{"id":151689,"date":"2025-11-21T09:29:07","date_gmt":"2025-11-21T09:29:07","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/151689\/"},"modified":"2025-11-21T09:29:07","modified_gmt":"2025-11-21T09:29:07","slug":"how-much-do-you-need-to-retire-comfortably-in-the-uae","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/151689\/","title":{"rendered":"How much do you need to retire comfortably in the UAE?"},"content":{"rendered":"

The biggest question on everyone\u2019s mind is whether they can truly afford to retire comfortably in the UAE<\/a>, as living costs keep rising. The next thought is how much you need to sustain yourself during retirement.<\/p>\n

However, most financial experts point out that there\u2019s no one-size-fits-all number<\/a>, it varies depending on lifestyle expectations. <\/p>\n

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<\/a> of $1 million, recommends Josh Clancey, head of technical at Indigo Financial Analysis and Consultancy.<\/p>\n

\u201cGenerally, 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,\u201d he says. <\/p>\n

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<\/a> such as pensions, from business, or rental income. The remaining shortfall is what their investments will need to cover, he says. <\/p>\n

\u201cFor example, if you expect to spend Dh180,000 a year and receive Dh36,000 annually from other income sources, you\u2019ll need your portfolio to provide Dh144,000 per year,\u201d Mr Tolentino explains. \u201cUsing a 4 per cent withdrawal rate, that means you\u2019d target a retirement fund of around Dh3.6 million.\u201d<\/p>\n

This estimate is based on the \u201c4 per cent rule\u201d that a study by financial planner William Bengen laid out in the 1990s. <\/p>\n

What is safe withdrawal rate?<\/p>\n

Safe withdrawal rate (SWR) is the percentage of a retirement portfolio<\/a> that a person can withdraw each year without running out of money. The global SWR is 4 per cent.<\/p>\n

Most planners today use 3 per cent to 4 per cent as a safer range for annual withdrawals, given longer lifespans<\/a> and inflation, Mr Tolentino says. <\/p>\n

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.<\/p>\n

Carol Glynn, founder of Conscious Finance Coaching, suggests establishing a target monthly \u201crequired income\u201d during retirement and then working back to how much savings and investment are needed to generate that income when retired.<\/p>\n

The UAE\u2019s retirement visa<\/a> 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.<\/p>\n

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).<\/p>\n

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.<\/p>\n

Non-Emirati employees have their end-of-service entitlements covered by the UAE\u2019s gratuity programme<\/a>. 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\u2019s length of service and basic salary.<\/p>\n

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.<\/p>\n

Budget for expenses vs income<\/p>\n

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<\/a>, which typically increases with age. Whether a client rents or owns their property<\/a> 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.<\/p>\n

\u201cA 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,\u201d Mr Salter adds. <\/p>\n

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.<\/p>\n

However, Ms Glynn warns that cost of living in the UAE is higher than many \u201clower-cost retirement countries\u201d, so naturally your retirement pot needs to be larger compared to retiring in a lower-cost region.<\/p>\n

Mr Tolentino explains that a well-diversified global portfolio<\/a> 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.<\/p>\n

Determining factors <\/p>\n

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<\/a> (if you have savings or income denominated elsewhere), length of retirement, return on investments and residency\/visa and location decisions, Ms Glynn says.<\/p>\n

The higher the expected cost of living (housing + insurance + maintenance), the higher your retirement amount target must be.<\/p>\n

Bucket list items \u2013 such as a six-month cruise<\/a>, flying first-class twice a year, paying for your child\u2019s wedding, helping them on to the property ladder, buying the watch you\u2019ve always wanted \u2013 will also impact the figure needed to sustain retirement, Mr Clancey warns.<\/p>\n

\u201cKeeping up with the Joneses<\/a> is a genuine problem for expats. Monetary inflation is more of a concern \u2013 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,\u201d he says. <\/p>\n

\u201cSome people need to plan for a 40-year retirement \u2013 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]. <\/p>\n

\u201cPeople think keeping money in cash is the safest thing to do, when it\u2019s potentially the most dangerous.\u201d <\/p>\n

