Getty Images
  • Firefighters damp down the ashes of a fire that destroyed a children's play area in Gorky Park in Kharkiv, Ukraine. EPA
    Firefighters damp down the ashes of a fire that destroyed a children's play area in Gorky Park in Kharkiv, Ukraine. EPA
  • A woman touches a piano as she inspects the damage in a classroom after shelling at Kharkiv National Kotlyarevsky University of Arts. EPA
    A woman touches a piano as she inspects the damage in a classroom after shelling at Kharkiv National Kotlyarevsky University of Arts. EPA
  • US President Joe Biden and Lockheed Martin chief executive Jim Taiclet with Javelin anti-tank missile assembly workers during a tour of a Lockheed Martin weapons factory in Troy, Alabama, US. Reuters
    US President Joe Biden and Lockheed Martin chief executive Jim Taiclet with Javelin anti-tank missile assembly workers during a tour of a Lockheed Martin weapons factory in Troy, Alabama, US. Reuters
  • Residents collect humanitarian aid in Borodyanka, Ukraine. Getty Images
    Residents collect humanitarian aid in Borodyanka, Ukraine. Getty Images

President Joe Biden’s administration had long voiced concerns that Russia would invade Ukraine — a public campaign that it says built support for crushing sanctions on the Russian economy and military support from Nato members.

Top US officials have gone to Kyiv to meet President Volodymyr Zelenskyy and pledged more military and intelligence support.

Avril Haines, the US director of national intelligence, said that “will to fight” and “capacity to fight” in tandem were difficult to predict but that the National Intelligence Council, a group of advisers that reviews the agencies as a whole, is studying the issue.

“The two of them are issues that are, as you indicated, quite challenging to provide effective analysis on,” Ms Haines told Mr King. “And we’re looking at different methodologies for doing so.”

The US might have done more before the invasion to assist Mr Zelenskyy had Congress believed Kyiv had more of a chance, Mr King said.

And after predictions that the Taliban would be held back as long as a year after the American withdrawal, the coalition-backed government “lasted minus-two weeks”, Mr King noted, a reference to the Taliban overrunning Kabul before the withdrawal formally ended.

The US was forced to negotiate with the Taliban to fly out thousands of American citizens and Afghan allies fighting huge crowds to secure space on evacuation flights. An attack at the Kabul airport killed 13 US troops and at least 170 Afghan civilians.

Mr King raised his voice to cut off Lt Gen Scott Berrier, head of the Defence Intelligence Agency, after Lt Gen Berrier said he believed the intelligence agencies had done “a great job”.

“General, how can you possibly say that when we were told explicitly, Kyiv would fall in three days and Ukraine would fall in two weeks?” he said. “You’re telling me that was accurate intelligence?

US intelligence had believed before the war Russia’s forces were so much larger and more powerful than Ukraine’s that “it wasn’t going to go very well for a variety of factors”, Lt Gen Berrier said.

He said on Tuesday that “there was never an intelligence community assessment that said the Ukrainians lacked the will to fight”.

That appears to contradict his statement from Senate testimony in March, when he said he “questioned their will to fight. That was a bad assessment on my part because they have fought bravely and honourably and are doing the right thing”.

  • Taliban soldiers stand guard as women carry placards during a rally in Kabul, Afghanistan. All photos: EPA
    Taliban soldiers stand guard as women carry placards during a rally in Kabul, Afghanistan. All photos: EPA
  • Afghan women activists demand food, jobs and education for girls during a protest in Kabul.
    Afghan women activists demand food, jobs and education for girls during a protest in Kabul.
  • Afghan women demonstrate during a rally in Kabul, Afghanistan.
    Afghan women demonstrate during a rally in Kabul, Afghanistan.
  • The Taliban have banned women from work and girls from secondary schools. EPA
    The Taliban have banned women from work and girls from secondary schools. EPA
  • Women carry placards during a rally in Kabul.
    Women carry placards during a rally in Kabul.
  • Afghan women have intensified their anti-Taliban protests despite the group's harsh crackdown on demonstrations.
    Afghan women have intensified their anti-Taliban protests despite the group's harsh crackdown on demonstrations.
  • In the last three months of their rule, the Taliban have suppressed several women's protests in Kabul and other Afghan provinces.
    In the last three months of their rule, the Taliban have suppressed several women's protests in Kabul and other Afghan provinces.
  • The Taliban have used violence against protesters, including using pepper spray.
    The Taliban have used violence against protesters, including using pepper spray.
How to vote

Canadians living in the UAE can register to vote online and be added to the International Register of Electors.

