The biggest question on everyone’s mind is whether they can truly afford to retire comfortably in the UAE, as living costs keep rising. The next thought is how much you need to sustain yourself during retirement.
However, most financial experts point out that there’s no one-size-fits-all number, it varies depending on lifestyle expectations.
A good rule of thumb is your desired annual income multiplied by 25. For example, if you want $40,000 (Dh146,900) a year in retirement, you will need a retirement pot of $1 million, recommends Josh Clancey, head of technical at Indigo Financial Analysis and Consultancy.
“Generally, my clients want Dh20,000 to Dh40,000 a month to retire on. This would include living in a property they own and includes insurance as well. The retirement income will generally come from rental income and/or having a retirement pot of money that they can draw from,” he says.
Breaking it down further, Jay Adrian Tolentino, a financial coach in the UAE, instructs people to multiply their monthly expenses by 12 to arrive at their annual cost, then factor in any income they will receive during retirement such as pensions, from business, or rental income. The remaining shortfall is what their investments will need to cover, he says.
“For example, if you expect to spend Dh180,000 a year and receive Dh36,000 annually from other income sources, you’ll need your portfolio to provide Dh144,000 per year,” Mr Tolentino explains. “Using a 4 per cent withdrawal rate, that means you’d target a retirement fund of around Dh3.6 million.”
This estimate is based on the “4 per cent rule” that a study by financial planner William Bengen laid out in the 1990s.
What is safe withdrawal rate?
Safe withdrawal rate (SWR) is the percentage of a retirement portfolio that a person can withdraw each year without running out of money. The global SWR is 4 per cent.
Most planners today use 3 per cent to 4 per cent as a safer range for annual withdrawals, given longer lifespans and inflation, Mr Tolentino says.
For example, if you have Dh5 million invested, a 3.5 per cent withdrawal rate gives you about Dh175,000 per year, or Dh14,500 per month.
Carol Glynn, founder of Conscious Finance Coaching, suggests establishing a target monthly “required income” during retirement and then working back to how much savings and investment are needed to generate that income when retired.
The UAE’s retirement visa offers five-year renewable residency for those who qualify. Eligibility is typically based on age and meeting certain financial criteria such as savings, property ownership or regular income.
For a person to be eligible, they must either have worked for not less than 15 years within or outside the UAE, or be aged 55 or older at the time of retirement; own a property/properties worth no less than Dh1 million; have savings of no less than Dh1 million; or have a monthly income of Dh20,000 (Dh15,000 a month for Dubai).
There is no state pension for expats in the Emirates. Income must be built from private savings, workplace schemes, investments and any foreign private and state pensions earned before moving.
Non-Emirati employees have their end-of-service entitlements covered by the UAE’s gratuity programme. Gratuities are lump-sum payments to which all employed residents are entitled after completing at least one year of service. The amount depends on an employee’s length of service and basic salary.
But end-of-service gratuity is not a pension and is usually not enough to fund even a year of expenses. It is, therefore, important for expats to save and invest their gratuity payments towards their long-term goals, experts say.
Budget for expenses vs income
Alex Salter, head of commercial development and senior financial planner at Metis, a DIFC-based wealth adviser, says that to build an accurate cash-flow forecast, you need a detailed summary of expenses, including private health care, which typically increases with age. Whether a client rents or owns their property makes a huge difference as well. Being mortgage-free means your fixed outgoings are lower, meaning the income needed to retire could be less, he explains.
“A detailed summary of all income and investments is also needed, including any state pensions you may have in other countries. Gathering all this detail and putting it on to proper projections using technology gives a very visual way of seeing wealth,” Mr Salter adds.
He also recommends those planning to retire in the UAE to consider which inflation rate to use when determining how much they need. This will help ensure they do not understate the effect of inflation and, therefore, the amount they need at the outset of retirement to sustain their lifestyle over the long term.
However, Ms Glynn warns that cost of living in the UAE is higher than many “lower-cost retirement countries”, so naturally your retirement pot needs to be larger compared to retiring in a lower-cost region.
Mr Tolentino explains that a well-diversified global portfolio earning around 5 per cent to 7 per cent per year can support a long-term withdrawal rate of 3 per cent to 4 per cent. The longer your retirement horizon, the more conservative you should be with your assumptions, he says.
Determining factors
To break it down, these include your housing choice (renting vs owning), lifestyle expectations (comfortable vs modest vs luxury), health care and insurance, cost of living, currency and exchange rate risks (if you have savings or income denominated elsewhere), length of retirement, return on investments and residency/visa and location decisions, Ms Glynn says.