Mistakes to avoid<\/p>\n

The biggest mistake is underestimating the required investment pot on retirement<\/a>. Many think \u201cDh2 million to Dh3 million will cover me\u201d without modelling length of retirement, inflation and rising health costs, Ms Glynn says. <\/p>\n

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<\/a> post-retirement and neglecting withdrawal strategy and longevity risk, she warns.<\/p>\n

\u201cA lot of people delay investing because they think they\u2019ll 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<\/a> that eat up returns through high fees,\u201d Mr Tolentino highlights. <\/p>\n

\u201cAnother 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\u2019s easy to end up underfunded when you stop working.\u201d<\/p>\n

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.<\/p>\n

Holding assets in the wrong currency for future spending is a common mistake. \u201cWe 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,\u201d he warns. <\/p>\n

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<\/a>. <\/p>\n

Mr Salter advises expats to ensure their estate planning is in order. Make sure to have a valid UAE will<\/a> and any wills made in countries where they hold assets to ensure there is no drawn-out probate process for beneficiaries, he suggests. <\/p>\n

Investment options<\/p>\n

Mr Tolentino suggests people to start with simple, regulated options such as National Bonds or UAE-based robo-advisers such as Sarwa and StashAway<\/a>. <\/p>\n

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.<\/p>\n

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.<\/p>\n

PROVISIONAL FIXTURE LIST<\/p>\n

Premier League<\/p>\n

Wednesday, June 17 (Kick-offs\u00a0uae times)\u00a0Aston Villa v Sheffield United 9pm;\u00a0Manchester City v Arsenal 11pm\u00a0<\/p>\n

Friday, June 19 Norwich v Southampton 9pm;\u00a0Tottenham v Manchester United 11pm \u00a0<\/p>\n

Saturday, June 20 Watford v Leicester 3.30pm;\u00a0Brighton v Arsenal 6pm;\u00a0West Ham v Wolves 8.30pm;\u00a0Bournemouth v Crystal Palace 10.45pm\u00a0<\/p>\n

Sunday, June 21 Newcastle v Sheffield United 2pm;\u00a0Aston Villa v Chelsea 7.30pm; Everton v Liverpool 10pm\u00a0<\/p>\n

Monday, June 22 Manchester City v Burnley 11pm (Sky)<\/p>\n

Tuesday, June 23 Southampton v Arsenal 9pm;\u00a0Tottenham v West Ham 11.15pm\u00a0<\/p>\n

Wednesday, June 24 Manchester United v Sheffield United 9pm; Newcastle v Aston Villa 9pm; Norwich v Everton 9pm; Liverpool v Crystal Palace 11.15pm<\/p>\n

Thursday, June 25 Burnley v Watford 9pm; Leicester v Brighton 9pm; Chelsea v Manchester City 11.15pm; Wolves v Bournemouth 11.15pm<\/p>\n

Sunday June 28\u00a0Aston Villa vs Wolves 3pm; Watford vs Southampton 7.30pm\u00a0<\/p>\n

Monday June 29\u00a0Crystal Palace vs Burnley 11pm<\/p>\n

Tuesday June 30\u00a0Brighton vs Manchester United 9pm; Sheffield United vs Tottenham 11.15pm\u00a0<\/p>\n

Wednesday July 1\u00a0Bournemouth vs Newcastle 9pm; Everton vs Leicester 9pm; West Ham vs Chelsea 11.15pm<\/p>\n

Thursday July 2\u00a0Arsenal vs Norwich 9pm; Manchester City vs Liverpool 11.15pm<\/p>\n

\u00a0<\/p>\n

The%20Iron%20Claw<\/p>\n

%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<\/p>\n

COMPANY\u00a0PROFILE<\/p>\n

Company\u00a0name:\u00a0SimpliFi<\/p>\n

Started:\u00a0August\u00a02021<\/p>\n

Founder:\u00a0Ali\u00a0Sattar<\/p>\n

Based:\u00a0UAE<\/p>\n

Industry:\u00a0Finance,\u00a0technology<\/p>\n

Investors:\u00a04DX,\u00a0Rally\u00a0Cap,\u00a0Raed,\u00a0Global\u00a0Founders,\u00a0Sukna\u00a0and\u00a0individuals<\/p>\n

