For Muslims the world over, Ramadan is a time for reflection, fasting, praying and, of course, giving. It is "the month of charity", the Quran says, and donating money or food to the less well-off, each according to his means, runs to the heart of the month's spirit. Optional giving is supplemented by the obligatory zakat al fitr, an act of charity meant to help the poor break the fast toward the end of Ramadan.
Whether or not you are Muslim - and whether or not you have lots of money to give - charity can be hugely satisfying. And yet as you give your money away, you should be aware of how your charitable activities interact with the rest of your finances. It also wise to give carefully, lest your generosity is squandered by an inefficient organisation that spends too much on fund-raising and not enough on people in need.
As with any large purchase, the first step in giving is deciding just how much money you can afford to part with. People often overstretch themselves when they give, forgetting to account for major expenses that they later come up short on because of their generosity. It is fairly easy to budget for a tithe (if you are Christian) or zakat (if you are Muslim), because it generally amounts to a fixed percentage of your income or assets. Budgeting for a larger lump sum - as you might do during Ramadan - is a little trickier.
"Budgeting is the key thing to do," says Jonathan Brookes, a financial planner in Dubai. "Don't just donate a month's salary without thinking about your mortgage, your annual rent check and other large expenses. People can forget that they have a big bill that's coming due."
So think of yourself and your budget before you give, in case doing all you can for the poor leads to your own bankruptcy. If it turns out that you can afford to donate less than you would have liked, work an item into your budget that sets aside a portion of your income for a larger lump-sum gift next year.
Once you have worked out how much money you can give, you are ready to do a little research. It might seem that looking under the rug of the charities you donate to sucks the spirit out of giving. But it is not crass at all. Making sure your gifts go far and help as many people as possible is another gift in itself - and is part of a new trend in giving that imports methods from the business world. The best approach, experts now say, is to look at charity as you would an investment, evaluating programmes and looking for a track record of strong results before plunking down any cash.
"People are beginning to take that leap beyond simply giving money out and looking at where the money is going and what it is doing," said Karim Shalaby, a philanthropy adviser at the American University in Cairo's Gerhart Center. "They are assuming a higher level of responsibility for their giving, and this is partly why we are seeing a blooming of foundations and charitable giving organisations in recent years."
Before you begin looking into charities, however, you will need to answer two questions: first, what kind of charity you would like to target and second, whether you would rather give all your money to a single charity or in smaller payments to many charities.
The first question is a simple matter of preference, but it will quickly narrow your search for reputable organisations to give to. If you know you want to give to, say, primary-school education for the poor in Sudan, you will already have reduced your options down to a handful of charities that you can then evaluate.
The second question is a matter of preference, too, though most philanthropy experts these days agree that making one large, targeted donation to a single organisation - preferably close to home - makes a bigger and more visible difference than giving many small gifts to large organisations that are already well-funded. That is not to say, of course, that you should not give money to the Red Crescent, Unicef, or any of the other mammoth-size players in the field. If you have a good chunk of money to give, though, do consider smaller operations where your dirhams could make a bigger difference.
"The big organisations are quite well-funded," Mr Shalaby says, "and it's the small ones that are new and have interesting ideas and are trying to compete for more attention. There are many organisations that are quite unknown that do not receive many funds."
Especially if you want to give to one of these small charities, doing your homework is key. Mr Shalaby and other philanthropy experts advise that you make as in-depth an evaluation of a charity as possible. Look for organisations that are transparent about their operations, meaning they disclose how much they spend on their programmes and what their results have been. Also look into how much they spend on advertising and other administrative costs versus what actually goes toward programmes. A healthy amount of spending on administration is legitimate and should not scare you away, but it should raise an eyebrow or two if an organisation ploughs over half of its funds into executive salaries and fund-raising.
Unfortunately, researching charities in the Middle East remains difficult, as a portal does not yet exist that lets you evaluate them all on basic criteria such as spending on fund-raising.
Some websites exist for country-specific charities, but a region-wide charity aggregator on the order of charitynavigator.org or guidestar.org in the US has yet to materialise.
In the UAE, you can see a decent listing at araboo.com/dir/uae-social-organisations, but it falls far short of the tools necessary to make giving decisions. Even the UAE chapter of the Red Crescent Society does not have a functioning website.