The higher the expected cost of living (housing + insurance + maintenance), the higher your retirement amount target must be.
Bucket list items – such as a six-month cruise, flying first-class twice a year, paying for your child’s wedding, helping them on to the property ladder, buying the watch you’ve always wanted – will also impact the figure needed to sustain retirement, Mr Clancey warns.
“Keeping up with the Joneses is a genuine problem for expats. Monetary inflation is more of a concern – if inflation is running at 3 per cent to 4 per cent a year, your purchasing power is essentially halved every 18 to 24 years,” he says.
“Some people need to plan for a 40-year retirement – meaning your purchasing power will only be a quarter of what it is today [assuming inflation runs between 3 per cent and 4 per cent].
“People think keeping money in cash is the safest thing to do, when it’s potentially the most dangerous.”
Mistakes to avoid
The biggest mistake is underestimating the required investment pot on retirement. Many think “Dh2 million to Dh3 million will cover me” without modelling length of retirement, inflation and rising health costs, Ms Glynn says.
Other mistakes include relying on employer pension or state benefits, ignoring inflation and future cost increases, failing to save and invest early, overemphasising property as the only asset, ignoring lifestyle creep post-retirement and neglecting withdrawal strategy and longevity risk, she warns.
“A lot of people delay investing because they think they’ll start later or once they go back home. Others keep too much money in savings accounts instead of letting it grow. Some buy expensive insurance-linked plans that eat up returns through high fees,” Mr Tolentino highlights.
“Another common mistake is not understanding how much they actually need or not factoring in all income sources and inflation. Without a clear number or plan, it’s easy to end up underfunded when you stop working.”
Mr Salter says there is no point planning for retirement in one country if you end up retiring in another. Different countries have different rules and what may have been a tax-efficient investment may now not be.
Holding assets in the wrong currency for future spending is a common mistake. “We meet a lot of people who are planning to remain UAE residents, even after they finish employment, but their investments may be in GBP or EUR, which is opening yourself up to foreign exchange issues,” he warns.
Don’t chase the hype and educate yourself from reliable sources, says Mr Clancey. He suggests speaking only to qualified professionals who are regulated or licensed by The Abu Dhabi Global Market, Dubai International Financial Centre, Insurance Authority or the Securities and Commodities Authority.
Mr Salter advises expats to ensure their estate planning is in order. Make sure to have a valid UAE will and any wills made in countries where they hold assets to ensure there is no drawn-out probate process for beneficiaries, he suggests.
Investment options
Mr Tolentino suggests people to start with simple, regulated options such as National Bonds or UAE-based robo-advisers such as Sarwa and StashAway.
For those comfortable investing on their own, international brokers like Interactive Brokers provide access to low-cost global exchange-traded funds (ETFs). Real estate can also be part of the plan, but only if the numbers make sense after accounting for maintenance, vacancy and management costs, he suggests.
In the UAE, some options to build a retirement fund include investing in dividend-yielding stocks and ETFs through global brokers, real estate investment trusts, owning a property (consider liquidity, maintenance costs and market risk), fixed deposits or business/entrepreneurial income, Ms Glynn says.
PROVISIONAL FIXTURE LIST
Premier League
