The sultanate now has over 50,000 cases of coronavirus. Silvia Razgova / The National
The sultanate now has over 50,000 cases of coronavirus. Silvia Razgova / The National
The sultanate now has over 50,000 cases of coronavirus. Silvia Razgova / The National
The sultanate now has over 50,000 cases of coronavirus. Silvia Razgova / The National

Oman revises evening lockdown and lifts local travel restrictions


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Oman will reduce the hours of the evening lockdown but will lift movement between regional towns starting from August 8, the national committee responsible for the pandemic said on Wednesday.

Oman’s evening restrictions between 7pm to 6am started on July 25 and ends on August 8 together with the travelling restrictions between regional towns.

The National Supreme Committee for Covid-19 on Wednesday completely lifted the lockdown between regions but reduced the evening curfew from 9 pm to 5 am starting from August 8 to August 15.

“This decision has been reached after the committee reviewed reports of the pandemic development in the country during the lockdown period,” the  committee responsible for Covid-19 said.

But the lockdown restrictions will still apply for the southern region of Dhofar for an indefinite period, locking it out from the rest of the country.  
Ten days ago, Oman's government hospitals stopped testing people with minor symptoms for the virus saying the hospitals needed room to deal with more critical cases. Currently, only private hospitals do testing for about 70 rials (Dh693) per test. The government hospitals are testing only patients with serious symptoms or who have been admitted.
The Ministry of Health also stopped reporting the number of infected people during the Eid holidays expected to end on August 8. At the last count, a day before the Eid holiday that started on July 31, the Ministry of Health then reported 79,159 infected cases in the country with 422 deaths while 61,421 people recovered.

UAE currency: the story behind the money in your pockets
Lexus LX700h specs

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Petrofac issues a business update to execute the restructuring and confirms it will appeal the Court of Appeal decision

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Petrofac loses a major TenneT offshore wind contract worth €13 billion. Holding company files for administration in the UK. Petrofac delisted from the London Stock Exchange

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It's up to you to go green

Nils El Accad, chief executive and owner of Organic Foods and Café, says going green is about “lifestyle and attitude” rather than a “money change”; people need to plan ahead to fill water bottles in advance and take their own bags to the supermarket, he says.

“People always want someone else to do the work; it doesn’t work like that,” he adds. “The first step: you have to consciously make that decision and change.”

When he gets a takeaway, says Mr El Accad, he takes his own glass jars instead of accepting disposable aluminium containers, paper napkins and plastic tubs, cutlery and bags from restaurants.

He also plants his own crops and herbs at home and at the Sheikh Zayed store, from basil and rosemary to beans, squashes and papayas. “If you’re going to water anything, better it be tomatoes and cucumbers, something edible, than grass,” he says.

“All this throwaway plastic - cups, bottles, forks - has to go first,” says Mr El Accad, who has banned all disposable straws, whether plastic or even paper, from the café chain.

One of the latest changes he has implemented at his stores is to offer refills of liquid laundry detergent, to save plastic. The two brands Organic Foods stocks, Organic Larder and Sonnett, are both “triple-certified - you could eat the product”.  

The Organic Larder detergent will soon be delivered in 200-litre metal oil drums before being decanted into 20-litre containers in-store.

Customers can refill their bottles at least 30 times before they start to degrade, he says. Organic Larder costs Dh35.75 for one litre and Dh62 for 2.75 litres and refills will cost 15 to 20 per cent less, Mr El Accad says.

But while there are savings to be had, going green tends to come with upfront costs and extra work and planning. Are we ready to refill bottles rather than throw them away? “You have to change,” says Mr El Accad. “I can only make it available.”

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British aristocrat Lord Carnarvon, who funded the expedition to find the Tutankhamun tomb, died in a Cairo hotel four months after the crypt was opened.
He had been in poor health for many years after a car crash, and a mosquito bite made worse by a shaving cut led to blood poisoning and pneumonia.
Reports at the time said Lord Carnarvon suffered from “pain as the inflammation affected the nasal passages and eyes”.
Decades later, scientists contended he had died of aspergillosis after inhaling spores of the fungus aspergillus in the tomb, which can lie dormant for months. The fact several others who entered were also found dead withiin a short time led to the myth of the curse.

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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