A passage through India


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Scott MacMillan rides the Himsagar Express, which travels through 10 states from Jammu in the north to Kanyakumari at India's southern tip.

The conductor sounds the "all aboard" horn as a full moon rises over the plains of Jammu, the region in India's far north nestled against the Himalayas. With passengers still settling into their berths, the Himsagar Express pulls out of the station at 11.45pm, not a minute late. On board India's longest single-trip train ride, we're sharing an alcove with a Rajasthani family returning from holiday in Kashmir - eight bodies stuffed onto three levels of a space barely two metres long by three metres wide. The train is packed with villagers and city folk, rich and poor, pilgrims, soldiers, scientists and businessmen - a microcosm of India herself - all rocked to sleep by a rhythmic clatter that won't end for another 3,720km, when the train pulls into the terminus at Kanyakumari, India's southernmost tip, 71 hours from now. Over three days in early July, the country reveals itself both in the passing scenery and in a rotating cast of fellow travellers. Riding India's trains creates an unparalleled opportunity to interact with a broad spectrum of its billion-plus population, and you'll learn things that no guidebook would ever tell you. Like that Punjabis are nuts about Mercedes. This and more I discuss with Anubhan Jindal, a 20-something Punjabi I meet the first morning in the vestibule of the next car over, when we're already hurtling through the plains of Punjab toward Delhi.

I'm well-rested, for I've had the fortune of riding in an air-conditioned coach. Here in regular sleeper class, a notch down in luxury, the scorching air whooshes through the carriage like a hair dryer turned on full blast. Jindal boarded in the early morning at Ludhiana, a city of two million dubbed "the Manchester of India" for its prowess in textiles, home to factories spinning clothes for Gap, Tommy Hilfiger, Reebok and a thousand other brands.

As irrigated wheat fields rush past the open doorway, Jindal seems like the portrait of India's upwardly mobile middle class. Working as a sales executive for a Ludhiana-based manufacturer with a large Reebok contract, he pulls in US$427 (Dh1,567) per month, not bad considering about 40 per cent of the Indian population lives on less than $40 monthly. He confirms what I've heard elsewhere: that Punjab contains the largest concentration of Mercedes cars in the country, for its countryside is India's breadbasket and its cities plump with industrial cash. "Punjabis are totally rich people and they only want to show it," Jindal says. He'll probably get a Mercedes after a few years, he adds. "It's not the car I want. I want a Scorpio [a high-end Indian SUV], but it's not all about me. Maybe my family will want one and I'll get it for them." On the Himsagar, one passes the time in conversations like these, more revealing than a thousand cookie-cutter snapshots of the Taj Mahal. Granted, travelling in such close quarters isn't for everybody. Expect no turbaned waiters serving sumptuous curries on crisp white tablecloths in private compartments. At $47 (Dh174) for a sleeping berth in air-conditioned three-tier class, this is unadulterated India, warts and all, with cockroaches in the pantry car and washrooms consisting of squat toilets emptying directly onto the track. Compulsive hand-washers would be advised to bring along several tubs of antibacterial gel. The word "Himsagar", a compound of the Hindu words for "snow" and "sea", is something of a misnomer, for the Indian Railways network doesn't yet reach the snowy heights of the Himalayas. At the Himsagar's northern terminus, Jammu itself is hotter than a fresh chapatti and nearly as flat. Work continues on a rail line extending to Srinagar, a city nestled in the Kashmir vale 300km to the north, but the Indians have been planning this project since the days when Krishna walked the earth, and it's anyone's guess when it will be finished. That said, this is still the undisputed granddaddy of all Indian train rides, crossing 10 states in all. It cuts a swathe through the plains of Punjab and Haryana on its first day, stopping in Delhi and Agra before traversing the great Deccan plateau of peninsular India. In Andhra Pradesh, it reaches the eastern coastal plains before plunging back across the peninsula, through the hills of Tamil Nadu to the western wetlands of Kerala, before coming down to a final stop at land's end, Kanyakumari. Along the way, one whiles away the hours happily captivated by a civilisation arguably richer in cultural wonders than any other on earth. Here, for instance, is KM Thangaraju, clad in loose folds of orange cloth, shirtless, a turban atop an unkempt greying mane, a hairy chest draped with a peach-cream scarf, and a beard worthy of Tolkein. Thangaraju represents another archetype of the Indian traveller: the religious pilgrim. The Himsagar carries flocks of the devout going to and from India's myriad holy places, from Amarnath in the north to Tirupathi and Kanyakumari in the south. A former police inspector from Tamil Nadu, Thangaraju is now a sanyassi, or renunciate, one who has forsaken worldly concerns to become a full-time spiritual seeker. Initiated into the secret meditation technique of kriya yoga, he speaks with the booming stentorian tones of scripture. "I have no religion, I have no caste, and I have no country," he intones. "I am a universal person beyond all distinctions." I soon take to calling him swamiji, a title of respect for a holy man.