They'll then be sent a special ballot voting kit by mail either to their address, the Consulate General of Canada to the UAE in Dubai or The Embassy of Canada in Abu Dhabi

Registered voters mark the ballot with their choice and must send it back by 6pm Eastern time on October 21 (2am next Friday) 

How to avoid crypto fraud
  • Use unique usernames and passwords while enabling multi-factor authentication.
  • Use an offline private key, a physical device that requires manual activation, whenever you access your wallet.
  • Avoid suspicious social media ads promoting fraudulent schemes.
  • Only invest in crypto projects that you fully understand.
  • Critically assess whether a project’s promises or returns seem too good to be true.
  • Only use reputable platforms that have a track record of strong regulatory compliance.
  • Store funds in hardware wallets as opposed to online exchanges.
Greatest of All Time
Starring: Vijay, Sneha, Prashanth, Prabhu Deva, Mohan
Director: Venkat Prabhu
Rating: 2/5
Ten tax points to be aware of in 2026

1. Domestic VAT refund amendments: request your refund within five years

If a business does not apply for the refund on time, they lose their credit.

2. E-invoicing in the UAE

Businesses should continue preparing for the implementation of e-invoicing in the UAE, with 2026 a preparation and transition period ahead of phased mandatory adoption. 

3. More tax audits

Tax authorities are increasingly using data already available across multiple filings to identify audit risks. 

4. More beneficial VAT and excise tax penalty regime

Tax disputes are expected to become more frequent and more structured, with clearer administrative objection and appeal processes. The UAE has adopted a new penalty regime for VAT and excise disputes, which now mirrors the penalty regime for corporate tax.

5. Greater emphasis on statutory audit

There is a greater need for the accuracy of financial statements. The International Financial Reporting Standards standards need to be strictly adhered to and, as a result, the quality of the audits will need to increase.

6. Further transfer pricing enforcement

Transfer pricing enforcement, which refers to the practice of establishing prices for internal transactions between related entities, is expected to broaden in scope. The UAE will shortly open the possibility to negotiate advance pricing agreements, or essentially rulings for transfer pricing purposes. 

7. Limited time periods for audits

Recent amendments also introduce a default five-year limitation period for tax audits and assessments, subject to specific statutory exceptions. While the standard audit and assessment period is five years, this may be extended to up to 15 years in cases involving fraud or tax evasion. 

8. Pillar 2 implementation 

Many multinational groups will begin to feel the practical effect of the Domestic Minimum Top-Up Tax (DMTT), the UAE's implementation of the OECD’s global minimum tax under Pillar 2. While the rules apply for financial years starting on or after January 1, 2025, it is 2026 that marks the transition to an operational phase.

9. Reduced compliance obligations for imported goods and services

Businesses that apply the reverse-charge mechanism for VAT purposes in the UAE may benefit from reduced compliance obligations. 

10. Substance and CbC reporting focus

Tax authorities are expected to continue strengthening the enforcement of economic substance and Country-by-Country (CbC) reporting frameworks. In the UAE, these regimes are increasingly being used as risk-assessment tools, providing tax authorities with a comprehensive view of multinational groups’ global footprints and enabling them to assess whether profits are aligned with real economic activity. 

Contributed by Thomas Vanhee and Hend Rashwan, Aurifer

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

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MO
%3Cp%3E%3Cstrong%3ECreators%3A%20%3C%2Fstrong%3EMohammed%20Amer%2C%20Ramy%20Youssef%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStars%3A%20%3C%2Fstrong%3EMohammed%20Amer%2C%20Teresa%20Ruiz%2C%20Omar%20Elba%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%204%2F5%3C%2Fp%3E%0A
The biog

Name: Dhabia Khalifa AlQubaisi

Age: 23

How she spends spare time: Playing with cats at the clinic and feeding them

Inspiration: My father. He’s a hard working man who has been through a lot to provide us with everything we need

Favourite book: Attitude, emotions and the psychology of cats by Dr Nicholes Dodman

Favourit film: 101 Dalmatians - it remind me of my childhood and began my love of dogs 

Word of advice: By being patient, good things will come and by staying positive you’ll have the will to continue to love what you're doing

SUCCESSION%20SEASON%204%20EPISODE%201
%3Cp%3E%3Cstrong%3ECreated%20by%3A%20%3C%2Fstrong%3EJesse%20Armstrong%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStars%3A%3C%2Fstrong%3E%20Brian%20Cox%2C%20Jeremy%20Strong%2C%20Kieran%20Culkin%2C%20Sarah%20Snook%2C%20Nicholas%20Braun%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%204%2F5%3C%2Fp%3E%0A
Copa del Rey

Semi-final, first leg

Barcelona 1 (Malcom 57')
Real Madrid (Vazquez 6')

Second leg, February 27

The specs
Engine: 77.4kW all-wheel-drive dual motor
Power: 320bhp
Torque: 605Nm
Transmission: Single-speed automatic
Price: From Dh219,000
On sale: Now
About Housecall

Date started: July 2020

Founders: Omar and Humaid Alzaabi

Based: Abu Dhabi

Sector: HealthTech

# of staff: 10

Funding to date: Self-funded

The biog

Name: Shamsa Hassan Safar

Nationality: Emirati

Education: Degree in emergency medical services at Higher Colleges of Technology

Favourite book: Between two hearts- Arabic novels

Favourite music: Mohammed Abdu and modern Arabic songs

Favourite way to spend time off: Family visits and spending time with friends

RESULTS

2pm: Handicap (PA) Dh40,000 (Dirt) 1,200m
Winner: Najem Al Rwasi, Fabrice Veron (jockey), Ahmed Al Shemaili (trainer)

