My failure to do the maths has a long and less than illustrious history. When I was 11, drawing a "pretty flower" in my trigonometry book failed to impress my teacher.
I was given a detention for not doing my homework.
Sadly, my inability to plan my finances is no different. And it led to more than a few tight situations when I moved from London to Dubai in January 2006; a detention would have been a welcomed substitute for the financial problems I caused myself.
When I was offered a job in Dubai as a magazine production coordinator, I accepted eagerly. It was a cold and rainy November in 2005, and the promise of a suntan was perhaps more of a deciding factor than it should have been. At the time, I was plugging away at an uninspired, dead-end job as a graphic designer for a tiny, privately-owned publishing company. I was ready for a change of scenery.
My bags were packed, and within six weeks - in January 2006 - I arrived in Dubai at the ripe age of 27, eager to start my new job on a modest salary of Dh9,500 a month.
But the experience started on a sombre note. The day after I arrived, Sheikh Maktoum bin Rashid Al Maktoum, the former Vice President and Prime Minister of the UAE, passed away. So I found myself with a week off work, as all offices in the city closed for a period of mourning. To pass the time, I decided to explore, and I quickly discovered what many people consider the UAE's national pastime ? shopping. Of course, I hadn't yet received my first salary transfer for my new job, nor had I set up a local bank account.
I decided to use my UK credit and debit cards, with the comforting thought that, at the end of the month, I would be paid. A few treats to help me get settled in my new home isn't unreasonable.
Plus, I'd just bought a house in London, which I started renting out once I moved to Dubai. So a nice juicy injection of cash once a month from my tenant ought to see me off in fine style. I charged £750 (Dh4,451) a month for my one-bedroom flat in London on the ground floor. This rent helped pay my mortgage of £500 per month.
So overall, I felt financially secure.
Of course, my big mistake was that I didn't put aside a sufficient nest egg to get me through those first weeks in Dubai. With time on my hands, I decided to splurge on new clothes, shoes, some jewellery and two handbags. Before long, I had slapped Dh2,000 on my credit card.
At the time, as I looked for permanent flat, I was staying in a hotel in Bur Dubai, and the company withdrew Dh2,500 from my monthly salary. And because I had only worked half of January, once the period of mourning ended, my first salary transfer was a measly Dh4,500. So after the Dh2,000 on my credit card for those precious clothes and accessories, there was nothing left.
Meanwhile, back in London, my tenant wasn't paying up. I had rented the ground floor of the house to a former colleague of mine at the publishing company. He was diligent, organised and neat at work. But he proved to be a miserable tenant.
I had calculated his rent to hit my account a few days before the mortgage payment came out at the end of January. Unfortunately, this clever system fell apart after my tenant didn't pay on the agreed date.
I made the discovery when my British debit card was declined while buying yet another pair of shoes. I would soon realise that my overdraft facility had been exceeded. In fact, my account was suddenly a whopping Dh11,870 in the negative.
Luckily, there was just enough to make the mortgage payment for that month. But now, with my January salary spent, a drained bank account and a dead-beat tenant, my sunny prospects in Dubai were suddenly looking a bit dim.
I called home immediately and demanded that my former colleague pay his rent, and he promised to transfer the cash into my account the following day. The money did finally fall, but not for several days, arriving in the first few days of February. Of course, this £750 payment wasn't nearly enough to bring me out of the red, let alone provide enough money to live on.
All that was left was a £2,000 balance available on my UK credit card - and I didn't have a permanent home yet. So I took out a two-year loan of Dh35,000. With three friends, I rented a villa with a pool for just Dh100,000 in Mirdif. I never really considered how I would pay all of this money back. It was only because of a small family inheritance later that year that I was able to get back on my feet again, and it took me nearly two years and several pay rises to start saving any money at all.
In hindsight, I can't imagine moving anywhere again without finding out exactly how much money I would need in advance. In other words, moving to a new city is full of costs, so be ready for them.
Now, at 31, I have since moved on from the magazine to a few other jobs in the media industry. And my sense of financial responsibility has changed, too. I have enough savings to keep me going for up to a year if misfortune happens to strike. In mid-2008 I also started an investment scheme with Friends Provident, to which I contribute a modest sum every month. But back then, I was foolish financially.
I would definitely have spoken to more people about day-to-day living costs, and if I'd bothered to ask about loan rates in Dubai I would have received a much cheaper loan or overdraft facility from my UK bank, as the interest in Dubai can be ridiculous. I would also have rented my home in London to someone with references from previous landlords, and I'll never rent to a friend or colleague again. If there is a disagreement, the relationship can be destroyed in the process.
I think I would also have stayed away from the malls; one loses sight of the value of money when spending in a foreign currency.
Finally, and most importantly, I would have done the maths before leaving London. Trying to wing it when you don't have a lot of cash to begin with is a recipe for disaster, and if I'd defaulted on a mortgage payment while in Dubai I could have risked losing my home.
And that's not something I intend on doing anytime soon.