With a group of 11 pilgrims, Swami Thangaraju is riding the Himsagar from Jammu to Coimbatore, Tamil Nadu, a 58-hour journey home from the Amarnath yatra, a popular but arduous Himalayan pilgrimage to a cave where a natural ice lingam, a symbol of the god Shiva - something like a holy stalagmite - waxes and wanes with the moon's cycle. Perhaps a holdover from his life as an inspector, he describes the journey using the language of a police blotter: "We reached Baltal at 19-hundred hours. We rested that night. The weather is inclement, chilled and cold." And so on, onto a detailed description of walking the final 18km "full of bodily pain, mental torture and agony." As the train approaches Delhi, the mountainous terrain the swami describes is a world apart from the landscape on either side, for there's nary a hillock to be seen on the horizon. The northern plain is a vital feature of subcontinental geography, a vast fertile crescent from the Ganges delta in Bangladesh to the mouth of the Indus at Karachi, -Pakistan. The water parting between the two river basins, located near Delhi, lies a mere 274m above sea level, which means the entire plain, from delta to delta, is about as flat as a cricket pitch, sloping mere inches per kilometre. Though hardly picturesque, the population of three countries would likely starve without these endless fecund flatlands. Settlements, slums and trash heaps come right up to the tracks as we enter the capital. Behind schedule, the Himsagar makes up lost time in Delhi by cutting short two long scheduled stops. Were the train running punctually, it would theoretically be possible to hop off in Delhi at 1.15pm, take a taxi to Agra for around $50 (Dh184), watch the sun set on the Taj Mahal, then jump back onto the same train at Agra station at 6.35pm. We don't risk it. No matter, for we're better off here on the train. As the hours go by, we start to become more acquainted with the other long-haulers. The Rajasthani family in our cabin disembarks at Delhi, replaced by a host of new characters with whom we share the alcove for most of the next two days; a group that highlights the geographic mobility of Indians who can afford to travel in AC class. There's a bookish KB Sreenath, 23, who hails from Cochin, Kerala, and works for a government agency in Delhi on Aids research; for most of his 52-hour journey home, he reads photo-copied pages from a biology textbook. Naresh Suriana, 29, a cardboard box manufacturer who lives near Coimbatore, and his wife Seema, met and married in the south, though both come from Rajasthan. Two Keralan soldiers, meanwhile, are stationed on the other side of the country in Srinagar, probably the least coveted post in the Indian Army. Meanwhile, of the train staff, I take an instant liking to M Laguri, the AC technician. Like the James Bond character, he never does tell us his first name, but M is a reassuring presence throughout the ride, periodically passing through our compartment brandishing a flathead screwdriver. A visit to the pantry car finds the kitchen managed by an authoritarian Sikh who shouts "no photos!" whenever our cameras emerge - no surprise, given the cockroaches that congregate here. The curries and birianis are delicious nonetheless.

