I have a secret for you. This secret will allow you to double your income in 18 months for only five more hours of work a week. Do you want to know it?
If you answered “yes”, I want to give you an opportunity to double down. Triple your income in 18 months for just 10 more hours a week!
Interested? At what point would you answer “No”? All of this points to one bigger question: how much is enough?
To be clear, I understand that for most, doubling your income would provide plenty of extra breathing room.
A lot of research suggests that money can buy you happiness. But only to a certain point. Beyond that point, it seems to make people sadder, more depressed and more anxious.
In my profession, I see parents who, in the race to move ahead in their careers, have left their children’s childhood behind.
I see people who have ruined their relationships because they were chasing something in the future, while not having time for their loved ones in the present.
Instead of fixating on getting ahead, what if we simply focused on having enough? How might that change your priorities? Your daily schedule?
Intentionally defining “how much money is enough?” is one of the most important decisions you can make financially. You may put a number to it, but, on a deeper level, the question’s qualitative nature is what makes it special.
It’s about getting clear about your values and goals. Try thinking about your money in terms of what you already have and the freedom it affords you. What makes people happy is buying time and choices.
Matt Haig, author of Reasons to Stay Alive, once said: “The world is increasingly designed to depress us … happiness is not a very good thing for the economy. If we were happy with what we had, why would we need more?”
Many of us believe money, success and stuff is what we need to live “happily”. So, we convince ourselves that we are always too poor to buy our freedom.
But this is what the world is designed to do; always create that fear and urgency for more, even when we have enough.
We make more money. Expectations and desires rise in tandem (known as hedonic adaptation), which results in no permanent gain in our happiness.
John Bogle, founder of investment adviser Vanguard, once recounted a story about the author Joseph Heller. At a party held by a super-rich money manager, a friend told Joseph that their host had made more in a single day than his most famous novel, Catch-22, had ever made.
If you can’t find a way to be satisfied with enough, you may never be satisfied with anything
Sam Instone,
co-chief executive of wealth management company AES
To which Joseph replied: “I’ve got something he can never have.”
His friend asked: “What on earth could that be, Joe?”
And Joe said: “The knowledge that I’ve got enough.”
What might happen if you could shift perspectives? Would you work less? Would you spend less? Would you sleep more? Would you quit your job and start something new? Would you give more to charity?
Maybe nothing new would happen. But if you can’t find a way to be satisfied with enough, you may never be satisfied with anything.
There will always be someone else ahead of you. You don’t have to participate in a game that will constantly pit you against the competition (even if the competition is your future self).
You can opt for financial freedom instead. Combined with peace of mind, good health, loving relationships, worthy goals and ideas, and personal fulfilment — that should certainly be “enough”.
Having enough doesn’t mean we never crave more. We’re human, after all.
But I encourage you to take a step back when you find yourself wanting more and think about where that desire is based.
Is it an actual reflection of your values and your current reality? Or is it just the "more, more, more" monster knocking at the door again?
