Heidi Kramer wraps herself in the Honduran flag as she prepares for the World Cup.
Heidi Kramer wraps herself in the Honduran flag as she prepares for the World Cup.

Honduras fans fly flag and hope for 'a bit of dignity'



Heidi Kramer, a Honduran, is busy playing tour guide in Dubai this week. Ms Kramer, who manages the executive lounges in the souk at Madinat Jumeirah, has hosted five guests from Honduras passing through on their way to South Africa to watch the World Cup. "It is hectic," says Ms Kramer, 26. "People from Honduras travel a lot to see the team play. The support is always there." Victor Aparico, 32, one of Ms Kramer's guests, who arrived in Dubai on Monday and left on Wednesday, says he heard from a friend at the Honduras Football Association that about 5,000 people were travelling to South Africa from his country.

"We don't expect to do much, but it is our first time in the World Cup since '82 so everyone is pretty excited about it," says Mr Aparico, 32, a restaurant owner from San Pedro Sula, who will have flown more than 25 hours to get to South Africa. In Honduras, the government had declared the national team's match dates as holidays. Ms Kramer, whose German father was born and raised in Honduras, says she has missed the support of fellow Hondurans in the UAE. She had lived here for two years without meeting another person from her homeland - until last month, when she heard someone speaking Spanish at Madinat Jumeirah. That Honduran introduced her to about 10 others from Dubai and Abu Dhabi. "Can you believe it? It's crazy," she says. "I tell people I am from Honduras and they look at me like 'What are you talking about?'

"The best thing about meeting them was they had my food. I was able to eat most of the things I don't see here." Ms Kramer, who left Honduras about nine years ago, has never seen Honduras compete in the World Cup. "I had to wait quite a while," she says. Her new friends hope that Honduras, ranked 38th in the world by Fifa, can win a match or "at least leave the World Cup with a little bit of dignity", says Cynthia Harp, 46, who left Honduras in 1986.

Mrs Harp, a mother of two, can recall Honduras's last appearance in the World Cup. She remembers vaguely the "Football War" of 1969 between Honduras and El Salvador, four days of fighting that had its roots in border, land and immigration issues. With that as a backdrop, three World Cup qualifying matches were played between the two nations in June in which travelling Honduran supporters were killed and national flags and anthems insulted. In Honduras, Salvadoran migrants were attacked and thousands fled. Eventually, diplomatic relations were severed as El Salvador won the decisive qualifying match 3-2.

One month later, the Salvadoran army launched military action against Honduras, starting a war that killed thousands of people. Thousands more were displaced. "I was very young and my dad was a pilot at the time," Mrs Harp says. "He used to fly with the air force and transfer injured soldiers, and I remember being in my grandmother's house with the lights on, stuck in the house, and we couldn't get out."

Relations between the two countries are normal now. For this World Cup, supporters like Mrs Harp, who has lived in the UAE for 13 years, can focus strictly on the football. "I think we have good players, so I hope to perhaps move to the second round," she says. "But we have not won any games during the warm-up games.People in Honduras are a bit sceptical, but other people are hoping just for the team to do a good job."

mchung@thenational.ae

COMPANY PROFILE
Name: Airev
Started: September 2023
Founder: Muhammad Khalid
Based: Abu Dhabi
Sector: Generative AI
Initial investment: Undisclosed
Investment stage: Series A
Investors: Core42
Current number of staff: 47
 
Joker: Folie a Deux

Starring: Joaquin Phoenix, Lady Gaga, Brendan Gleeson

Director: Todd Phillips 

Rating: 2/5

The specs

Engine: 1.5-litre 4-cylinder petrol

Power: 154bhp

Torque: 250Nm

Transmission: 7-speed automatic with 8-speed sports option 

Price: From Dh79,600

On sale: Now

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.

COMPANY PROFILE
Name: HyperSpace
 
Started: 2020
 
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
 
Based: Dubai, UAE
 
Sector: Entertainment 
 
Number of staff: 210 
 
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners
 
 
 
 
 
 
 
COMPANY PROFILE
Name: ARDH Collective
Based: Dubai
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Sector: Sustainability
Total funding: Self funded
Number of employees: 4
COMPANY%20PROFILE%20
%3Cp%3E%3Cstrong%3ECompany%20name%3A%20%3C%2Fstrong%3EAlmouneer%3Cbr%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%202017%3Cbr%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20Dr%20Noha%20Khater%20and%20Rania%20Kadry%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EEgypt%3Cbr%3E%3Cstrong%3ENumber%20of%20staff%3A%20%3C%2Fstrong%3E120%3Cbr%3E%3Cstrong%3EInvestment%3A%20%3C%2Fstrong%3EBootstrapped%2C%20with%20support%20from%20Insead%20and%20Egyptian%20government%2C%20seed%20round%20of%20%3Cbr%3E%243.6%20million%20led%20by%20Global%20Ventures%3Cbr%3E%3C%2Fp%3E%0A
if you go

The flights

Etihad, Emirates and Singapore Airlines fly direct from the UAE to Singapore from Dh2,265 return including taxes. The flight takes about 7 hours.

The hotel

Rooms at the M Social Singapore cost from SG $179 (Dh488) per night including taxes.

The tour

Makan Makan Walking group tours costs from SG $90 (Dh245) per person for about three hours. Tailor-made tours can be arranged. For details go to www.woknstroll.com.sg

Bio

Born in Dibba, Sharjah in 1972.
He is the eldest among 11 brothers and sisters.
He was educated in Sharjah schools and is a graduate of UAE University in Al Ain.
He has written poetry for 30 years and has had work published in local newspapers.
He likes all kinds of adventure movies that relate to his work.
His dream is a safe and preserved environment for all humankind. 
His favourite book is The Quran, and 'Maze of Innovation and Creativity', written by his brother.

Jigra
Director: Vasan Bala
Starring: Alia Bhatt, Vedang Raina, Manoj Pahwa, Harsh Singh
Rated: 3.5/5

Middle East Today

The must read newsletter for the region

      By signing up, I agree to The National's privacy policy
      Middle East Today