The UAE attracts different kinds of property investors, and the availability of diverse options means home buyers can choose a unit that is best suited for either a short-term or long-term lease.
This decision is usually based on various factors such as rental yields, capital appreciation, location, market conditions, supply and demand and individual investment preferences.
While short-term lets offer higher rental yields and flexibility to property owners, annual rentals attract those seeking more stable and predictable income streams, according to experts.
“Short-term rentals, benefiting from demand from leisure and business travellers, are favoured over annual leases in certain jurisdictions where regulations prohibit non-residents from renting out properties for a year,” says Karina Meirmanova, head of real estate platform at property technology start-up Huspy.
“However, short-term rentals are subject to calendar cycles, with periods of low demand in the summer as we see here in the UAE.
“For international investors, short-term leases are increasingly appealing due to their easy accessibility, management, no lock-ins and the flexibility they afford for visiting one's property conveniently.”
However, with annual leases, the long-term commitment to contracts means that investors have full visibility of longer-term income, she says.
The UAE’s property market continues to record strong growth on the back of government projects, the expansion of its economy and higher oil prices.
Last year, Dubai registered a 17 per cent annual jump in real estate transactions to 1.6 million across market segments, according to data from the Dubai Land Department.
The overall number included real estate deals from investments, mortgages and sales transactions to rental contracts recorded last year, up from about 1.3 million transactions reported in 2022.
Last year, the value of real estate deals in the emirate reached Dh634 billion ($172.6 billion), an annual growth of 20 per cent.
“On average, annual leases yield a 6.8 per cent return on investment, whereas short-term rentals can range between 10 per cent and 14 per cent annually,” Ms Meirmanova says.
In Dubai, the most popular areas for short-term lets are Dubai Marina, Palm Jumeirah and Downtown Dubai. Business travellers seek out properties around the Dubai International Financial Centre, Business Bay and Dubai Internet City, according to Peter May, vice president of operations at short-term rentals platform Silkhaus.
“More recently, we are seeing increasing demand from secondary areas like Jumeirah Village Circle and Dubai Hills,” he says.
In Abu Dhabi, Al Reem Island is a hit for business travellers, while Saadiyat and Yas Island are appealing to tourists, he points out.
Owners of short-term lets are not limited by an Ejari agreement and long-term binding contracts, Mr May says.
Short-term rental landlords include both homeowners and institutional investors.
“The returns for landlords are 20 per cent to 40 per cent higher than long-term leases. This depends on a variety of factors, including the location of the property, its size and market dynamics,” he says.
“However, with current demand in the UAE, the largest challenge is the lack of quality supply for short-term rentals.”
Industry standards for commissions on the monthly net revenue generated on each asset average between 15 per cent and 20 per cent, according to experts.
Property owners must register their unit as a short-term rental with the respective authorities in their emirate.
In Dubai, it is the Dubai Economy & Tourism Department which issues holiday home permits.
In Abu Dhabi, homeowners must register with the Department of Culture and Tourism. This process is online and includes a small fee.
The National looks at three property investment strategies and the experience of homeowners to weigh up what could work best for you.
On average, annual leases yield a 6.8 per cent return on investment, whereas short-term rentals can range between 10 per and 14 per cent annually
Karina Meirmanova,
head of real estate platform, Huspy
Long-term investment
Jennifer Terry owns two apartments in the Green Community and The Greens and a villa in Dubai. She lives in the villa and rents out the apartments on annual leases. She purchased the apartments in 2017 and 2021.
She believes that if you own property in a prime location for tourists, such as Dubai Marina or Jumeirah Beach Residence, it's easier to do short-term rentals.
However, as her apartments are outside these tourist areas, it's easier to do an annual lease and it also involves less hassle, she says.
“We initially bought apartments because we thought smaller properties were easier to rent out. We also bought a villa because we wanted to live in it ourselves,” Ms Terry says.
“But we're also looking at the potential of a villa for investment in the future, but this is only after the current prices drop a bit.”
She earns a net annual rental yield of 5.5 per cent on her studio and 6 per cent from a one-bedroom apartment.
She states that long-term leases offer a stable cash flow and a fixed income in the long term.
However, an investor’s return on property investment depends on when they buy the unit.
“I've been here for 10 years, so we've seen ups and downs in the market. For instance, during the pandemic, both villa and apartment values decreased by about 30 per cent, so we picked up deals,” Ms Terry says.
“We are always looking at the market and if there is an opportunity, we might buy more properties.”