Company%20Profile<\/p>\n

%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<\/p>\n

Groom and Two Brides<\/p>\n

Director: Elie Semaan<\/p>\n

Starring: Abdullah Boushehri, Laila Abdallah, Lulwa Almulla<\/p>\n

Rating: 3\/5<\/p>\n

Read more about the coronavirusTHE LOWDOWNRomeo Akbar Walter<\/p>\n

Rating: 2\/5 stars
Produced by: Dharma Productions, Azure Entertainment
Directed by: Robby Grewal
Cast: John Abraham, Mouni Roy,\u00a0Jackie Shroff\u00a0and\u00a0Sikandar Kher\u00a0<\/p>\n

Specs <\/p>\n

Engine: 51.5kW electric motor<\/p>\n

Range: 400km<\/p>\n

Power: 134bhp<\/p>\n

Torque: 175Nm<\/p>\n

Price: From Dh98,800<\/p>\n

Available: Now<\/p>\n

The bio<\/p>\n

Job: Coder, website designer and chief executive, Trinet solutions<\/p>\n

School: Year 8 pupil at Elite English School in Abu Hail, Deira<\/p>\n

Role Models: Mark Zuckerberg and Elon Musk<\/p>\n

Dream City: San Francisco<\/p>\n

Hometown: Dubai<\/p>\n

City of birth: Thiruvilla, Kerala<\/p>\n

Match info<\/p>\n

Manchester United 4
(Pogba\u00a05′, 33′, Rashford\u00a045′, Lukaku\u00a072′)<\/p>\n

Bournemouth 1
(Ake 45 2′)<\/p>\n

Red card: Eric Bailly (Manchester United)<\/p>\n

Drishyam 2<\/p>\n

Directed by: Jeethu Joseph<\/p>\n

Starring: Mohanlal, Meena, Ansiba, Murali Gopy<\/p>\n

Rating: 4 stars<\/p>\n

Wicked: For Good<\/p>\n

Director: Jon M Chu<\/p>\n

Starring: Ariana Grande, Cynthia Erivo, Jonathan Bailey, Jeff Goldblum, Michelle Yeoh, Ethan Slater<\/p>\n

Rating: 4\/5<\/p>\n

The five pillars of IslamPaatal Lok season two<\/p>\n

Directors: Avinash Arun, Prosit Roy\u00a0<\/p>\n

Stars: Jaideep Ahlawat, Ishwak Singh, Lc Sekhose, Merenla Imsong<\/p>\n

Rating: 4.5\/5<\/p>\n

RESULTS<\/p>\n

Dubai Kahayla Classic \u2013 Group 1 (PA) $750,000 (Dirt) 2,000m
Winner: Deryan, Ioritz Mendizabal (jockey), Didier Guillemin (trainer).
Godolphin Mile \u2013 Group 2 (TB) $750,000 (D) 1,600m
Winner: Secret Ambition, Tadhg O\u2019Shea, Satish Seemar
Dubai Gold Cup \u2013 Group 2 (TB) $750,000 (Turf) 3,200m
Winner: Subjectivist, Joe Fanning, Mark Johnston
Al Quoz Sprint \u2013 Group 1 (TB) $1million (T) 1,200m
Winner: Extravagant Kid, Ryan Moore, Brendan Walsh
UAE Derby \u2013 Group 2 (TB) $750,000 (D) 1,900m
Winner: Rebel\u2019s Romance, William Buick, Charlie Appleby
Dubai Golden Shaheen \u2013 Group 1 (TB) $1.5million (D) 1,200m
Winner: Zenden, Antonio Fresu, Carlos David
Dubai Turf \u2013 Group 1 (TB) $4million (T) 1,800m
Winner: Lord North, Frankie Dettori, John Gosden
Dubai Sheema Classic \u2013 Group 1 (TB) $5million (T) 2,410m
Winner: Mishriff, John Egan, John Gosden<\/p>\n

SPEC%20SHEET%3A%20SAMSUNG%20GALAXY%20S24%20ULTRA<\/p>\n

%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<\/p>\n

TEACHERS’ PAY – WHAT YOU NEED TO KNOW<\/p>\n

Pay varies significantly depending on the school, its rating and the curriculum. Here’s a rough guide as of January 2021:<\/p>\n

