Neelam Keswani is the founder and managing director of Glamazle.com, a beauty e-commerce platform she launched after not being able to find the brands that she loved locally.
The Dubai-born Indian, 40, previously worked with discount-related businesses The Entertainer and Cobone, as well as electronics shopping site ALshop.com.
Ms Keswani lives with her business partner and husband of two years Roshan Harief, who is also Glamazle’s web developer, in Dubai Silicon Oasis.
How did your upbringing shape your attitude towards money?
My dad came from India to Dubai by boat in 1965 and worked in the import and export division of a company for 52 years. My mother was a homemaker. We got new clothes only twice a year – on our birthday and on Diwali – because we were four kids and dad didn’t have a massive salary. He was taking care of his brother and his family and also trying to build a home in India, where he could retire. So, we lived a very fixed, budgeted life. Having said that, my dad made sure we got everything in terms of education.
Did something inspire you to begin saving?
When my dad gave my mother money, she would save it in small bags and keep them inside wardrobes. It happened before my birth, but one Diwali, the house burned down. My mum had saved up Dh5,000 and everything in the house burnt, except for that and her passport. She gave this money to my father and that’s how they rebuilt their life.
My mum kept giving me this as an example every time I got a bonus. I’m a strong believer that it’s very important to save for a rainy day; you don’t know what’s around the corner.
How do you save?
I have money in savings accounts in different banks, and National Bonds. I also have physical gold. I bought gold bars in 2011/12 when it was close to $1,500 an ounce. This year, the gold price went crazy. I waited until it went up to $1,950, sold most of it and made a lot of cash. That’s gone into a villa in India. We invested a lot into making it bigger. That’s going to be our family home, if ever we decide we want to retire there.
When did you earn your first wage?
At 18. My first job was in Gitex. I used to do promotions for a phone company. They would pay me Dh750 for the week – at that time, it was a lot of money. I did that for two years and was studying as well. Then, I got a job in a bank. They paid me Dh1,800 a month.
What prompted you to create Glamazle?
I realised it was time to do something for myself. At the end of 2014, I decided to part ways with ALshop. My then boyfriend, now husband, told me: “You’ve done so much for many people, you’ve made many people rich, why can’t you do this for yourself?”
Every time I spend, I make it a mission to save double that amount
When I started, it was supposed to be a pet website, but I had no knowledge about pets. I love make-up and beauty. I’m a certified make-up artist. There was a huge demand for brands not available here. So, it was time to take this and make it my business. We started the venture from my bedroom. Now, I’m happy that I’m contributing to the economy, which has given me everything.
Has it been your best investment?
Yes, for a lot of reasons. The main reason is that I love make-up and I get to play with it more. It’s given me learning and success. I’m doing something that makes others happy. We are self-funded. Only this year, we have decided to look for outside funding to grow us maybe times five or 10.
Did your shopping habit change without the corporate salary?
It did. I was on very big salaries. I was living with my parents, the rent and food was paid for. All the money I was making was for myself, so I would go out and spend. If I liked a t-shirt, I’d buy all colours in it. I pampered my sister the same way.
That attitude has changed massively. I’ve reduced my impulse buying. My bags have not crossed three digits (in terms of price) in the past four years.
What is your attitude to spending now?
Every time I spend, I make it a mission to save double that amount. I changed the way I spend. I realised it’s no longer important to buy a Louis Vuitton bag; I can do with a non-branded bag. I’ve no need to spend Dh8,000, I can spend Dh800. I have done a lot of these changes because at the end of the day, I’m making money to grow this business further.
I have to make money for myself, but also people who work for me.
What have you previously splurged on?
Shoes – I have 50 to 60 pairs – handbags in three digits and watches. I’m also a hoarder of sunglasses. We’re moving from a one-bedroom to a two-bedroom (apartment) because my husband thinks my things need a room for themselves. I could do a very successful garage sale.
But, I also like to build memories. I didn’t have the big fat Indian wedding, we got married in court instead. I’d rather take that money and spend it on a fantastic holiday.
Is there anything you regret spending on?
In 2008, I invested in property in Dubai that didn’t get built and lost a lot of money. I’m very careful about spending on property now. Since I took that massive hit, I became very aware of how I spend. It’s a buyer’s market now, so we have been contemplating buying for investment, for renting out, but until you see the property, don’t pay for it.
Has the pandemic impacted your business?
Make-up sales dropped 90 per cent, but skincare flew off the shelf. Our orders were soaring. A lot of people had a lot more time for body scrubs and to change their routine. I realised a lot of people were buying because it was making them happy, shopping online to make them feel more normal. It was retail therapy.
Have you raided your savings recently?