It’s important for long-term investors to understand the potential and risks of different areas and only go for developers with a good track record, she suggests.
She always checks out deals on Emirates Auction for undervalued properties. If she has spare cash, she buys the unit after considering factors like location, property value, size and ease of renting.
For short-term flipping, if you buy off-plan and the market drops or the developer has trouble fulfilling their commitment, your deposit may be stuck, she warns.
“It’s easy to buy and sell property in Dubai. It has no tax and is very friendly for foreign investors,” Ms Terry points out.
Short-term rentals
Shilpy Garg owns two properties, a studio and a one-bedroom apartment, in Jumeirah Village Circle in Dubai which she has leased as short-term rentals.
She purchased both the units off-plan and they are managed by a holiday home company.
“We decided to invest in JVC because it is strategically located and we also live here, so it’s easier to manage the units in case of an emergency,” she says.
“The target audience is people who are new to the country and willing to rent such units for short stays until they find a place of their own. The units are also frequently booked by tourists who prefer to have a kitchen and more open space than what hotel rooms would usually offer.”
She opted for short-term leases after not having a pleasant experience while renting one of her Dubai properties on a long-term basis.
When the tenant vacated, the house was left in a very shabby state and there was no clear information about their exit, Ms Garg says.
“It may have just been a very rare occurrence but got me to rethink my future strategy. This made me think that I need to have better control of my property because they're all premium. I eventually sold off that unit,” she says.
“When the house is not being used, I want to be able to go and see how it is being maintained. That's all possible with a holiday home investment. The holiday home company takes care of the linen, toiletries, basic hygiene and deep cleaning of the unit.”
She believes this type of investment offers better returns over a two to three-year period.
She’s completed a one-year cycle for one of her apartments and it has generated between 10 per cent to 12 per cent net average returns.
Ms Garg also chooses short-term lets as it gives her peace of mind that her property is in safe hands.
“I decided to lease these units via a short-term rental stream because I love to travel and have stayed in such units in other countries, so I wanted to do something similar in the UAE, which is also a tourist hotspot,” she explains.
“I cannot afford to manage the units with a full-time job. It’s easier to go through a holiday home operator since they know how to pitch it to different portals and have all the licences and permits to create a strong booking pipeline.”
Ms Garg is more inclined towards the property market in Dubai compared to other investment offerings.
However, she does her due diligence and only invests with developers who have a good track record.
Her properties have been rented for short stays going up to two nights and long stays of even six months.
The income from each booking is split 80:20 between Ms Garg and the holiday home company.
The units are fully furnished. The holiday home company will usually give a checklist that the owner needs to fulfil. This includes furniture and a well-equipped kitchen, with a coffee machine, utensils and cutlery.
Ms Garg is also given access to the user portal where she can reserve dates for her own use or her guests.
“The pros of long-term leases are you usually receive a cheque for a 12-month period and may not have to worry about anything after the lease is signed and the rent is credited to your account,” she says.
“But if the tenants are not the right people for your unit, they might leave it in a very shabby condition, in which case a security deposit may also not be enough to repair the house. Also, with Dubai’s fast-paced life, you may not want to open a case with the Real Estate Regulatory Agency, you just want to close the chapter and move on.”
The pros of short-term lets are that your property remains clean and will not depreciate. It will stay exactly like a hotel room, Ms Garg says.
The issue would be the uncertainty of bookings. If the market goes low and a force majeure condition happens, you may not have travellers coming to the country, in which case it's a complete loss, she says.
Another nuance is that the owner must pay the utility bills.
“In my case, I wanted to give it a try and the model worked well. Last year, the UAE registered a record-breaking number of tourists and visitors,” she adds.
Flipping
Stephanie, who chose not to give her full name, has been flipping properties for two years.
She buys only off-plan properties and waits till the project is handed over to exit the investment.
Then, the profit is higher compared with when you sell at the start of the project, she says.
“Flipping property requires patience, it involves waiting for the right time to exit the investment. It’s not a guarantee of quick money,” Stephanie says.
Emaar Properties reveals two Dubai projects worth $26 billion – in pictures
“Flipping usually stays within a network, so you usually sell to a contact. I’ve noticed that it is mostly done by investors from Africa and Russia.”
An investor will receive better returns by flipping property than by renting it annually and they also don’t have to pay any maintenance charges, she claims.
The usual holding period for those looking to flip the property is one to two years, but it depends on the construction schedule, she says.