SPECS
Engine: Two-litre four-cylinder turbo
Power: 235hp
Torque: 350Nm
Transmission: Nine-speed automatic
Price: From Dh167,500 ($45,000)
On sale: Now
The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now
If you go
Where to stay: Courtyard by Marriott Titusville Kennedy Space Centre has unparalleled views of the Indian River. Alligators can be spotted from hotel room balconies, as can several rocket launch sites. The hotel also boasts cool space-themed decor.
When to go: Florida is best experienced during the winter months, from November to May, before the humidity kicks in.
How to get there: Emirates currently flies from Dubai to Orlando five times a week.
More from Neighbourhood Watch:
How to help
Send “thenational” to the following numbers or call the hotline on: 0502955999
2289 – Dh10
2252 – Dh 50
6025 – Dh20
6027 – Dh 100
6026 – Dh 200
Wicked
Director: Jon M Chu
Stars: Cynthia Erivo, Ariana Grande, Jonathan Bailey
Citadel: Honey Bunny first episode
Directors: Raj & DK
Stars: Varun Dhawan, Samantha Ruth Prabhu, Kashvi Majmundar, Kay Kay Menon
Rating: 4/5
The specs
Engine: 0.8-litre four cylinder
Power: 70bhp
Torque: 66Nm
Transmission: four-speed manual
Price: $1,075 new in 1967, now valued at $40,000
On sale: Models from 1966 to 1970
APPLE IPAD MINI (A17 PRO)
Display: 21cm Liquid Retina Display, 2266 x 1488, 326ppi, 500 nits
Chip: Apple A17 Pro, 6-core CPU, 5-core GPU, 16-core Neural Engine
Storage: 128/256/512GB
Main camera: 12MP wide, f/1.8, digital zoom up to 5x, Smart HDR 4
Front camera: 12MP ultra-wide, f/2.4, Smart HDR 4, full-HD @ 25/30/60fps
Biometrics: Touch ID, Face ID
Colours: Blue, purple, space grey, starlight
In the box: iPad mini, USB-C cable, 20W USB-C power adapter
Price: From Dh2,099
Electoral College Victory
Trump has so far secured 295 Electoral College votes, according to the Associated Press, exceeding the 270 needed to win. Only Nevada and Arizona remain to be called, and both swing states are leaning Republican. Trump swept all five remaining swing states, North Carolina, Georgia, Pennsylvania, Michigan and Wisconsin, sealing his path to victory and giving him a strong mandate.
Popular Vote Tally
The count is ongoing, but Trump currently leads with nearly 51 per cent of the popular vote to Harris’s 47.6 per cent. Trump has over 72.2 million votes, while Harris trails with approximately 67.4 million.
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Company%20Profile
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Four motivational quotes from Alicia's Dubai talk
“The only thing we need is to know that we have faith. Faith and hope in our own dreams. The belief that, when we keep going we’re going to find our way. That’s all we got.”
“Sometimes we try so hard to keep things inside. We try so hard to pretend it’s not really bothering us. In some ways, that hurts us more. You don’t realise how dishonest you are with yourself sometimes, but I realised that if I spoke it, I could let it go.”
“One good thing is to know you’re not the only one going through it. You’re not the only one trying to find your way, trying to find yourself, trying to find amazing energy, trying to find a light. Show all of yourself. Show every nuance. All of your magic. All of your colours. Be true to that. You can be unafraid.”
“It’s time to stop holding back. It’s time to do it on your terms. It’s time to shine in the most unbelievable way. It’s time to let go of negativity and find your tribe, find those people that lift you up, because everybody else is just in your way.”