We just changed our car. We traded in our Ford Explorer for a Nissan Patrol. We’re both outdoor people, we love going to the desert, and visiting the mountains. We reached six years in the business and saw a great deal for the 2019 model. It’s a landmark. We needed to do it for ourselves. It gives us motivation, a booster; now we’ve got to recoup and earn all that money back.
Also, in March, my mum had a paralytic stroke. We had to pay hospital bills.
If you won Dh1 million, what would you spend it on?
We both have nieces and nephews. I want to put money into a college fund for all of them. I didn’t have the opportunity to study a lot.
Dr Afridi's warning signs of digital addiction
Spending an excessive amount of time on the phone.
Neglecting personal, social, or academic responsibilities.
Losing interest in other activities or hobbies that were once enjoyed.
Having withdrawal symptoms like feeling anxious, restless, or upset when the technology is not available.
Experiencing sleep disturbances or changes in sleep patterns.
What are the guidelines?
Under 18 months: Avoid screen time altogether, except for video chatting with family.
Aged 18-24 months: If screens are introduced, it should be high-quality content watched with a caregiver to help the child understand what they are seeing.
Aged 2-5 years: Limit to one-hour per day of high-quality programming, with co-viewing whenever possible.
Aged 6-12 years: Set consistent limits on screen time to ensure it does not interfere with sleep, physical activity, or social interactions.
Teenagers: Encourage a balanced approach – screens should not replace sleep, exercise, or face-to-face socialisation.
Source: American Paediatric Association
Killing of Qassem Suleimani
Farage on Muslim Brotherhood
Nigel Farage told Reform's annual conference that the party will proscribe the Muslim Brotherhood if he becomes Prime Minister.
"We will stop dangerous organisations with links to terrorism operating in our country," he said. "Quite why we've been so gutless about this – both Labour and Conservative – I don't know.
“All across the Middle East, countries have banned and proscribed the Muslim Brotherhood as a dangerous organisation. We will do the very same.”
It is 10 years since a ground-breaking report into the Muslim Brotherhood by Sir John Jenkins.
Among the former diplomat's findings was an assessment that “the use of extreme violence in the pursuit of the perfect Islamic society” has “never been institutionally disowned” by the movement.
The prime minister at the time, David Cameron, who commissioned the report, said membership or association with the Muslim Brotherhood was a "possible indicator of extremism" but it would not be banned.
FIXTURES
Thu Mar 15 – West Indies v Afghanistan, UAE v Scotland
Fri Mar 16 – Ireland v Zimbabwe
Sun Mar 18 – Ireland v Scotland
Mon Mar 19 – West Indies v Zimbabwe
Tue Mar 20 – UAE v Afghanistan
Wed Mar 21 – West Indies v Scotland
Thu Mar 22 – UAE v Zimbabwe
Fri Mar 23 – Ireland v Afghanistan
The top two teams qualify for the World Cup
Classification matches
The top-placed side out of Papua New Guinea, Hong Kong or Nepal will be granted one-day international status. UAE and Scotland have already won ODI status, having qualified for the Super Six.
Thu Mar 15 – Netherlands v Hong Kong, PNG v Nepal
Sat Mar 17 – 7th-8th place playoff, 9th-10th place play-off
Bullet%20Train
%3Cp%3E%3Cstrong%3EDirector%3A%3C%2Fstrong%3E%20David%20Leitch%3Cbr%3E%3Cstrong%3EStars%3A%3C%2Fstrong%3E%20Brad%20Pitt%2C%20Aaron%20Taylor-Johnson%2C%20Brian%20Tyree%20Henry%2C%20Sandra%20Bullock%3Cbr%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%203%2F5%3C%2Fp%3E%0A
Our legal columnist
Name: Yousef Al Bahar
Advocate at Al Bahar & Associate Advocates and Legal Consultants, established in 1994
Education: Mr Al Bahar was born in 1979 and graduated in 2008 from the Judicial Institute. He took after his father, who was one of the first Emirati lawyers
'Moonshot'
Director: Chris Winterbauer
Stars: Lana Condor and Cole Sprouse
Rating: 3/5
Results
6.30pm: The Madjani Stakes (PA) Group 3 Dh175,000 (Dirt) 1,900m
Winner: Aatebat Al Khalediah, Fernando Jara (jockey), Ali Rashid Al Raihe (trainer).
7.05pm: Maiden (TB) Dh165,000 (D) 1,400m
Winner: Down On Da Bayou, Royston Ffrench, Salem bin Ghadayer.
7.40pm: Maiden (TB) Dh165,000 (D) 1,600m
Winner: Dubai Avenue, Fernando Jara, Ali Rashid Al Raihe.
8.15pm: Handicap (TB) Dh190,000 (D) 1,200m
Winner: My Catch, Pat Dobbs, Doug Watson.