Stephanie usually flips only studio and one-bedroom apartments and always buys directly from the developer upon project launch.
“Look for a developer who has a track record of finishing construction in two years, so you can flip the property,” she suggests.
“Also, make sure you have 24 per cent of the sales price ready to pay upon project launch and go for small developers because the bigger ones do not encourage flipping and the holding period is longer.”
To purchase an off-plan property, an investor needs to pay 24 per cent of the sales price: 20 per cent for the booking and 4 per cent for the Dubai Land Department fee.
Stephanie recently made a profit by flipping two apartments in a project in Arjan, Dubai. She earned a profit of Dh80,000 from one unit and about Dh100,000 from the other. She held the units for between eight to ten months.
Flipping is mostly done by investors who have spare cash. It’s like trading and the risk is quite high, she warns.
“The risk is that there may not be buyers after you book the unit. Then you lose money and may have to sell below what you invested,” she says.
The specs: 2019 BMW X4
Price, base / as tested: Dh276,675 / Dh346,800
Engine: 3.0-litre turbocharged in-line six-cylinder
Transmission: Eight-speed automatic
Power: 354hp @ 5,500rpm
Torque: 500Nm @ 1,550rpm
Fuel economy, combined: 9.0L / 100km
A list of the animal rescue organisations in the UAE
RESULTS - ELITE MEN
1. Henri Schoeman (RSA) 57:03
2. Mario Mola (ESP) 57:09
3. Vincent Luis (FRA) 57:25
4. Leo Bergere (FRA)57:34
5. Jacob Birtwhistle (AUS) 57:40
6. Joao Silva (POR) 57:45
7. Jonathan Brownlee (GBR) 57:56
8. Adrien Briffod (SUI) 57:57
9. Gustav Iden (NOR) 57:58
10. Richard Murray (RSA) 57:59
BMW M5 specs
Engine: 4.4-litre twin-turbo V-8 petrol enging with additional electric motor
Power: 727hp
Torque: 1,000Nm
Transmission: 8-speed auto
Fuel consumption: 10.6L/100km
On sale: Now
Price: From Dh650,000
The specs
Engine: 4.0-litre flat-six
Torque: 450Nm at 6,100rpm
Transmission: 7-speed PDK auto or 6-speed manual
Fuel economy, combined: 13.8L/100km
On sale: Available to order now
Why are asylum seekers being housed in hotels?
The number of asylum applications in the UK has reached a new record high, driven by those illegally entering the country in small boats crossing the English Channel.
A total of 111,084 people applied for asylum in the UK in the year to June 2025, the highest number for any 12-month period since current records began in 2001.
Asylum seekers and their families can be housed in temporary accommodation while their claim is assessed.
The Home Office provides the accommodation, meaning asylum seekers cannot choose where they live.
When there is not enough housing, the Home Office can move people to hotels or large sites like former military bases.
COMPANY%20PROFILE%20
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The Baghdad Clock
Shahad Al Rawi, Oneworld
Fixtures
Friday Leganes v Alaves, 10.15pm; Valencia v Las Palmas, 12.15am
Saturday Celta Vigo v Real Sociedad, 8.15pm; Girona v Atletico Madrid, 10.15pm; Sevilla v Espanyol, 12.15am
Sunday Athletic Bilbao v Getafe, 8.15am; Barcelona v Real Betis, 10.15pm; Deportivo v Real Madrid, 12.15am
Monday Levante v Villarreal, 10.15pm; Malaga v Eibar, midnight
How much of your income do you need to save?
The more you save, the sooner you can retire. Tuan Phan, a board member of SimplyFI.com, says if you save just 5 per cent of your salary, you can expect to work for another 66 years before you are able to retire without too large a drop in income.
In other words, you will not save enough to retire comfortably. If you save 15 per cent, you can forward to another 43 working years. Up that to 40 per cent of your income, and your remaining working life drops to just 22 years. (see table)
Obviously, this is only a rough guide. How much you save will depend on variables, not least your salary and how much you already have in your pension pot. But it shows what you need to do to achieve financial independence.
