Illustration Gary Clement for The National
Illustration Gary Clement for The National

Physical connections not splendid isolation



You don't choose your family, but you can choose your neighbours - to an extent.
It's election season, folks - an incomplete Wikipedia list shows 46 countries going to the polls this year. Voters are being encouraged to think through how they want to live, what kind of communities they'd like to be part of and who they accept as potential neighbours.
People living here are involved. Someone I know is flying to the UK this week to hand out leaflets and support the Brexit campaign. He lives in Dubai with his family, but wants house prices in his home country to come down to earth and be affordable places to live.
Having kept up mortgage payments there when their home was worth less than the price paid, they never want to be put through that stress again. This is why they're selling up and crystallising the capital gains. That family wants house prices to come down (after pocketing their profit) for the greater, and their own personal, good - which will be helped it's assumed, if Vote to Leave wins.
On the other side of the ocean, electioneering ramped up the volume last week with Donald Trump's 70th birthday celebrations. He made a major part of his wealth from real estate plays as well as selling his image. Do you remember him beaming down on us from the billboards selling Dubai's Akoya last year?
Politics is about division. I'm taking a step back from all this and looking at what unites us.
Turns out that our ideal communities are tied to our politics. A Pew survey in 2014 found a marked, literally down the line split in how conservatives and liberals in the US want to live. It was 49 per cent vs 48 per cent of those polled.
One group wants the bigger house, more separation from the neighbours, and are happy to have restaurants and schools at driving distance away.
The other wants smaller ­houses closer together with amenities they can walk to.
Can you match the lifestyle with the political leaning?
A few months ago I heard Alex Steffen, futurologist and tree-hugger, say that young urban­ites in the US are seeking less space to live in, and more shared space outside to explore, use, walk to and enjoy. They can't all be liberals.
My hope is that this becomes a sustained backlash against the increasing norm to dine alone - and to make more real connections with people and surroundings. Marry this with affordability - or the lack of it, and you get the following: dorms for adults. Think student accommodation meets hotel standards and services. They're essentially luxury bedsits with shared kitchens, eating and socialising areas, and they're popping up in many cities around the world. The more upmarket versions provide everything from toilet roll to yoga classes and an array of restaurants.
It's capitalist flatshare heaven meets (solvent) socialist sensibilities.
For investors, it seems to be the next step on from putting ­money in student accommodation - I'm sure you've seen various developments for sale touting "guarantees" on rental yield.
According to those building these co-sharing developments, it costs around £250 (Dh1,303) per week to live in a co-living space, making it 25 per cent cheaper than a studio and about 25 per cent more expensive than getting a room on Craigslist. The appeal is across generations and phases of life. Some of these cohabit places have a ­creche, and organise regular pot luck dinners and various workshops.
A current marketing mantra is that people want to buy experiences, not "stuff". I just think we want to have a life. One where we have a bit of cash in our pocket and get to make friends and socialise with them. We crave more physical connections with people we like and experiences we want. I think this is a good place to stop as I'm giving away a lot more than my money and life views here.
Nima Abu Wardeh describes herself using three words: Person. Parent. Pupil. Each day she works out which one gets priority, sharing her journey on finding-nima.com. You can reach her at nima@finding-nima.com and on Twitter at @nimaabuwardeh

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The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now
How the bonus system works

The two riders are among several riders in the UAE to receive the top payment of £10,000 under the Thank You Fund of £16 million (Dh80m), which was announced in conjunction with Deliveroo's £8 billion (Dh40bn) stock market listing earlier this year.

The £10,000 (Dh50,000) payment is made to those riders who have completed the highest number of orders in each market.

There are also riders who will receive payments of £1,000 (Dh5,000) and £500 (Dh2,500).

All riders who have worked with Deliveroo for at least one year and completed 2,000 orders will receive £200 (Dh1,000), the company said when it announced the scheme.