– 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<\/p>\n

– average salary across curriculums and skill levels is about Dh10,000, recruiters say<\/p>\n

– 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<\/p>\n

– 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<\/p>\n

– 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<\/p>\n

– 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<\/p>\n

– in Indian schools, it has also become common for teachers to share residential accommodation, living in a block with colleagues<\/p>\n

Representing%20UAE%20overseas<\/p>\n

%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<\/p>\n

MATCH INFO<\/p>\n

Uefa Champions League semi-finals, second leg:<\/p>\n

Liverpool (0) v Barcelona (3), Tuesday, 11pm UAE<\/p>\n

Game is on BeIN Sports<\/p>\n

White hydrogen: Naturally occurring hydrogen
Chromite: Hard, metallic mineral containing iron oxide and chromium oxide
Ultramafic rocks: Dark-coloured rocks rich in magnesium or iron with very low silica content
Ophiolite: A section of the earth\u2019s crust, which is oceanic in nature that has since been uplifted and exposed on land
Olivine: A commonly occurring magnesium iron silicate mineral that derives its name for its olive-green yellow-green colour<\/p>\n

UAE currency: the story behind the money in your pocketsA new relationship with the old country<\/p>\n

Treaty of Friendship between the United Kingdom of Great Britain and Northern Ireland and the United Arab Emirates<\/p>\n

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:<\/p>\n

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.<\/p>\n

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.<\/p>\n

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.<\/p>\n

ARTICLE 4 This Treaty shall enter into force on today\u2019s 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.<\/p>\n

IN WITNESS WHEREOF the undersigned have signed this Treaty.<\/p>\n

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.<\/p>\n

Signed<\/p>\n

Geoffrey Arthur\u00a0 Sheikh Zayed<\/p>\n

Washmen Profile<\/p>\n

Date Started: May 2015<\/p>\n

Founders: Rami Shaar and Jad Halaoui<\/p>\n

Based: Dubai, UAE<\/p>\n

Sector: Laundry<\/p>\n

Employees: 170<\/p>\n

Funding: about $8m<\/p>\n

Funders: Addventure, B&Y Partners, Clara Ventures, Cedar Mundi Partners, Henkel Ventures<\/p>\n

Florida: The critical\u00a0Sunshine State<\/p>\n

Though mostly conservative, Florida is usually always \u201cclose\u201d 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.\u00a0<\/p>\n

Joe Biden\u2019s campaign has spent $100 million there to turn things around, understandable given the state\u2019s crucial 29 electoral votes.<\/p>\n

In 2016, Mr Trump\u2019s 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.<\/p>\n

‘The worst thing you can eat’<\/p>\n

Trans fat is typically found in fried and baked goods, but you may be consuming more than you think.<\/p>\n

Powdered coffee creamer, microwave popcorn and virtually anything processed with a crust is likely to contain it, as this guide from Mayo Clinic outlines:\u00a0<\/p>\n

Baked goods –\u00a0Most 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.<\/p>\n

Snacks –\u00a0Potato, 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.<\/p>\n

Fried food –\u00a0Foods that require deep frying \u2014 french fries, doughnuts and fried chicken \u2014 can contain trans fat from the oil used in the cooking process.<\/p>\n

Refrigerator dough –\u00a0Products such as canned biscuits and cinnamon rolls often contain trans fat, as do frozen pizza crusts.<\/p>\n

Creamer and margarine –\u00a0Nondairy coffee creamer and stick margarines also may contain partially hydrogenated vegetable oils.<\/p>\n

The years Ramadan fell in May<\/p>\n","protected":false},"excerpt":{"rendered":"The biggest question on everyone\u2019s mind is whether they can truly afford to retire comfortably in the UAE,…\n","protected":false},"author":2,"featured_media":151690,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[72,7889,176,61,1831,60,1558,174,175,1284,329,3314],"class_list":["post-151689","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-business-team","tag-finance","tag-ie","tag-investing","tag-ireland","tag-pensions","tag-personal-finance","tag-personalfinance","tag-standard","tag-story","tag-uae"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/151689","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=151689"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/151689\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/151690"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=151689"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=151689"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=151689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}