Other IPL batting records
Most sixes: 292 – Chris Gayle
Most fours: 491 – Gautam Gambhir
Highest individual score: 175 not out – Chris Gayle (for Royal Challengers Bangalore against Pune Warriors in 2013)
Highest strike-rate: 177.29 – Andre Russell
Highest strike-rate in an innings: 422.22 – Chris Morris (for Delhi Daredevils against Rising Pune Supergiant in 2017)
Highest average: 52.16 – Vijay Shankar
Most centuries: 6 – Chris Gayle
Most fifties: 36 – Gautam Gambhir
Fastest hundred (balls faced): 30 – Chris Gayle (for Royal Challengers Bangalore against Pune Warriors in 2013)
Fastest fifty (balls faced): 14 – Lokesh Rahul (for Kings XI Punjab against Delhi Daredevils in 2018)
Key facilities
- Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
- Premier League-standard football pitch
- 400m Olympic running track
- NBA-spec basketball court with auditorium
- 600-seat auditorium
- Spaces for historical and cultural exploration
- An elevated football field that doubles as a helipad
- Specialist robotics and science laboratories
- AR and VR-enabled learning centres
- Disruption Lab and Research Centre for developing entrepreneurial skills
Sholto Byrnes on Myanmar politics
Schedule:
Sept 15: Bangladesh v Sri Lanka (Dubai)
Sept 16: Pakistan v Qualifier (Dubai)
Sept 17: Sri Lanka v Afghanistan (Abu Dhabi)
Sept 18: India v Qualifier (Dubai)
Sept 19: India v Pakistan (Dubai)
Sept 20: Bangladesh v Afghanistan (Abu Dhabi) Super Four
Sept 21: Group A Winner v Group B Runner-up (Dubai)
Sept 21: Group B Winner v Group A Runner-up (Abu Dhabi)
Sept 23: Group A Winner v Group A Runner-up (Dubai)
Sept 23: Group B Winner v Group B Runner-up (Abu Dhabi)
Sept 25: Group A Winner v Group B Winner (Dubai)
Sept 26: Group A Runner-up v Group B Runner-up (Abu Dhabi)
Sept 28: Final (Dubai)
What the law says
Micro-retirement is not a recognised concept or employment status under Federal Decree Law No. 33 of 2021 on the Regulation of Labour Relations (as amended) (UAE Labour Law). As such, it reflects a voluntary work-life balance practice, rather than a recognised legal employment category, according to Dilini Loku, senior associate for law firm Gateley Middle East.
“Some companies may offer formal sabbatical policies or career break programmes; however, beyond such arrangements, there is no automatic right or statutory entitlement to extended breaks,” she explains.
“Any leave taken beyond statutory entitlements, such as annual leave, is typically regarded as unpaid leave in accordance with Article 33 of the UAE Labour Law. While employees may legally take unpaid leave, such requests are subject to the employer’s discretion and require approval.”
If an employee resigns to pursue micro-retirement, the employment contract is terminated, and the employer is under no legal obligation to rehire the employee in the future unless specific contractual agreements are in place (such as return-to-work arrangements), which are generally uncommon, Ms Loku adds.
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
Tailors and retailers miss out on back-to-school rush
Tailors and retailers across the city said it was an ominous start to what is usually a busy season for sales.
With many parents opting to continue home learning for their children, the usual rush to buy school uniforms was muted this year.
“So far we have taken about 70 to 80 orders for items like shirts and trousers,” said Vikram Attrai, manager at Stallion Bespoke Tailors in Dubai.
“Last year in the same period we had about 200 orders and lots of demand.
“We custom fit uniform pieces and use materials such as cotton, wool and cashmere.
“Depending on size, a white shirt with logo is priced at about Dh100 to Dh150 and shorts, trousers, skirts and dresses cost between Dh150 to Dh250 a piece.”
A spokesman for Threads, a uniform shop based in Times Square Centre Dubai, said customer footfall had slowed down dramatically over the past few months.
“Now parents have the option to keep children doing online learning they don’t need uniforms so it has quietened down.”
The biog
Favourite pet: cats. She has two: Eva and Bito
Favourite city: Cape Town, South Africa
Hobby: Running. "I like to think I’m artsy but I’m not".
Favourite move: Romantic comedies, specifically Return to me. "I cry every time".
Favourite spot in Abu Dhabi: Saadiyat beach
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
Our legal consultant
Name: Dr Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
Jetour T1 specs
Engine: 2-litre turbocharged
Power: 254hp
Torque: 390Nm
Price: From Dh126,000
Available: Now
Red flags
- Promises of high, fixed or 'guaranteed' returns.
- Unregulated structured products or complex investments often used to bypass traditional safeguards.
- Lack of clear information, vague language, no access to audited financials.
- Overseas companies targeting investors in other jurisdictions - this can make legal recovery difficult.
- Hard-selling tactics - creating urgency, offering 'exclusive' deals.