2.30pm: Handicap (PA) Dh40,000 (D) 2,000m
Winner: Fandim, Fernando Jara, Majed Al Jahouri

3pm: Maiden (PA) Dh40,000 (D) 1,700m
Winner: Harbh, Pat Cosgrave, Ahmed Al Mehairbi

3.30pm: Maiden (PA) Dh40,000 (D) 1,700m
Winner: Wakeel W’Rsan, Richard Mullen, Jaci Wickham

4pm: Crown Prince of Sharjah Cup Prestige (PA) Dh200,000 (D) 1,200m
Winner: Jawaal, Fernando Jara, Majed Al Jahouri

4.30pm: Sheikh Ahmed bin Rashid Al Maktoum Cup (TB) Dh200,000 (D) 2,000m
Winner: Tailor’s Row, Royston Ffrench, Salem bin Ghadayer

The National Archives, Abu Dhabi

Founded over 50 years ago, the National Archives collects valuable historical material relating to the UAE, and is the oldest and richest archive relating to the Arabian Gulf.

Much of the material can be viewed on line at the Arabian Gulf Digital Archive - https://www.agda.ae/en

 

 

THE BIO:

Sabri Razouk, 74

Athlete and fitness trainer 

Married, father of six

Favourite exercise: Bench press

Must-eat weekly meal: Steak with beans, carrots, broccoli, crust and corn

Power drink: A glass of yoghurt

Role model: Any good man

The National's picks

4.35pm: Tilal Al Khalediah
5.10pm: Continous
5.45pm: Raging Torrent
6.20pm: West Acre
7pm: Flood Zone
7.40pm: Straight No Chaser
8.15pm: Romantic Warrior
8.50pm: Calandogan
9.30pm: Forever Young

How to wear a kandura

Dos

  • Wear the right fabric for the right season and occasion 
  • Always ask for the dress code if you don’t know
  • Wear a white kandura, white ghutra / shemagh (headwear) and black shoes for work 
  • Wear 100 per cent cotton under the kandura as most fabrics are polyester

Don’ts 

  • Wear hamdania for work, always wear a ghutra and agal 
  • Buy a kandura only based on how it feels; ask questions about the fabric and understand what you are buying
The specs: Aston Martin DB11 V8 vs Ferrari GTC4Lusso T

Price, base: Dh840,000; Dh120,000

Engine: 4.0L V8 twin-turbo; 3.9L V8 turbo

Transmission: Eight-speed automatic; seven-speed automatic

Power: 509hp @ 6,000rpm; 601hp @ 7,500rpm

Torque: 695Nm @ 2,000rpm; 760Nm @ 3,000rpm

Fuel economy, combined: 9.9L / 100km; 11.6L / 100km

Traits of Chinese zodiac animals

Tiger:independent, successful, volatile
Rat:witty, creative, charming
Ox:diligent, perseverent, conservative
Rabbit:gracious, considerate, sensitive
Dragon:prosperous, brave, rash
Snake:calm, thoughtful, stubborn
Horse:faithful, energetic, carefree
Sheep:easy-going, peacemaker, curious
Monkey:family-orientated, clever, playful
Rooster:honest, confident, pompous
Dog:loyal, kind, perfectionist
Boar:loving, tolerant, indulgent   

INDIA'S%20TOP%20INFLUENCERS
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ESSENTIALS

The flights 
Fly Etihad or Emirates from the UAE to Moscow from 2,763 return per person return including taxes. 
Where to stay 
Trips on the Golden Eagle Trans-Siberian cost from US$16,995 (Dh62,414) per person, based on two sharing.

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Position: legal consultant with Al Rowaad Advocates and Legal Consultants

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Tailors and retailers miss out on back-to-school rush

Tailors and retailers across the city said it was an ominous start to what is usually a busy season for sales.
With many parents opting to continue home learning for their children, the usual rush to buy school uniforms was muted this year.
“So far we have taken about 70 to 80 orders for items like shirts and trousers,” said Vikram Attrai, manager at Stallion Bespoke Tailors in Dubai.
“Last year in the same period we had about 200 orders and lots of demand.
“We custom fit uniform pieces and use materials such as cotton, wool and cashmere.
“Depending on size, a white shirt with logo is priced at about Dh100 to Dh150 and shorts, trousers, skirts and dresses cost between Dh150 to Dh250 a piece.”

A spokesman for Threads, a uniform shop based in Times Square Centre Dubai, said customer footfall had slowed down dramatically over the past few months.

“Now parents have the option to keep children doing online learning they don’t need uniforms so it has quietened down.”

Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

Updated: May 10, 2022, 7:37 PM