Wednesday, June 17 (Kick-offs uae times) Aston Villa v Sheffield United 9pm; Manchester City v Arsenal 11pm
Friday, June 19 Norwich v Southampton 9pm; Tottenham v Manchester United 11pm
Saturday, June 20 Watford v Leicester 3.30pm; Brighton v Arsenal 6pm; West Ham v Wolves 8.30pm; Bournemouth v Crystal Palace 10.45pm
Sunday, June 21 Newcastle v Sheffield United 2pm; Aston Villa v Chelsea 7.30pm; Everton v Liverpool 10pm
Monday, June 22 Manchester City v Burnley 11pm (Sky)
Tuesday, June 23 Southampton v Arsenal 9pm; Tottenham v West Ham 11.15pm
Wednesday, June 24 Manchester United v Sheffield United 9pm; Newcastle v Aston Villa 9pm; Norwich v Everton 9pm; Liverpool v Crystal Palace 11.15pm
Thursday, June 25 Burnley v Watford 9pm; Leicester v Brighton 9pm; Chelsea v Manchester City 11.15pm; Wolves v Bournemouth 11.15pm
Sunday June 28 Aston Villa vs Wolves 3pm; Watford vs Southampton 7.30pm
Monday June 29 Crystal Palace vs Burnley 11pm
Tuesday June 30 Brighton vs Manchester United 9pm; Sheffield United vs Tottenham 11.15pm
Wednesday July 1 Bournemouth vs Newcastle 9pm; Everton vs Leicester 9pm; West Ham vs Chelsea 11.15pm
Thursday July 2 Arsenal vs Norwich 9pm; Manchester City vs Liverpool 11.15pm
The%20Iron%20Claw
%3Cp%3E%3Cstrong%3EDirector%3A%3C%2Fstrong%3E%20Sean%20Durkin%C2%A0%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarring%3A%3C%2Fstrong%3E%20Zac%20Efron%2C%20Jeremy%20Allen%20White%2C%20Harris%20Dickinson%2C%20Maura%20Tierney%2C%20Holt%20McCallany%2C%20Lily%20James%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%204%2F5%3C%2Fp%3E%0A
COMPANY PROFILE
Company name: SimpliFi
Started: August 2021
Founder: Ali Sattar
Based: UAE
Industry: Finance, technology
Investors: 4DX, Rally Cap, Raed, Global Founders, Sukna and individuals
Company%20Profile
%3Cp%3E%3Cstrong%3EName%3A%3C%2Fstrong%3E%20HyveGeo%3Cbr%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%202023%3Cbr%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20Abdulaziz%20bin%20Redha%2C%20Dr%20Samsurin%20Welch%2C%20Eva%20Morales%20and%20Dr%20Harjit%20Singh%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3ECambridge%20and%20Dubai%3Cbr%3E%3Cstrong%3ENumber%20of%20employees%3A%3C%2Fstrong%3E%208%3Cbr%3E%3Cstrong%3EIndustry%3A%20%3C%2Fstrong%3ESustainability%20%26amp%3B%20Environment%3Cbr%3E%3Cstrong%3EFunding%3A%20%3C%2Fstrong%3E%24200%2C000%20plus%20undisclosed%20grant%3Cbr%3E%3Cstrong%3EInvestors%3A%20%3C%2Fstrong%3EVenture%20capital%20and%20government%3C%2Fp%3E%0A
Groom and Two Brides
Director: Elie Semaan
Starring: Abdullah Boushehri, Laila Abdallah, Lulwa Almulla
Rating: 3/5
Read more about the coronavirusTHE LOWDOWNRomeo Akbar Walter
Rating: 2/5 stars
Produced by: Dharma Productions, Azure Entertainment
Directed by: Robby Grewal
Cast: John Abraham, Mouni Roy, Jackie Shroff and Sikandar Kher
Specs
Engine: 51.5kW electric motor
Range: 400km
Power: 134bhp
Torque: 175Nm
Price: From Dh98,800
Available: Now
The bio
Job: Coder, website designer and chief executive, Trinet solutions
School: Year 8 pupil at Elite English School in Abu Hail, Deira
Role Models: Mark Zuckerberg and Elon Musk
Dream City: San Francisco
Hometown: Dubai
City of birth: Thiruvilla, Kerala
Match info
Manchester United 4
(Pogba 5′, 33′, Rashford 45′, Lukaku 72′)
Bournemouth 1
(Ake 45 2′)
Red card: Eric Bailly (Manchester United)
Drishyam 2
Directed by: Jeethu Joseph
Starring: Mohanlal, Meena, Ansiba, Murali Gopy
Rating: 4 stars
Wicked: For Good
Director: Jon M Chu
Starring: Ariana Grande, Cynthia Erivo, Jonathan Bailey, Jeff Goldblum, Michelle Yeoh, Ethan Slater
Rating: 4/5
The five pillars of IslamPaatal Lok season two
Directors: Avinash Arun, Prosit Roy
Stars: Jaideep Ahlawat, Ishwak Singh, Lc Sekhose, Merenla Imsong
Rating: 4.5/5
RESULTS
Dubai Kahayla Classic – Group 1 (PA) $750,000 (Dirt) 2,000m
Winner: Deryan, Ioritz Mendizabal (jockey), Didier Guillemin (trainer).