FIXTURES

All times UAE ( 4 GMT)

Friday
Saint-Etienne v Montpellier (10.45pm)

Saturday
Monaco v Caen (7pm)
Amiens v Bordeaux (10pm)
Angers v Toulouse (10pm)
Metz v Dijon (10pm)
Nantes v Guingamp (10pm)
Rennes v Lille (10pm)

Sunday
Nice v Strasbourg (5pm)
Troyes v Lyon (7pm)
Marseille v Paris Saint-Germain (11pm)

UAE currency: the story behind the money in your pockets
APPLE IPAD MINI (A17 PRO)

Display: 21cm Liquid Retina Display, 2266 x 1488, 326ppi, 500 nits

Chip: Apple A17 Pro, 6-core CPU, 5-core GPU, 16-core Neural Engine

Storage: 128/256/512GB

Main camera: 12MP wide, f/1.8, digital zoom up to 5x, Smart HDR 4

Front camera: 12MP ultra-wide, f/2.4, Smart HDR 4, full-HD @ 25/30/60fps

Biometrics: Touch ID, Face ID

Colours: Blue, purple, space grey, starlight

In the box: iPad mini, USB-C cable, 20W USB-C power adapter

Price: From Dh2,099

COMPANY%20PROFILE%20
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Why it pays to compare

A comparison of sending Dh20,000 from the UAE using two different routes at the same time - the first direct from a UAE bank to a bank in Germany, and the second from the same UAE bank via an online platform to Germany - found key differences in cost and speed. The transfers were both initiated on January 30.

Route 1: bank transfer

The UAE bank charged Dh152.25 for the Dh20,000 transfer. On top of that, their exchange rate margin added a difference of around Dh415, compared with the mid-market rate.

Total cost: Dh567.25 - around 2.9 per cent of the total amount

Total received: €4,670.30 

Route 2: online platform

The UAE bank’s charge for sending Dh20,000 to a UK dirham-denominated account was Dh2.10. The exchange rate margin cost was Dh60, plus a Dh12 fee.

Total cost: Dh74.10, around 0.4 per cent of the transaction

Total received: €4,756

The UAE bank transfer was far quicker – around two to three working days, while the online platform took around four to five days, but was considerably cheaper. In the online platform transfer, the funds were also exposed to currency risk during the period it took for them to arrive.

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RESULT

Manchester United 2 Tottenham Hotspur 1
Man United: Sanchez (24' ), Herrera (62')
Spurs: Alli (11')

Tank warfare

Lt Gen Erik Petersen, deputy chief of programs, US Army, has argued it took a “three decade holiday” on modernising tanks. 

“There clearly remains a significant armoured heavy ground manoeuvre threat in this world and maintaining a world class armoured force is absolutely vital,” the general said in London last week.

“We are developing next generation capabilities to compete with and deter adversaries to prevent opportunism or miscalculation, and, if necessary, defeat any foe decisively.”

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Libya's Gold

UN Panel of Experts found regime secretly sold a fifth of the country's gold reserves. 

The panel’s 2017 report followed a trail to West Africa where large sums of cash and gold were hidden by Abdullah Al Senussi, Qaddafi’s former intelligence chief, in 2011.

Cases filled with cash that was said to amount to $560m in 100 dollar notes, that was kept by a group of Libyans in Ouagadougou, Burkina Faso.

A second stash was said to have been held in Accra, Ghana, inside boxes at the local offices of an international human rights organisation based in France.

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World record transfers

1. Kylian Mbappe - to Real Madrid in 2017/18 - €180 million (Dh770.4m - if a deal goes through)
2. Paul Pogba - to Manchester United in 2016/17 - €105m
3. Gareth Bale - to Real Madrid in 2013/14 - €101m
4. Cristiano Ronaldo - to Real Madrid in 2009/10 - €94m
5. Gonzalo Higuain - to Juventus in 2016/17 - €90m
6. Neymar - to Barcelona in 2013/14 - €88.2m
7. Romelu Lukaku - to Manchester United in 2017/18 - €84.7m
8. Luis Suarez - to Barcelona in 2014/15 - €81.72m
9. Angel di Maria - to Manchester United in 2014/15 - €75m
10. James Rodriguez - to Real Madrid in 2014/15 - €75m

WHAT IS A BLACK HOLE?

1. Black holes are objects whose gravity is so strong not even light can escape their pull

2. They can be created when massive stars collapse under their own weight

3. Large black holes can also be formed when smaller ones collide and merge

4. The biggest black holes lurk at the centre of many galaxies, including our own

5. Astronomers believe that when the universe was very young, black holes affected how galaxies formed