8.50pm: Dubai Creek Mile (TB) Listed Dh265,000 (D) 1,600m
Winner: Secret Ambition, Tadhg O’Shea, Satish Seemar.
9.25pm: Handicap (TB) Dh190,000 (D) 1,600m
Winner: Golden Goal, Pat Dobbs, Doug Watson.
The specs
AT4 Ultimate, as tested
Engine: 6.2-litre V8
Power: 420hp
Torque: 623Nm
Transmission: 10-speed automatic
Price: From Dh330,800 (Elevation: Dh236,400; AT4: Dh286,800; Denali: Dh345,800)
On sale: Now
More coverage from the Future Forum
UAE currency: the story behind the money in your pockets
SOUTH%20KOREA%20SQUAD
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The five pillars of Islam
1. Fasting
2. Prayer
3. Hajj
4. Shahada
5. Zakat
ALRAWABI%20SCHOOL%20FOR%20GIRLS
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The biog
Name: Marie Byrne
Nationality: Irish
Favourite film: The Shawshank Redemption
Book: Seagull by Jonathan Livingston
Life lesson: A person is not old until regret takes the place of their dreams
More on animal trafficking
Engine: 5.6-litre V8
Transmission: seven-speed automatic
Power: 400hp
Torque: 560Nm
Price: Dh234,000 - Dh329,000
On sale: now
Killing of Qassem Suleimani
Mohammed bin Zayed Majlis
Company%20profile
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THE%20SWIMMERS
%3Cp%3E%3Cstrong%3EDirector%3A%20%3C%2Fstrong%3ESally%20El-Hosaini%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStars%3A%20%3C%2Fstrong%3ENathalie%20Issa%2C%20Manal%20Issa%2C%20Ahmed%20Malek%20and%20Ali%20Suliman%C2%A0%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%20%3C%2Fstrong%3E4%2F5%3C%2Fp%3E%0A
Without Remorse
Directed by: Stefano Sollima
Starring: Michael B Jordan
4/5
Killing of Qassem Suleimani
The years Ramadan fell in May
Series result
1st ODI Zimbabwe won by 6 wickets
2nd ODI Sri Lanka won by 7 wickets
3rd ODI Sri Lanka won by 8 wickets
4th ODI Zimbabwe won by 4 wickets
5th ODI Zimbabwe won by 3 wickets
Mohammed bin Zayed Majlis
Read more about the coronavirus
Our family matters legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
Zayed Sustainability Prize
The years Ramadan fell in May
The years Ramadan fell in May
Kathryn Hawkes of House of Hawkes on being a good guest (because we’ve all had bad ones)
- Arrive with a thank you gift, or make sure you have one for your host by the time you leave.
- Offer to buy groceries, cook them a meal or take your hosts out for dinner.
- Help out around the house.
- Entertain yourself so that your hosts don’t feel that they constantly need to.
- Leave no trace of your stay – if you’ve borrowed a book, return it to where you found it.
- Offer to strip the bed before you go.
Saudi Cup race day
Schedule in UAE time
5pm: Mohamed Yousuf Naghi Motors Cup (Turf), 5.35pm: 1351 Cup (T), 6.10pm: Longines Turf Handicap (T), 6.45pm: Obaiya Arabian Classic for Purebred Arabians (Dirt), 7.30pm: Jockey Club Handicap (D), 8.10pm: Samba Saudi Derby (D), 8.50pm: Saudia Sprint (D), 9.40pm: Saudi Cup (D)
Labour dispute
The insured employee may still file an ILOE claim even if a labour dispute is ongoing post termination, but the insurer may suspend or reject payment, until the courts resolve the dispute, especially if the reason for termination is contested. The outcome of the labour court proceedings can directly affect eligibility.
- Abdullah Ishnaneh, Partner, BSA Law
More from Neighbourhood Watch:
The%20specs
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Mohammed bin Zayed Majlis
Killing of Qassem Suleimani
More on Quran memorisation:
Killing of Qassem Suleimani
The Laughing Apple
Yusuf/Cat Stevens
(Verve Decca Crossover)
Abaya trends
The utilitarian robe held dear by Arab women is undergoing a change that reveals it as an elegant and graceful garment available in a range of colours and fabrics, while retaining its traditional appeal.