Godolphin Mile – Group 2 (TB) $750,000 (D) 1,600m
Winner: Secret Ambition, Tadhg O’Shea, Satish Seemar
Dubai Gold Cup – Group 2 (TB) $750,000 (Turf) 3,200m
Winner: Subjectivist, Joe Fanning, Mark Johnston
Al Quoz Sprint – Group 1 (TB) $1million (T) 1,200m
Winner: Extravagant Kid, Ryan Moore, Brendan Walsh
UAE Derby – Group 2 (TB) $750,000 (D) 1,900m
Winner: Rebel’s Romance, William Buick, Charlie Appleby
Dubai Golden Shaheen – Group 1 (TB) $1.5million (D) 1,200m
Winner: Zenden, Antonio Fresu, Carlos David
Dubai Turf – Group 1 (TB) $4million (T) 1,800m
Winner: Lord North, Frankie Dettori, John Gosden
Dubai Sheema Classic – Group 1 (TB) $5million (T) 2,410m
Winner: Mishriff, John Egan, John Gosden
SPEC%20SHEET%3A%20SAMSUNG%20GALAXY%20S24%20ULTRA
%3Cp%3E%3Cstrong%3EDisplay%3A%3C%2Fstrong%3E%206.8%22%20quad-HD%2B%20dynamic%20Amoled%202X%2C%203120%20x%201440%2C%20505ppi%2C%20HDR10%2B%2C%20120Hz%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EProcessor%3A%3C%2Fstrong%3E%204nm%20Qualcomm%20Snapdragon%208%20Gen%203%2C%2064-bit%20octa-core%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMemory%3A%3C%2Fstrong%3E%2012GB%20RAM%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStorage%3A%3C%2Fstrong%3E%20256%2F512GB%20%2F%201TB%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EPlatform%3A%3C%2Fstrong%3E%20Android%2014%2C%20One%20UI%206.1%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EMain%20camera%3A%3C%2Fstrong%3E%20quad%20200MP%20wide%20f%2F1.7%20%2B%2050MP%20periscope%20telephoto%20f%2F3.4%20with%205x%20optical%2F10x%20optical%20quality%20zoom%20%2B%2010MP%20telephoto%202.4%20with%203x%20optical%20zoom%20%2B%2012MP%20ultra-wide%20f%2F2.2%3B%20100x%20Space%20Zoom%3B%20auto%20HDR%2C%20expert%20RAW%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EVideo%3A%3C%2Fstrong%3E%208K%4024%2F30fps%2C%204K%4030%2F60%2F120fps%2C%20full-HD%4030%2F60%2F240fps%2C%20full-HD%20super%20slo-mo%40960fps%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFront%20camera%3A%3C%2Fstrong%3E%2012MP%20f%2F2.2%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EBattery%3A%3C%2Fstrong%3E%205000mAh%2C%20fast%20wireless%20charging%202.0%2C%20Wireless%20PowerShare%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EConnectivity%3A%3C%2Fstrong%3E%205G%2C%20Wi-Fi%2C%20Bluetooth%205.3%2C%20NFC%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EI%2FO%3A%3C%2Fstrong%3E%20USB-C%3B%20built-in%20Galaxy%20S%20Pen%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EDurability%3A%3C%2Fstrong%3E%20IP68%2C%20up%20to%201.5m%20of%20freshwater%20up%20to%2030%20minutes%3B%20dust-resistant%26nbsp%3B%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ESIM%3A%3C%2Fstrong%3E%20Nano%20%2B%20nano%20%2F%20nano%20%2B%20eSIM%20%2F%20dual%20eSIM%20(varies%20in%20different%20markets)%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EColours%3A%3C%2Fstrong%3E%20Titanium%20black%2C%20titanium%20grey%2C%20titanium%20violet%2C%20titanium%20yellow%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EIn%20the%20box%3A%20%3C%2Fstrong%3EGalaxy%20S24%20Ultra%2C%20USB-C-to-C%20cable%26nbsp%3B%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EPrice%3A%3C%2Fstrong%3E%20Dh5%2C099%20for%20256GB%2C%20Dh5%2C599%20for%20512GB%2C%20Dh6%2C599%20for%201TB%3C%2Fp%3E%0A
TEACHERS’ PAY – WHAT YOU NEED TO KNOW
Pay varies significantly depending on the school, its rating and the curriculum. Here’s a rough guide as of January 2021:
– top end schools tend to pay Dh16,000-17,000 a month – plus a monthly housing allowance of up to Dh6,000. These tend to be British curriculum schools rated ‘outstanding’ or ‘very good’, followed by American schools
– average salary across curriculums and skill levels is about Dh10,000, recruiters say
– it is becoming more common for schools to provide accommodation, sometimes in an apartment block with other teachers, rather than hand teachers a cash housing allowance
– some strong performing schools have cut back on salaries since the pandemic began, sometimes offering Dh16,000 including the housing allowance, which reflects the slump in rental costs, and sheer demand for jobs
– maths and science teachers are most in demand and some schools will pay up to Dh3,000 more than other teachers in recognition of their technical skills