How to donate
Text the following numbers:
2289 - Dh10
6025 - Dh 20
2252 - Dh 50
2208 - Dh 100
6020 - Dh 200
*numbers work for both Etisalat and du
The specs
Engine: 1.5-litre turbo
Power: 181hp
Torque: 230Nm
Transmission: 6-speed automatic
Starting price: Dh79,000
On sale: Now
COMPANY%20PROFILE
%3Cp%3E%3Cstrong%3ECompany%20name%3C%2Fstrong%3E%3A%20ASI%20(formerly%20DigestAI)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%202017%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20Quddus%20Pativada%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20Dubai%2C%20UAE%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EIndustry%3A%3C%2Fstrong%3E%20Artificial%20intelligence%2C%20education%20technology%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFunding%3A%3C%2Fstrong%3E%20%243%20million-plus%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EInvestors%3A%3C%2Fstrong%3E%20GSV%20Ventures%2C%20Character%2C%20Mark%20Cuban%3C%2Fp%3E%0A
COMPANY PROFILE
Name: Qyubic
Started: October 2023
Founder: Namrata Raina
Based: Dubai
Sector: E-commerce
Current number of staff: 10
Investment stage: Pre-seed
Initial investment: Undisclosed
SPEC%20SHEET%3A%20APPLE%20IPAD%20PRO%20(12.9%22%2C%202022)
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RESULTS
5pm: Sweihan – Handicap (PA) Dh80,000 (Turf) 2,200m
Winner: Shamakh, Fernando Jara (jockey), Jean-Claude Picout (trainer)
5.30pm: Al Shamkha – Maiden (PA) Dh80,000 (T) 1,200m
Winner: Daad, Dane O’Neill, Jaber Bittar
6pm: Shakbout City – Maiden (PA) Dh80,000 (T) 1,200m
Winner: AF Ghayyar, Tadhg O’Shea, Ernst Oertel
6.30pm: Wathba Stallions Cup – Handicap (PA) Dh70,000 (T) 1,200m
Winner: Gold Silver, Sandro Paiva, Ibrahim Aseel
7pm: Masdar City – Handicap (PA) Dh80,000 (T) 1,400m
Winner: AF Musannef, Tadhg O’Shea, Ernst Oertel
7.30pm: Khalifa City – Maiden (TB) Dh80,000 (T) 1,400m
Winner: Ranchero, Patrick Cosgrave, Bhupat Seemar
Nayanthara: Beyond The Fairy Tale
Starring: Nayanthara, Vignesh Shivan, Radhika Sarathkumar, Nagarjuna Akkineni
Director: Amith Krishnan
Rating: 3.5/5
Charlotte Gainsbourg
Rest
(Because Music)
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A new relationship with the old country
Treaty of Friendship between the United Kingdom of Great Britain and Northern Ireland and the United Arab Emirates
The United kingdom of Great Britain and Northern Ireland and the United Arab Emirates; Considering that the United Arab Emirates has assumed full responsibility as a sovereign and independent State; Determined that the long-standing and traditional relations of close friendship and cooperation between their peoples shall continue; Desiring to give expression to this intention in the form of a Treaty Friendship; Have agreed as follows:
ARTICLE 1 The relations between the United Kingdom of Great Britain and Northern Ireland and the United Arab Emirates shall be governed by a spirit of close friendship. In recognition of this, the Contracting Parties, conscious of their common interest in the peace and stability of the region, shall: (a) consult together on matters of mutual concern in time of need; (b) settle all their disputes by peaceful means in conformity with the provisions of the Charter of the United Nations.
ARTICLE 2 The Contracting Parties shall encourage education, scientific and cultural cooperation between the two States in accordance with arrangements to be agreed. Such arrangements shall cover among other things: (a) the promotion of mutual understanding of their respective cultures, civilisations and languages, the promotion of contacts among professional bodies, universities and cultural institutions; (c) the encouragement of technical, scientific and cultural exchanges.
ARTICLE 3 The Contracting Parties shall maintain the close relationship already existing between them in the field of trade and commerce. Representatives of the Contracting Parties shall meet from time to time to consider means by which such relations can be further developed and strengthened, including the possibility of concluding treaties or agreements on matters of mutual concern.
ARTICLE 4 This Treaty shall enter into force on today’s date and shall remain in force for a period of ten years. Unless twelve months before the expiry of the said period of ten years either Contracting Party shall have given notice to the other of its intention to terminate the Treaty, this Treaty shall remain in force thereafter until the expiry of twelve months from the date on which notice of such intention is given.
IN WITNESS WHEREOF the undersigned have signed this Treaty.
DONE in duplicate at Dubai the second day of December 1971AD, corresponding to the fifteenth day of Shawwal 1391H, in the English and Arabic languages, both texts being equally authoritative.
Signed
Geoffrey Arthur Sheikh Zayed
The specs
Engine: 2-litre or 3-litre 4Motion all-wheel-drive Power: 250Nm (2-litre); 340 (3-litre) Torque: 450Nm Transmission: 8-speed automatic Starting price: From Dh212,000 On sale: Now
Super Saturday race card
4pm: Mahab Al Shimaal Group 3 | US$350,000 | (Dirt) | 1,200m
4.35pm: Al Bastakiya Listed | $300,000 | (D) | 1,900m
5.10pm: Nad Al Sheba Turf Group 3 | $350,000 | (Turf) | 1,200m
5.45pm: Burj Nahaar Group 3 | $350,000 | (D) | 1,600m
6.20pm: Dubai City of Gold Group 2 | $300,000 | (T) | 2,410m
6.55pm: Al Maktoum Challenge Round 3 Group 1 | $600,000 | (D) | 2,000m
7.30pm: Jebel Hatta Group 1 | $400,000 | (T) | 1,800m
UPI facts
More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions
BeIN Sports currently has the rights to show
- Champions League
- English Premier League
- Spanish Primera Liga
- Italian, French and Scottish leagues
- Wimbledon and other tennis majors
- Formula One
- Rugby Union - Six Nations and European Cups
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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
JOKE'S%20ON%20YOU
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The specs
Engine: 3.0-litre six-cylinder turbo
Power: 398hp from 5,250rpm
Torque: 580Nm at 1,900-4,800rpm
Transmission: Eight-speed auto
Fuel economy, combined: 6.5L/100km
On sale: December
Price: From Dh330,000 (estimate)