Actually, the travelling culinary fare is part of the appeal of Indian railways. Food and drink vendors roam the platforms and corridors, their circus-like cries often hard to decipher, hawking hot tea ("garam chai, garam chai!"), cold drinks and food from the pantry car. The beverage man sings a short song that sounds like a flat bird call ending with "ding ding". Upon repeated listening we figure out he's saying, "Paniii, cooling-drink-fruiteee," or roughly translated, "I've got bottled water (pani) and cold drinks, including fruit-flavoured carbonated beverages." Certain stops are famous for particular platform nibbles. At the recommendation of the locals, I purchase a box of "Agra's Famous Special Petha," or crystallised pumpkin, for 50 rupees (about $1 or Dh4). I feel like a trick has been played, for the soft white chunks taste sickeningly like pure processed sugar, no hint of pumpkin to be discerned. I can't even finish one, and despite my insistent offers, the Indians don't want any either. "Agra petha is an invitation to tooth decay," clucks Seema, the wife of the cardboard box man. The information would have been helpful earlier. As the sun sets on our first day of travel, it's still stiflingly hot outside the cocoon of our AC carriage, but when we wake up the next morning near Nagpur, India's geographic centre, we literally find a changed atmosphere. Though we're still far inland, the outside temperature has dropped about 10 degrees. It's one of the oddities of India's climate that during the summer monsoon season, it gets cooler as you move toward the equator. Greenery now undulates on either side of the tracks, although the scenery is often blighted by shantytowns, trash heaps and a welter of new constructions, with rebar protruding from half-built houses. Feeling like part of the train's furniture by now, we venture into next door's sleeper class carriage to see who's joined us during the night. In the wee hours at Bhopal, a group of 24 boarded, the Goswamis, the Lakheras and the Lodhis, three -generations of three extended families on pilgrimage to Kanyakumari. The patriarchs, each around 60, became friends working for the government service 20 years ago, and despite coming from different castes, their families have joined together for a massive outing. The Bhopal clans provide some of the best company of the trip, for they make a lively scene of never-ending commotion. Elderly women sing -devotional songs as their grandchildren pile onto one another's laps, jostling for space on the blue nylon cushions; the older girls, a visual symphony of blowing scarves and saris in saffron, teal and crimson, pass the hours with decorative hand painting called mehendi. Despite all the women of marriageable age, Shailendra Goswami, an unmarried man of 23, laughs at my naivety when I suggest the shared journey might spark some romance. Last names signify castes, and Shailendra's future wife can be neither Lodhi nor Lakhera. "I can only marry a Goswami girl," he says. The hours roll on as the bogies trundle down the peninsula. That afternoon, we cross the border between Maharashtra and Andhra Pradesh, a major cultural divide, for in a country of hundreds of languages and dialects, South India starts here, where dominance of Indic languages (Hindi, Punjabi and Marathi) gives way to the Dravidian group (Telugu, Tamil and Malayalam). It's a culinary frontier, as well, for increasingly we hear cries that sound like "dosaad-livadee, dosaad-livadee!" It's actually the three staples of south Indian cuisine: dosa, a rice pancake; idly, a steamed cake made from rice and fermented black lentils; and vada or vadai, a lentil or gram flour doughnut. As we enter the south, one of the main topics of conversation becomes Tirupati, a stop on the route. Ask most non-Indians to name the world's most visited pilgrimage site and they're likely to say Mecca or perhaps the Vatican, but they'd be wrong, for it's Tirupathi, located in the Tirumalai Hills about 100km north-west of Chennai. The town's Sri Venkatesvara Temple sees tens of thousands of visitors daily paying homage to a god popularly known as Tirupati Balaji, said to be the world's richest deity. In addition to wealth, Balaji supposedly has the power - and, if you chop your hair off and offer it to him, the inclination - to grant most any wish, be it good health, material gain or a high exam score.