– at the other end of the market, teachers in some Indian schools, where fees are lower and competition among applicants is intense, can be paid as low as Dh3,000 per month
– in Indian schools, it has also become common for teachers to share residential accommodation, living in a block with colleagues
Representing%20UAE%20overseas
%3Cp%3E%0DIf%20Catherine%20Richards%20debuts%20for%20Wales%20in%20the%20Six%20Nations%2C%20she%20will%20be%20the%20latest%20to%20have%20made%20it%20from%20the%20UAE%20to%20the%20top%20tier%20of%20the%20international%20game%20in%20the%20oval%20ball%20codes.%0D%3Cbr%3E%20%0D%3Cbr%3E%3Cstrong%3ESeren%20Gough-Walters%20(Wales%20rugby%20league)%3C%2Fstrong%3E%0D%3Cbr%3EBorn%20in%20Dubai%2C%20raised%20in%20Sharjah%2C%20and%20once%20an%20immigration%20officer%20at%20the%20British%20Embassy%20in%20Abu%20Dhabi%2C%20she%20debuted%20for%20Wales%20in%20rugby%20league%20in%202021.%0D%3Cbr%3E%20%0D%3Cbr%3E%3Cstrong%3ESophie%20Shams%20(England%20sevens)%3C%2Fstrong%3E%0D%3Cbr%3EWith%20an%20Emirati%20father%20and%20English%20mother%2C%20Shams%20excelled%20at%20rugby%20at%20school%20in%20Dubai%2C%20and%20went%20on%20to%20represent%20England%20on%20the%20sevens%20circuit.%20%0D%3Cbr%3E%20%0D%3Cbr%3E%3Cstrong%3EFiona%20Reidy%20(Ireland)%3C%2Fstrong%3E%0D%3Cbr%3EMade%20her%20Test%20rugby%20bow%20for%20Ireland%20against%20England%20in%202015%2C%20having%20played%20for%20four%20years%20in%20the%20capital%20with%20Abu%20Dhabi%20Harlequins%20previously.%0D%3C%2Fp%3E%0A
MATCH INFO
Uefa Champions League semi-finals, second leg:
Liverpool (0) v Barcelona (3), Tuesday, 11pm UAE
Game is on BeIN Sports
White hydrogen: Naturally occurring hydrogenChromite: Hard, metallic mineral containing iron oxide and chromium oxideUltramafic rocks: Dark-coloured rocks rich in magnesium or iron with very low silica contentOphiolite: A section of the earth’s crust, which is oceanic in nature that has since been uplifted and exposed on landOlivine: A commonly occurring magnesium iron silicate mineral that derives its name for its olive-green yellow-green colour
UAE currency: the story behind the money in your pocketsA 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
Washmen Profile
Date Started: May 2015
Founders: Rami Shaar and Jad Halaoui
Based: Dubai, UAE
Sector: Laundry
Employees: 170
Funding: about $8m
Funders: Addventure, B&Y Partners, Clara Ventures, Cedar Mundi Partners, Henkel Ventures
Florida: The critical Sunshine State
Though mostly conservative, Florida is usually always “close” in presidential elections. In most elections, the candidate that wins the Sunshine State almost always wins the election, as evidenced in 2016 when Trump took Florida, a state which has not had a democratic governor since 1991.
Joe Biden’s campaign has spent $100 million there to turn things around, understandable given the state’s crucial 29 electoral votes.
In 2016, Mr Trump’s democratic rival Hillary Clinton paid frequent visits to Florida though analysts concluded that she failed to appeal towards middle-class voters, whom Barack Obama won over in the previous election.
‘The worst thing you can eat’
Trans fat is typically found in fried and baked goods, but you may be consuming more than you think.
Powdered coffee creamer, microwave popcorn and virtually anything processed with a crust is likely to contain it, as this guide from Mayo Clinic outlines:
Baked goods – Most cakes, cookies, pie crusts and crackers contain shortening, which is usually made from partially hydrogenated vegetable oil. Ready-made frosting is another source of trans fat.
Snacks – Potato, corn and tortilla chips often contain trans fat. And while popcorn can be a healthy snack, many types of packaged or microwave popcorn use trans fat to help cook or flavour the popcorn.
Fried food – Foods that require deep frying — french fries, doughnuts and fried chicken — can contain trans fat from the oil used in the cooking process.
Refrigerator dough – Products such as canned biscuits and cinnamon rolls often contain trans fat, as do frozen pizza crusts.
Creamer and margarine – Nondairy coffee creamer and stick margarines also may contain partially hydrogenated vegetable oils.
The years Ramadan fell in May