While expectations are that an online research tool for the region will soon emerge, in the meantime it is up to you to do the legwork, which makes narrowing down the causes and regions to which you want to donate all the more crucial.
If you do not have time to make a few calls and do a full vetting, go with one of the big charities listed on the right. Alternatively, you can get your hands dirty and donate via kiva.com, which allows you to make small loans to entrepreneurs across the globe (these do come with a small amount of interest, so Muslims should look elsewhere). Or go to freerice.com, which gives grains of rice to the needy based on how you perform in a vocabulary game supported by advertising, letting you have fun and do good work at the same time.
afitch@thenational.ae
Straightforward ways to reduce sugar in your family's diet
- Ban fruit juice and sodas
- Eat a hearty breakfast that contains fats and wholegrains, such as peanut butter on multigrain toast or full-fat plain yoghurt with whole fruit and nuts, to avoid the need for a 10am snack
- Give young children plain yoghurt with whole fruits mashed into it
- Reduce the number of cakes, biscuits and sweets. Reserve them for a treat
- Don’t eat dessert every day
- Make your own smoothies. Always use the whole fruit to maintain the benefit of its fibre content and don’t add any sweeteners
- Always go for natural whole foods over processed, packaged foods. Ask yourself would your grandmother have eaten it?
- Read food labels if you really do feel the need to buy processed food
- Eat everything in moderation
Will the pound fall to parity with the dollar?
The idea of pound parity now seems less far-fetched as the risk grows that Britain may split away from the European Union without a deal.
Rupert Harrison, a fund manager at BlackRock, sees the risk of it falling to trade level with the dollar on a no-deal Brexit. The view echoes Morgan Stanley’s recent forecast that the currency can plunge toward $1 (Dh3.67) on such an outcome. That isn’t the majority view yet – a Bloomberg survey this month estimated the pound will slide to $1.10 should the UK exit the bloc without an agreement.
New Prime Minister Boris Johnson has repeatedly said that Britain will leave the EU on the October 31 deadline with or without an agreement, fuelling concern the nation is headed for a disorderly departure and fanning pessimism toward the pound. Sterling has fallen more than 7 per cent in the past three months, the worst performance among major developed-market currencies.
“The pound is at a much lower level now but I still think a no-deal exit would lead to significant volatility and we could be testing parity on a really bad outcome,” said Mr Harrison, who manages more than $10 billion in assets at BlackRock. “We will see this game of chicken continue through August and that’s likely negative for sterling,” he said about the deadlocked Brexit talks.
The pound fell 0.8 per cent to $1.2033 on Friday, its weakest closing level since the 1980s, after a report on the second quarter showed the UK economy shrank for the first time in six years. The data means it is likely the Bank of England will cut interest rates, according to Mizuho Bank.
The BOE said in November that the currency could fall even below $1 in an analysis on possible worst-case Brexit scenarios. Options-based calculations showed around a 6.4 per cent chance of pound-dollar parity in the next one year, markedly higher than 0.2 per cent in early March when prospects of a no-deal outcome were seemingly off the table.
Bloomberg
Thank You for Banking with Us
Director: Laila Abbas
Starring: Yasmine Al Massri, Clara Khoury, Kamel El Basha, Ashraf Barhoum
Rating: 4/5
APPLE IPAD MINI (A17 PRO)
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Gender equality in the workplace still 200 years away
It will take centuries to achieve gender parity in workplaces around the globe, according to a December report from the World Economic Forum.
The WEF study said there had been some improvements in wage equality in 2018 compared to 2017, when the global gender gap widened for the first time in a decade.
But it warned that these were offset by declining representation of women in politics, coupled with greater inequality in their access to health and education.
At current rates, the global gender gap across a range of areas will not close for another 108 years, while it is expected to take 202 years to close the workplace gap, WEF found.
The Geneva-based organisation's annual report tracked disparities between the sexes in 149 countries across four areas: education, health, economic opportunity and political empowerment.
After years of advances in education, health and political representation, women registered setbacks in all three areas this year, WEF said.
Only in the area of economic opportunity did the gender gap narrow somewhat, although there is not much to celebrate, with the global wage gap narrowing to nearly 51 per cent.
And the number of women in leadership roles has risen to 34 per cent globally, WEF said.
At the same time, the report showed there are now proportionately fewer women than men participating in the workforce, suggesting that automation is having a disproportionate impact on jobs traditionally performed by women.