Rajesh Kumar Gupta, 43, already earns a respectable $820 (Dh3,008) a month from various businesses, but wants to become "a person of great means, so my name is known all over the world," he says. "I pray to Tirupati Balaji to get more, more, more!" His daughter Denira, 19, meanwhile, is praying to become an officer in the Indian Administration Services, but there's one problem, for she's not ready to give up the black hair that flows halfway down her back. She says she'll see if she can donate just a portion. "I can't give my entire hair. How would I live? People will laugh at me." Approaching the Bay of Bengal near Vijayawada, one senses a difference in the air - perhaps a shift in air pressure as it becomes cooler and less dry. A minstrel woman appears, singing for pocket change, adding a touch of melancholy to the changed atmosphere with a stirring love song. (Somebody identifies it as "Tum To Thehre Pardesi, Saath Kya Nibhaoge" from the 1996 Bollywood film Raja Hindustani.) And as though the minstrel herself were a divine herald, it suddenly starts to rain. The train has run smack into the monsoon. As we near the final stretch, I realise the train, despite its cramped discomfort, has taken on a homelike quality. Back at my own berth, I run into M again. No, he says, I may not drive the train. He won't even let me visit the engine room. "The driver is very busy," he says. I'm sad, not because I actually expected to sit in the driver's seat, but because I realise this journey might actually be ending too soon. On the third and final day, we awake to the verdant hills of Tamil Nadu and the riot of colours that mark the deep south. Orange-red flowers explode like fireworks on the tree known as "flame of the forest" alongside houses painted in a palette of pastel shades. Cutting back across the peninsula to the western coast, the train bursts through the Palakkad Gap, the only break in the Western Ghats, the mountain range that isolates the rural wetlands of Kerala from the Tamil hinterland. I celebrate our entry into Kerala with pazhampuri, the speciality of Palakkad station: bananas battered and deep-fried, sweet with a hint of cinnamon. As we barrel down the Keralan coast - backwater habitations coming right up to the tracks amid forests of coconut palms and banana trees, hung laundry trying desperately to dry in the damp air - it seems the entire world has become a conspiracy of green. We pull into Kanyakumari a few minutes early, about 10.25pm, and crash at a $4-a-night pilgrim's lodge facing the sea, just 500m from where the Arabian Sea meets the Bay of Bengal. All of Kanyakumari is a swirl of pilgrims' colours the next morning as we mingle at the seaside with visitors from across India, including the Goswamis, the Lakheras and the Lodhis. On an island off the cape, a massive statue of the Tamil poet Thiruvalluvar makes a dramatic stand in the fog as the restive waters beat upon the rocks at the subcontinent's tip. The song of the wandering minstrel still echoes in my head, though it's only later that I find out what the words mean. "You're just a visitor," the singer asks her beloved. "What kind of companionship can you offer?" Looking out at the Indian Ocean with over a billion voices to my back, the question weighs heavily, for the breadth of India is such that no foreigner can ever make more than a passing acquaintance - not in a lifetime, not in several. Passengers on the Himsagar Express barely scratch the surface of the many worlds it crosses, but the reverse is hardly true, for the traveller himself is smitten to the core. travel@thenational.ae

Ten10 Cricket League

Venue and schedule Sharjah Cricket Stadium, December 14 to 17

Teams

Maratha Arabians Leading player: Virender Sehwag; Top picks: Mohammed Amir, Imad Wasim; UAE players: Shaiman Anwar, Zahoor Khan

Bengal Lions Leading player: Sarfraz Ahmed; Top picks: Sunil Narine, Mustafizur Rahman; UAE players: Mohammed Naveed, Rameez Shahzad

Kerala Kings Leading player: Eoin Morgan; Top picks: Kieron Pollard, Sohail Tanvir; UAE players: Rohan Mustafa, Imran Haider

Pakhtoons Leading player: Shahid Afridi; Top picks: Fakhar Zaman, Tamim Iqbal; UAE players: Amjad Javed, Saqlain Haider

Punjabi Legends Leading player: Shoaib Malik; Top picks: Hasan Ali, Chris Jordan; UAE players: Ghulam Shabber, Shareef Asadullah

Team Sri Lanka Cricket Will be made up of Colombo players who won island’s domestic limited-overs competition

MATCH INFO

Manchester City 3
Danilo (16'), Bernardo Silva (34'), Fernandinho (72')

Brighton & Hove Albion 1
Ulloa (20')

If you go

The flights

There are direct flights from Dubai to Sofia with FlyDubai (www.flydubai.com) and Wizz Air (www.wizzair.com), from Dh1,164 and Dh822 return including taxes, respectively.