Killing of Qassem Suleimani
UAE currency: the story behind the money in your pockets
UAE currency: the story behind the money in your pockets
Our legal consultants
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
The%20specs
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SPECS
%3Cp%3E%3Cstrong%3EEngine%3A%20%3C%2Fstrong%3E4-litre%20flat-six%0D%3Cbr%3E%3Cstrong%3EPower%3A%20%3C%2Fstrong%3E525hp%20(GT3)%2C%20500hp%20(GT4)%0D%3Cbr%3E%3Cstrong%3ETorque%3A%20%3C%2Fstrong%3E465Nm%20(GT3)%2C%20450Nm%20(GT4)%0D%3Cbr%3E%3Cstrong%3ETransmission%3A%20%3C%2Fstrong%3ESeven-speed%20automatic%0D%3Cbr%3E%3Cstrong%3EPrice%3A%20%3C%2Fstrong%3EFrom%20Dh944%2C000%20(GT3)%2C%20Dh581%2C700%20(GT4)%0D%3Cbr%3E%3Cstrong%3EOn%20sale%3A%20%3C%2Fstrong%3ENow%0D%3Cbr%3E%3C%2Fp%3E%0A
How much do leading UAE’s UK curriculum schools charge for Year 6?
- Nord Anglia International School (Dubai) – Dh85,032
- Kings School Al Barsha (Dubai) – Dh71,905
- Brighton College Abu Dhabi - Dh68,560
- Jumeirah English Speaking School (Dubai) – Dh59,728
- Gems Wellington International School – Dubai Branch – Dh58,488
- The British School Al Khubairat (Abu Dhabi) - Dh54,170
- Dubai English Speaking School – Dh51,269
*Annual tuition fees covering the 2024/2025 academic year
Specs
Engine: 51.5kW electric motor
Range: 400km
Power: 134bhp
Torque: 175Nm
Price: From Dh98,800
Available: Now
The specs
- Engine: 3.9-litre twin-turbo V8
- Power: 640hp
- Torque: 760nm
- On sale: 2026
- Price: Not announced yet
Specs
Engine: Dual-motor all-wheel-drive electric
Range: Up to 610km
Power: 905hp
Torque: 985Nm
Price: From Dh439,000
Available: Now
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
KILLING OF QASSEM SULEIMANI
Dust and sand storms compared
Sand storm
- Particle size: Larger, heavier sand grains
- Visibility: Often dramatic with thick "walls" of sand
- Duration: Short-lived, typically localised
- Travel distance: Limited
- Source: Open desert areas with strong winds
Dust storm
- Particle size: Much finer, lightweight particles
- Visibility: Hazy skies but less intense
- Duration: Can linger for days
- Travel distance: Long-range, up to thousands of kilometres
- Source: Can be carried from distant regions
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.”
Key findings of Jenkins report
- Founder of the Muslim Brotherhood, Hassan al Banna, "accepted the political utility of violence"
- Views of key Muslim Brotherhood ideologue, Sayyid Qutb, have “consistently been understood” as permitting “the use of extreme violence in the pursuit of the perfect Islamic society” and “never been institutionally disowned” by the movement.
- Muslim Brotherhood at all levels has repeatedly defended Hamas attacks against Israel, including the use of suicide bombers and the killing of civilians.
- Laying out the report in the House of Commons, David Cameron told MPs: "The main findings of the review support the conclusion that membership of, association with, or influence by the Muslim Brotherhood should be considered as a possible indicator of extremism."
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
UAE rugby in numbers
5 - Year sponsorship deal between Hesco and Jebel Ali Dragons
700 - Dubai Hurricanes had more than 700 playing members last season between their mini and youth, men's and women's teams
Dh600,000 - Dubai Exiles' budget for pitch and court hire next season, for their rugby, netball and cricket teams
Dh1.8m - Dubai Hurricanes' overall budget for next season
Dh2.8m - Dubai Exiles’ overall budget for next season
Panipat
Director Ashutosh Gowariker
Produced Ashutosh Gowariker, Rohit Shelatkar, Reliance Entertainment
Cast Arjun Kapoor, Sanjay Dutt, Kriti Sanon, Mohnish Behl, Padmini Kolhapure, Zeenat Aman
Rating 3 /5 stars
If you go
The Flights
Emirates and Etihad fly direct to Johannesburg from Dubai and Abu Dhabi respectively. Economy return tickets cost from Dh2,650, including taxes.
The trip
Worldwide Motorhoming Holidays (worldwidemotorhomingholidays.co.uk) operates fly-drive motorhome holidays in eight destinations, including South Africa. Its 14-day Kruger and the Battlefields itinerary starts from Dh17,500, including campgrounds, excursions, unit hire and flights. Bobo Campers has a range of RVs for hire, including the 4-berth Discoverer 4 from Dh600 per day.
The five pillars of Islam
COMPANY%20PROFILE
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UAE currency: the story behind the money in your pockets
RESULT
Manchester United 1 Brighton and Hove Albion 0
Man United: Dunk (66' og)
Man of the Match: Shane Duffy (Brighton)