And women are significantly under-represented in growing areas of employment that require science, technology, engineering and mathematics skills, WEF said.
* Agence France Presse
COMPANY PROFILE
Name: Almnssa
Started: August 2020
Founder: Areej Selmi
Based: Gaza
Sectors: Internet, e-commerce
Investments: Grants/private funding
Tree of Hell
Starring: Raed Zeno, Hadi Awada, Dr Mohammad Abdalla
Director: Raed Zeno
Rating: 4/5
BIGGEST CYBER SECURITY INCIDENTS IN RECENT TIMES
SolarWinds supply chain attack: Came to light in December 2020 but had taken root for several months, compromising major tech companies, governments and its entities
Microsoft Exchange server exploitation: March 2021; attackers used a vulnerability to steal emails
Kaseya attack: July 2021; ransomware hit perpetrated REvil, resulting in severe downtime for more than 1,000 companies
Log4j breach: December 2021; attackers exploited the Java-written code to inflitrate businesses and governments
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Banthology: Stories from Unwanted Nations
Edited by Sarah Cleave, Comma Press
Cricket World Cup League 2
UAE squad
Rahul Chopra (captain), Aayan Afzal Khan, Ali Naseer, Aryansh Sharma, Basil Hameed, Dhruv Parashar, Junaid Siddique, Muhammad Farooq, Muhammad Jawadullah, Muhammad Waseem, Omid Rahman, Rahul Bhatia, Tanish Suri, Vishnu Sukumaran, Vriitya Aravind
Fixtures
Friday, November 1 – Oman v UAE
Sunday, November 3 – UAE v Netherlands
Thursday, November 7 – UAE v Oman
Saturday, November 9 – Netherlands v UAE
How to protect yourself when air quality drops
Install an air filter in your home.
Close your windows and turn on the AC.
Shower or bath after being outside.
Wear a face mask.
Stay indoors when conditions are particularly poor.
If driving, turn your engine off when stationary.
Moon Music
Artist: Coldplay
Label: Parlophone/Atlantic
Number of tracks: 10
Rating: 3/5
Company%20Profile
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Joker: Folie a Deux
Starring: Joaquin Phoenix, Lady Gaga, Brendan Gleeson
Director: Todd Phillips
Rating: 2/5
BlacKkKlansman
Director: Spike Lee
Starring: John David Washington; Adam Driver
Five stars
Our Time Has Come
Alyssa Ayres, Oxford University Press
SHALASH%20THE%20IRAQI
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The%20Genius%20of%20Their%20Age
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Company profile: buybackbazaar.com
Name: buybackbazaar.com
Started: January 2018
Founder(s): Pishu Ganglani and Ricky Husaini
Based: Dubai
Sector: FinTech, micro finance
Initial investment: $1 million
Company%20Profile
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Company%20Profile
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TRAP
Starring: Josh Hartnett, Saleka Shyamalan, Ariel Donaghue
Director: M Night Shyamalan
Rating: 3/5
Difference between fractional ownership and timeshare
Although similar in its appearance, the concept of a fractional title deed is unlike that of a timeshare, which usually involves multiple investors buying “time” in a property whereby the owner has the right to occupation for a specified period of time in any year, as opposed to the actual real estate, said John Peacock, Head of Indirect Tax and Conveyancing, BSA Ahmad Bin Hezeem & Associates, a law firm.