Courtesy: Carol Glynn, founder of Conscious Finance Coaching
The Details
Article 15
Produced by: Carnival Cinemas, Zee Studios
Directed by: Anubhav Sinha
Starring: Ayushmann Khurrana, Kumud Mishra, Manoj Pahwa, Sayani Gupta, Zeeshan Ayyub
Our rating: 4/5
UAE squad
Rohan Mustafa (captain), Ashfaq Ahmed, Ghulam Shabber, Rameez Shahzad, Mohammed Boota, Mohammed Usman, Adnan Mufti, Shaiman Anwar, Ahmed Raza, Imran Haider, Qadeer Ahmed, Mohammed Naveed, Amir Hayat, Zahoor Khan
War 2
Director: Ayan Mukerji
Stars: Hrithik Roshan, NTR, Kiara Advani, Ashutosh Rana
Rating: 2/5
SPEC%20SHEET%3A%20APPLE%20IPHONE%2014%20PRO%20MAX
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More on animal trafficking
Asia Cup Qualifier
Final
UAE v Hong Kong
TV:
Live on OSN Cricket HD. Coverage starts at 5.30am
India squad
Virat Kohli (captain), Rohit Sharma, Mayank Agarwal, K.L. Rahul, Shreyas Iyer, Manish Pandey, Rishabh Pant, Shivam Dube, Kedar Jadhav, Ravindra Jadeja, Yuzvendra Chahal, Kuldeep Yadav, Deepak Chahar, Mohammed Shami, Shardul Thakur.
The specs
Engine: 2.0-litre 4cyl turbo
Power: 261hp at 5,500rpm
Torque: 405Nm at 1,750-3,500rpm
Transmission: 9-speed auto
Fuel consumption: 6.9L/100km
On sale: Now
Price: From Dh117,059
Selected fixtures
All times UAE
Wednesday
Poland v Portugal 10.45pm
Russia v Sweden 10.45pm
Friday
Belgium v Switzerland 10.45pm
Croatia v England 10.45pm
Saturday
Netherlands v Germany 10.45pm
Rep of Ireland v Denmark 10.45pm
Sunday
Poland v Italy 10.45pm
Monday
Spain v England 10.45pm
Tuesday
France v Germany 10.45pm
Rep of Ireland v Wales 10.45pm
Du Football Champions
The fourth season of du Football Champions was launched at Gitex on Wednesday alongside the Middle East’s first sports-tech scouting platform.“du Talents”, which enables aspiring footballers to upload their profiles and highlights reels and communicate directly with coaches, is designed to extend the reach of the programme, which has already attracted more than 21,500 players in its first three years.
COMPANY PROFILE
Name: Kumulus Water
Started: 2021
Founders: Iheb Triki and Mohamed Ali Abid
Based: Tunisia
Sector: Water technology
Number of staff: 22
Investment raised: $4 million
AI traffic lights to ease congestion at seven points to Sheikh Zayed bin Sultan Street
The seven points are:
Shakhbout bin Sultan Street
Dhafeer Street
Hadbat Al Ghubainah Street (outbound)
Salama bint Butti Street
Al Dhafra Street
Rabdan Street
Umm Yifina Street exit (inbound)
Know your Camel lingo
The bairaq is a competition for the best herd of 50 camels, named for the banner its winner takes home
Namoos - a word of congratulations reserved for falconry competitions, camel races and camel pageants. It best translates as 'the pride of victory' - and for competitors, it is priceless
Asayel camels - sleek, short-haired hound-like racers
Majahim - chocolate-brown camels that can grow to weigh two tonnes. They were only valued for milk until camel pageantry took off in the 1990s
Millions Street - the thoroughfare where camels are led and where white 4x4s throng throughout the festival
Pots for the Asian Qualifiers
Pot 1: Iran, Japan, South Korea, Australia, Qatar, United Arab Emirates, Saudi Arabia, China
Pot 2: Iraq, Uzbekistan, Syria, Oman, Lebanon, Kyrgyz Republic, Vietnam, Jordan
Pot 3: Palestine, India, Bahrain, Thailand, Tajikistan, North Korea, Chinese Taipei, Philippines
Pot 4: Turkmenistan, Myanmar, Hong Kong, Yemen, Afghanistan, Maldives, Kuwait, Malaysia
Pot 5: Indonesia, Singapore, Nepal, Cambodia, Bangladesh, Mongolia, Guam, Macau/Sri Lanka
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
UAE%20FIXTURES
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Formula%204%20Italian%20Championship%202023%20calendar
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Zimbabwe v UAE, ODI series
All matches at the Harare Sports Club:
1st ODI, Wednesday, April 10
2nd ODI, Friday, April 12
3rd ODI, Sunday, April 14
4th ODI, Tuesday, April 16