The trip

Plovdiv is 150km from Sofia, with an hourly bus service taking around 2 hours and costing $16 (Dh58). The Rhodopes can be reached from Sofia in between 2-4hours.

The trip was organised by Bulguides (www.bulguides.com), which organises guided trips throughout Bulgaria. Guiding, accommodation, food and transfers from Plovdiv to the mountains and back costs around 170 USD for a four-day, three-night trip.

 

The specs: 2018 Chevrolet Trailblazer

Price, base / as tested Dh99,000 / Dh132,000

Engine 3.6L V6

Transmission: Six-speed automatic

Power 275hp @ 6,000rpm

Torque 350Nm @ 3,700rpm

Fuel economy combined 12.2L / 100km

Five%20calorie-packed%20Ramadan%20drinks
%3Cp%3E%3Cstrong%3ERooh%20Afza%3C%2Fstrong%3E%0D%3Cbr%3E100ml%20contains%20414%20calories%0D%3Cbr%3E%3Cstrong%3ETang%20orange%20drink%3C%2Fstrong%3E%0D%3Cbr%3E100ml%20serving%20contains%20300%20calories%0D%3Cbr%3E%3Cstrong%3ECarob%20beverage%20mix%3C%2Fstrong%3E%0D%3Cbr%3E100ml%20serving%20contains%20about%20300%20calories%0D%3Cbr%3E%3Cstrong%3EQamar%20Al%20Din%20apricot%20drink%3C%2Fstrong%3E%0D%3Cbr%3E100ml%20saving%20contains%2061%20calories%0D%3Cbr%3E%3Cstrong%3EVimto%20fruit%20squash%3C%2Fstrong%3E%0D%3Cbr%3E100ml%20serving%20contains%2030%20calories%3C%2Fp%3E%0A
Company Profile

Name: Thndr
Started: 2019
Co-founders: Ahmad Hammouda and Seif Amr
Sector: FinTech
Headquarters: Egypt
UAE base: Hub71, Abu Dhabi
Current number of staff: More than 150
Funds raised: $22 million

Pros%20and%20cons%20of%20BNPL
%3Cp%3E%3Cstrong%3EPros%3C%2Fstrong%3E%0D%3C%2Fp%3E%0A%3Cul%3E%0A%3Cli%3EEasy%20to%20use%20and%20require%20less%20rigorous%20credit%20checks%20than%20traditional%20credit%20options%0D%3C%2Fli%3E%0A%3Cli%3EOffers%20the%20ability%20to%20spread%20the%20cost%20of%20purchases%20over%20time%2C%20often%20interest-free%0D%3C%2Fli%3E%0A%3Cli%3EConvenient%20and%20can%20be%20integrated%20directly%20into%20the%20checkout%20process%2C%20useful%20for%20online%20shopping%0D%3C%2Fli%3E%0A%3Cli%3EHelps%20facilitate%20cash%20flow%20planning%20when%20used%20wisely%0D%3C%2Fli%3E%0A%3C%2Ful%3E%0A%3Cp%3E%3Cstrong%3ECons%3C%2Fstrong%3E%3C%2Fp%3E%0A%3Cul%3E%0A%3Cli%3EThe%20ease%20of%20making%20purchases%20can%20lead%20to%20overspending%20and%20accumulation%20of%20debt%0D%3C%2Fli%3E%0A%3Cli%3EMissing%20payments%20can%20result%20in%20hefty%20fees%20and%2C%20in%20some%20cases%2C%20high%20interest%20rates%20after%20an%20initial%20interest-free%20period%0D%3C%2Fli%3E%0A%3Cli%3EFailure%20to%20make%20payments%20can%20impact%20credit%20score%20negatively%0D%3C%2Fli%3E%0A%3Cli%3ERefunds%20can%20be%20complicated%20and%20delayed%0D%3C%2Fli%3E%0A%3C%2Ful%3E%0A%3Cp%3E%3Cem%3ECourtesy%3A%20Carol%20Glynn%3C%2Fem%3E%3C%2Fp%3E%0A
The story in numbers