Sam Instone is co-chief executive of wealth management company AES
UAE%20ILT20
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Ten10 Cricket League
Venue and schedule Sharjah Cricket Stadium, December 14 to 17
Teams
Maratha Arabians Leading player: Virender Sehwag; Top picks: Mohammed Amir, Imad Wasim; UAE players: Shaiman Anwar, Zahoor Khan
Bengal Lions Leading player: Sarfraz Ahmed; Top picks: Sunil Narine, Mustafizur Rahman; UAE players: Mohammed Naveed, Rameez Shahzad
Kerala Kings Leading player: Eoin Morgan; Top picks: Kieron Pollard, Sohail Tanvir; UAE players: Rohan Mustafa, Imran Haider
Pakhtoons Leading player: Shahid Afridi; Top picks: Fakhar Zaman, Tamim Iqbal; UAE players: Amjad Javed, Saqlain Haider
Punjabi Legends Leading player: Shoaib Malik; Top picks: Hasan Ali, Chris Jordan; UAE players: Ghulam Shabber, Shareef Asadullah
Team Sri Lanka Cricket Will be made up of Colombo players who won island’s domestic limited-overs competition
HOSTS
T20 WORLD CUP
2024: US and West Indies; 2026: India and Sri Lanka; 2028: Australia and New Zealand; 2030: England, Ireland and Scotland
ODI WORLD CUP
2027: South Africa, Zimbabwe and Namibia; 2031: India and
Bangladesh
CHAMPIONS TROPHY
2025: Pakistan; 2029: India
Electric scooters: some rules to remember
- Riders must be 14-years-old or over
- Wear a protective helmet
- Park the electric scooter in designated parking lots (if any)
- Do not leave electric scooter in locations that obstruct traffic or pedestrians
- Solo riders only, no passengers allowed
- Do not drive outside designated lanes
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
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Company%20profile
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Women%E2%80%99s%20T20%20World%20Cup%20Qualifier
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Meatless Days
Sara Suleri, with an introduction by Kamila Shamsie
Penguin
Sreesanth's India bowling career
Tests 27, Wickets 87, Average 37.59, Best 5-40
ODIs 53, Wickets 75, Average 33.44, Best 6-55
T20Is 10, Wickets 7, Average 41.14, Best 2-12
Zidane's managerial achievements
La Liga: 2016/17
Spanish Super Cup: 2017
Uefa Champions League: 2015/16, 2016/17, 2017/18
Uefa Super Cup: 2016, 2017
Fifa Club World Cup: 2016, 2017
What can you do?
Document everything immediately; including dates, times, locations and witnesses
Seek professional advice from a legal expert
You can report an incident to HR or an immediate supervisor
You can use the Ministry of Human Resources and Emiratisation’s dedicated hotline
In criminal cases, you can contact the police for additional support
Defending champions
World Series: South Africa
Women’s World Series: Australia
Gulf Men’s League: Dubai Exiles
Gulf Men’s Social: Mediclinic Barrelhouse Warriors
Gulf Vets: Jebel Ali Dragons Veterans
Gulf Women: Dubai Sports City Eagles
Gulf Under 19: British School Al Khubairat
Gulf Under 19 Girls: Dubai Exiles
UAE National Schools: Al Safa School
International Invitational: Speranza 22
International Vets: Joining Jack
What is Folia?
Prince Khaled bin Alwaleed bin Talal's new plant-based menu will launch at Four Seasons hotels in Dubai this November. A desire to cater to people looking for clean, healthy meals beyond green salad is what inspired Prince Khaled and American celebrity chef Matthew Kenney to create Folia. The word means "from the leaves" in Latin, and the exclusive menu offers fine plant-based cuisine across Four Seasons properties in Los Angeles, Bahrain and, soon, Dubai.
Kenney specialises in vegan cuisine and is the founder of Plant Food Wine and 20 other restaurants worldwide. "I’ve always appreciated Matthew’s work," says the Saudi royal. "He has a singular culinary talent and his approach to plant-based dining is prescient and unrivalled. I was a fan of his long before we established our professional relationship."
Folia first launched at The Four Seasons Hotel Los Angeles at Beverly Hills in July 2018. It is available at the poolside Cabana Restaurant and for in-room dining across the property, as well as in its private event space. The food is vibrant and colourful, full of fresh dishes such as the hearts of palm ceviche with California fruit, vegetables and edible flowers; green hearb tacos filled with roasted squash and king oyster barbacoa; and a savoury coconut cream pie with macadamia crust.
In March 2019, the Folia menu reached Gulf shores, as it was introduced at the Four Seasons Hotel Bahrain Bay, where it is served at the Bay View Lounge. Next, on Tuesday, November 1 – also known as World Vegan Day – it will come to the UAE, to the Four Seasons Resort Dubai at Jumeirah Beach and the Four Seasons DIFC, both properties Prince Khaled has spent "considerable time at and love".
There are also plans to take Folia to several more locations throughout the Middle East and Europe.
While health-conscious diners will be attracted to the concept, Prince Khaled is careful to stress Folia is "not meant for a specific subset of customers. It is meant for everyone who wants a culinary experience without the negative impact that eating out so often comes with."