UAE squad: Mohammed Naveed (captain), Rohan Mustafa, Ashfaq Ahmed, Shaiman Anwar, Mohammed Usman, CP Rizwan, Chirag Suri, Mohammed Boota, Ghulam Shabber, Sultan Ahmed, Imran Haider, Amir Hayat, Zahoor Khan, Qadeer Ahmed
INDIA%20SQUAD
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Long Shot
Director: Jonathan Levine
Starring: Charlize Theron, Seth Rogan
Four stars
Company profile
Company name: Nestrom
Started: 2017
Co-founders: Yousef Wadi, Kanaan Manasrah and Shadi Shalabi
Based: Jordan
Sector: Technology
Initial investment: Close to $100,000
Investors: Propeller, 500 Startups, Wamda Capital, Agrimatico, Techstars and some angel investors
Afghanistan fixtures
- v Australia, today
- v Sri Lanka, Tuesday
- v New Zealand, Saturday,
- v South Africa, June 15
- v England, June 18
- v India, June 22
- v Bangladesh, June 24
- v Pakistan, June 29
- v West Indies, July 4
The squad traveling to Brazil:
Faisal Al Ketbi, Ibrahim Al Hosani, Khalfan Humaid Balhol, Khalifa Saeed Al Suwaidi, Mubarak Basharhil, Obaid Salem Al Nuaimi, Saeed Juma Al Mazrouei, Saoud Abdulla Al Hammadi, Taleb Al Kirbi, Yahia Mansour Al Hammadi, Zayed Al Kaabi, Zayed Saif Al Mansoori, Saaid Haj Hamdou, Hamad Saeed Al Nuaimi. Coaches Roberto Lima and Alex Paz.
Our legal consultant
Name: Dr Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
Opening day UAE Premiership fixtures, Friday, September 22:
- Dubai Sports City Eagles v Dubai Exiles
- Dubai Hurricanes v Abu Dhabi Saracens
- Jebel Ali Dragons v Abu Dhabi Harlequins
Messi at the Copa America
2007 – lost 3-0 to Brazil in the final
2011 – lost to Uruguay on penalties in the quarter-finals
2015 – lost to Chile on penalties in the final
2016 – lost to Chile on penalties in the final
Killing of Qassem Suleimani
One in four Americans don't plan to retire
Nearly a quarter of Americans say they never plan to retire, according to a poll that suggests a disconnection between individuals' retirement plans and the realities of ageing in the workforce.
Experts say illness, injury, layoffs and caregiving responsibilities often force older workers to leave their jobs sooner than they'd like.
According to the poll from The Associated Press-NORC Centre for Public Affairs Research, 23 per cent of workers, including nearly two in 10 of those over 50, don't expect to stop working. Roughly another quarter of Americans say they will continue working beyond their 65th birthday.
According to government data, about one in five people 65 and older was working or actively looking for a job in June. The study surveyed 1,423 adults in February this year.
For many, money has a lot to do with the decision to keep working.
"The average retirement age that we see in the data has gone up a little bit, but it hasn't gone up that much," says Anqi Chen, assistant director of savings research at the Centre for Retirement Research at Boston College. "So people have to live in retirement much longer, and they may not have enough assets to support themselves in retirement."
When asked how financially comfortable they feel about retirement, 14 per cent of Americans under the age of 50 and 29 per cent over 50 say they feel extremely or very prepared, according to the poll. About another four in 10 older adults say they do feel somewhat prepared, while just about one-third feel unprepared.
"One of the things about thinking about never retiring is that you didn't save a whole lot of money," says Ronni Bennett, 78, who was pushed out of her job as a New York City-based website editor at 63.
She searched for work in the immediate aftermath of her layoff, a process she describes as akin to "banging my head against a wall." Finding Manhattan too expensive without a steady stream of income, she eventually moved to Portland, Maine. A few years later, she moved again, to Lake Oswego, Oregon. "Sometimes I fantasise that if I win the lottery, I'd go back to New York," says Ms Bennett.
Manchester City (0) v Liverpool (3)
Uefa Champions League, quarter-final, second leg
Where: Etihad Stadium
When: Tuesday, 10.45pm
Live on beIN Sports HD
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