18

This is how many recognised sects Lebanon is home to, along with about four million citizens

450,000

More than this many Palestinian refugees are registered with UNRWA in Lebanon, with about 45 per cent of them living in the country’s 12 refugee camps

1.5 million

There are just under 1 million Syrian refugees registered with the UN, although the government puts the figure upwards of 1.5m

73

The percentage of stateless people in Lebanon, who are not of Palestinian origin, born to a Lebanese mother, according to a 2012-2013 study by human rights organisation Frontiers Ruwad Association

18,000

The number of marriages recorded between Lebanese women and foreigners between the years 1995 and 2008, according to a 2009 study backed by the UN Development Programme

77,400

The number of people believed to be affected by the current nationality law, according to the 2009 UN study

4,926

This is how many Lebanese-Palestinian households there were in Lebanon in 2016, according to a census by the Lebanese-Palestinian dialogue committee

Things Heard & Seen

Directed by: Shari Springer Berman, Robert Pulcini

Starring: Amanda Seyfried, James Norton

2/5

Children who witnessed blood bath want to help others

Aged just 11, Khulood Al Najjar’s daughter, Nora, bravely attempted to fight off Philip Spence. Her finger was injured when she put her hand in between the claw hammer and her mother’s head.

As a vital witness, she was forced to relive the ordeal by police who needed to identify the attacker and ensure he was found guilty.

Now aged 16, Nora has decided she wants to dedicate her career to helping other victims of crime.

“It was very horrible for her. She saw her mum, dying, just next to her eyes. But now she just wants to go forward,” said Khulood, speaking about how her eldest daughter was dealing with the trauma of the incident five years ago. “She is saying, 'mama, I want to be a lawyer, I want to help people achieve justice'.”

Khulood’s youngest daughter, Fatima, was seven at the time of the attack and attempted to help paramedics responding to the incident.

“Now she wants to be a maxillofacial doctor,” Khulood said. “She said to me ‘it is because a maxillofacial doctor returned your face, mama’. Now she wants to help people see themselves in the mirror again.”

Khulood’s son, Saeed, was nine in 2014 and slept through the attack. While he did not witness the trauma, this made it more difficult for him to understand what had happened. He has ambitions to become an engineer.

Company%20profile
%3Cp%3E%3Cstrong%3ECompany%20name%3A%20%3C%2Fstrong%3EXare%C2%A0%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarted%3A%20%3C%2Fstrong%3EJanuary%2018%2C%202021%C2%A0%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFounders%3A%20%3C%2Fstrong%3EPadmini%20Gupta%2C%20Milind%20Singh%2C%20Mandeep%20Singh%C2%A0%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EDubai%C2%A0%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ESector%3A%20%3C%2Fstrong%3EFinTech%C2%A0%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFunds%20Raised%3A%20%3C%2Fstrong%3E%2410%20million%C2%A0%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ECurrent%20number%20of%20staff%3A%20%3C%2Fstrong%3E28%C2%A0%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EInvestment%20stage%3A%20%3C%2Fstrong%3Eundisclosed%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EInvestors%3A%20%3C%2Fstrong%3EMS%26amp%3BAD%20Ventures%2C%20Middle%20East%20Venture%20Partners%2C%20Astra%20Amco%2C%20the%20Dubai%20International%20Financial%20Centre%2C%20Fintech%20Fund%2C%20500%20Startups%2C%20Khwarizmi%20Ventures%2C%20and%20Phoenician%20Funds%3C%2Fp%3E%0A
MATCH INFO