COMPANY%20PROFILE
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COMPANY%20PROFILE
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The specs: 2018 Alfa Romeo Stelvio
Price, base: Dh198,300
Engine: 2.0L in-line four-cylinder
Transmission: Eight-speed automatic
Power: 280hp @ 5,250rpm
Torque: 400Nm @ 2,250rpm
Fuel economy, combined: 7L / 100km
Small%20Things%20Like%20These
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Maestro
%3Cp%3E%3Cstrong%3EDirector%3A%20%3C%2Fstrong%3EBradley%20Cooper%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarring%3A%20%3C%2Fstrong%3EBradley%20Cooper%2C%20Carey%20Mulligan%2C%20Maya%20Hawke%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%203%2F5%3C%2Fp%3E%0A
Aquaman%20and%20the%20Lost%20Kingdom
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MIDWAY
Produced: Lionsgate Films, Shanghai Ryui Entertainment, Street Light Entertainment
Directed: Roland Emmerich
Cast: Ed Skrein, Woody Harrelson, Dennis Quaid, Aaron Eckhart, Luke Evans, Nick Jonas, Mandy Moore, Darren Criss
Rating: 3.5/5 stars
UAE currency: the story behind the money in your pockets
UAE currency: the story behind the money in your pockets
12%20restaurants%20opening%20at%20the%20hotel%20this%20month
%3Cp%3EAriana%E2%80%99s%20Persian%20Kitchen%3Cbr%3EDinner%20by%20Heston%20Blumenthal%3Cbr%3EEstiatorio%20Milos%3Cbr%3EHouse%20of%20Desserts%3Cbr%3EJaleo%20by%20Jose%20Andres%3Cbr%3ELa%20Mar%3Cbr%3ELing%20Ling%3Cbr%3ELittle%20Venice%20Cake%20Company%3Cbr%3EMalibu%2090265%3Cbr%3ENobu%20by%20the%20Beach%3Cbr%3EResonance%20by%20Heston%20Blumenthal%3Cbr%3EThe%20Royal%20Tearoom%C2%A0%3C%2Fp%3E%0A
'Gehraiyaan'
Director:Shakun Batra
Stars:Deepika Padukone, Siddhant Chaturvedi, Ananya Panday, Dhairya Karwa
Rating: 4/5
Common OCD symptoms and how they manifest
Checking: the obsession or thoughts focus on some harm coming from things not being as they should, which usually centre around the theme of safety. For example, the obsession is “the building will burn down”, therefore the compulsion is checking that the oven is switched off.
Contamination: the obsession is focused on the presence of germs, dirt or harmful bacteria and how this will impact the person and/or their loved ones. For example, the obsession is “the floor is dirty; me and my family will get sick and die”, the compulsion is repetitive cleaning.
Orderliness: the obsession is a fear of sitting with uncomfortable feelings, or to prevent harm coming to oneself or others. Objectively there appears to be no logical link between the obsession and compulsion. For example,” I won’t feel right if the jars aren’t lined up” or “harm will come to my family if I don’t line up all the jars”, so the compulsion is therefore lining up the jars.
Intrusive thoughts: the intrusive thought is usually highly distressing and repetitive. Common examples may include thoughts of perpetrating violence towards others, harming others, or questions over one’s character or deeds, usually in conflict with the person’s true values. An example would be: “I think I might hurt my family”, which in turn leads to the compulsion of avoiding social gatherings.
Hoarding: the intrusive thought is the overvaluing of objects or possessions, while the compulsion is stashing or hoarding these items and refusing to let them go. For example, “this newspaper may come in useful one day”, therefore, the compulsion is hoarding newspapers instead of discarding them the next day.
Source: Dr Robert Chandler, clinical psychologist at Lighthouse Arabia
UAE%20SQUAD
%3Cp%3EMuhammad%20Waseem%20(captain)%2C%20Aayan%20Khan%2C%20Aryan%20Lakra%2C%20Ashwanth%20Valthapa%2C%20Asif%20Khan%2C%20Aryansh%20Sharma%2C%20CP%20Rizwaan%2C%20Hazrat%20Billal%2C%20Junaid%20Siddique%2C%20Karthik%20Meiyappan%2C%20Rohan%20Mustafa%2C%20Vriitya%20Aravind%2C%20Zahoor%20Khan%20and%20Zawar%20Farid.%3C%2Fp%3E%0A
SPECS
Engine: 4-litre V8 twin-turbo
Power: 630hp
Torque: 850Nm
Transmission: 8-speed Tiptronic automatic
Price: From Dh599,000
On sale: Now
Recent winners
2002 Giselle Khoury (Colombia)
2004 Nathalie Nasralla (France)
2005 Catherine Abboud (Oceania)
2007 Grace Bijjani (Mexico)
2008 Carina El-Keddissi (Brazil)
2009 Sara Mansour (Brazil)
2010 Daniella Rahme (Australia)
2011 Maria Farah (Canada)
2012 Cynthia Moukarzel (Kuwait)
2013 Layla Yarak (Australia)
2014 Lia Saad (UAE)
2015 Cynthia Farah (Australia)
2016 Yosmely Massaad (Venezuela)
2017 Dima Safi (Ivory Coast)
2018 Rachel Younan (Australia)
Pathaan
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