Real Madrid 2

Vinicius Junior (71') Mariano (90 2')

Barcelona 0

Profile of Foodics

Founders: Ahmad AlZaini and Mosab AlOthmani

Based: Riyadh

Sector: Software

Employees: 150

Amount raised: $8m through seed and Series A - Series B raise ongoing

Funders: Raed Advanced Investment Co, Al-Riyadh Al Walid Investment Co, 500 Falcons, SWM Investment, AlShoaibah SPV, Faith Capital, Technology Investments Co, Savour Holding, Future Resources, Derayah Custody Co.

CHATGPT%20ENTERPRISE%20FEATURES
%3Cp%3E%E2%80%A2%20Enterprise-grade%20security%20and%20privacy%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Unlimited%20higher-speed%20GPT-4%20access%20with%20no%20caps%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Longer%20context%20windows%20for%20processing%20longer%20inputs%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Advanced%20data%20analysis%20capabilities%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Customisation%20options%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Shareable%20chat%20templates%20that%20companies%20can%20use%20to%20collaborate%20and%20build%20common%20workflows%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Analytics%20dashboard%20for%20usage%20insights%3C%2Fp%3E%0A%3Cp%3E%E2%80%A2%20Free%20credits%20to%20use%20OpenAI%20APIs%20to%20extend%20OpenAI%20into%20a%20fully-custom%20solution%20for%20enterprises%3C%2Fp%3E%0A
The specs

Engine: 1.5-litre 4-cyl turbo

Power: 194hp at 5,600rpm

Torque: 275Nm from 2,000-4,000rpm

Transmission: 6-speed auto

Price: from Dh155,000

On sale: now

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.”

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Overview

What: The Arab Women’s Sports Tournament is a biennial multisport event exclusively for Arab women athletes.

When: From Sunday, February 2, to Wednesday, February 12.

Where: At 13 different centres across Sharjah.

Disciplines: Athletics, archery, basketball, fencing, Karate, table tennis, shooting (rifle and pistol), show jumping and volleyball.

Participating countries: Algeria, Bahrain, Comoros, Egypt, Iraq, Jordan, Kuwait, Lebanon, Libya, Morocco, Oman, Palestine, Saudi Arabia, Sudan, Syria, Tunisia, Qatar and UAE.

Brief scores:

Kashima Antlers 0

River Plate 4

Zuculini 24', Martinez 73', 90 2', Borre 89' (pen)

MATCH INFO

Liverpool 2 (Van Dijk 18', 24')

Brighton 1 (Dunk 79')

Red card: Alisson (Liverpool)

Landfill in numbers

• Landfill gas is composed of 50 per cent methane

• Methane is 28 times more harmful than Co2 in terms of global warming

• 11 million total tonnes of waste are being generated annually in Abu Dhabi

• 18,000 tonnes per year of hazardous and medical waste is produced in Abu Dhabi emirate per year

• 20,000 litres of cooking oil produced in Abu Dhabi’s cafeterias and restaurants every day is thrown away

• 50 per cent of Abu Dhabi’s waste is from construction and demolition

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.

Results

5pm: Maiden (PA) Dh80,000 (Turf) 2,200m, Winner: Zalman, Pat Cosgrave (jockey), Helal Al Alawi (trainer)

5.30pm: Maiden (PA) Dh80,000 (T) 1,600m, Winner: Hisham Al Khalediah II, Fernando Jara, Mohamed Daggash.

6pm: Handicap (PA) Dh85,000 (T) 1,600m, Winner: Qader, Adrie de Vries, Jean de Roualle

6.30pm: Abu Dhabi Championship Listed (PA) Dh180,000 (T) 1,600m, Winner: Mujeeb, Fabrice Veron, Eric Lemartinel

7pm: Wathba Stallions Cup Handicap (PA) Dh70,000 (T) 1,600m, Winner: AF Majalis, Tadhg O’Shea, Ernst Oertel

7.30pm: Handicap (TB) Dh90,000 (T) 1,600m, Winner: Shanaghai City, Fabrice Veron, Rashed Bouresly

8pm: Handicap (TB) Dh100,000 (T) 1,400m, Winner: Nayslayer, Bernardo Pinheiro, Jaber Ramadhan

SQUADS

South Africa:
Faf du Plessis (capt), Hashim Amla, Temba Bavuma, Farhaan Behardien, Quinton de Kock (wkt), AB de Villiers, JP Duminy, Imran Tahir, David Miller, Wayne Parnell, Dane Paterson, Andile Phehlukwayo, Dwaine Pretorius, Kagiso Rabada
Coach: Ottis Gibson

Bangladesh:
Mashrafe Mortaza (capt), Imrul Kayes, Liton Das (wkt), Mahmudullah, Mehidy Hasan, Mohammad Saifuddin, Mominul Haque, Mushfiqur Rahim (wkt), Mustafizur Rahman, Nasir Hossain, Rubel Hossain, Sabbir Rahman, Shakib Al Hasan, Soumya Sarkar, Tamim Iqbal, Taskin Ahmed.
Coach: Chandika Hathurusingha

Islamophobia definition

A widely accepted definition was made by the All Party Parliamentary Group on British Muslims in 2019: “Islamophobia is rooted in racism and is a type of racism that targets expressions of Muslimness or perceived Muslimness.” It further defines it as “inciting hatred or violence against Muslims”.

'Joker'

Directed by: Todd Phillips

Starring: Joaquin Phoenix

Rating: Five out of five stars

The specs: 2018 Nissan 370Z Nismo

The specs: 2018 Nissan 370Z Nismo
Price, base / as tested: Dh182,178
Engine: 3.7-litre V6
Power: 350hp @ 7,400rpm
Torque: 374Nm @ 5,200rpm
Transmission: Seven-speed automatic
​​​​​​​Fuel consumption, combined: 10.5L / 100km

Fatherland

Kele Okereke

(BMG)

Company profile

Date started: December 24, 2018

Founders: Omer Gurel, chief executive and co-founder and Edebali Sener, co-founder and chief technology officer

Based: Dubai Media City

Number of employees: 42 (34 in Dubai and a tech team of eight in Ankara, Turkey)

Sector: ConsumerTech and FinTech

Cashflow: Almost $1 million a year

Funding: Series A funding of $2.5m with Series B plans for May 2020

Company profile

Name: Steppi

Founders: Joe Franklin and Milos Savic

Launched: February 2020

Size: 10,000 users by the end of July and a goal of 200,000 users by the end of the year

Employees: Five

Based: Jumeirah Lakes Towers, Dubai

Financing stage: Two seed rounds – the first sourced from angel investors and the founders' personal savings

Second round raised Dh720,000 from silent investors in June this year

Our family matters legal consultant

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

Emergency

Director: Kangana Ranaut

Stars: Kangana Ranaut, Anupam Kher, Shreyas Talpade, Milind Soman, Mahima Chaudhry 

Rating: 2/5

MATCH INFO

 

Maratha Arabians 107-8 (10 ovs)

Lyth 21, Lynn 20, McClenaghan 20 no

Qalandars 60-4 (10 ovs)

Malan 32 no, McClenaghan 2-9

Maratha Arabians win by 47 runs

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
What sanctions would be reimposed?

Under ‘snapback’, measures imposed on Iran by the UN Security Council in six resolutions would be restored, including:

  • An arms embargo
  • A ban on uranium enrichment and reprocessing
  • A ban on launches and other activities with ballistic missiles capable of delivering nuclear weapons, as well as ballistic missile technology transfer and technical assistance
  • A targeted global asset freeze and travel ban on Iranian individuals and entities
  • Authorisation for countries to inspect Iran Air Cargo and Islamic Republic of Iran Shipping Lines cargoes for banned goods