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Displaced Iraqi women from Tal Afar make bread in Salamya camp, east of Mosul, Iraq on August 6, 2017. Khalid Al Mousily / Reuters
Displaced Iraqi women from Tal Afar make bread in Salamya camp, east of Mosul, Iraq on August 6, 2017. Khalid Al Mousily / Reuters

Iraq starts offensive to take back Tal Afar from ISIL



Iraqi security forces launched on Sunday an offensive to take back the city of Tal Afar, their next objective in the US-backed campaign to defeat ISIL militants, prime minister Haider Al Abadi said.

"You either surrender, or die," Mr Abadi said in a televised speech announcing the offensive, addressing the militants.

A longtime stronghold of hardline Sunni insurgents, Tal Afar, 80 kilometres west of Mosul, was cut off from the rest of the ISIL-held territory in June.

The city is surrounded by Iraqi government troops and Shiite volunteers in the south, and Kurdish Peshmerga fighters in the north.

About 2,000 battle-hardened militants remain in the city, according to US and Iraqi military commanders.

They are expected to put up a tough fight, even though intelligence from inside the city indicates they have been exhausted by months of combat, aerial bombardments, and by the lack of fresh supplies.

Hours before Mr Abadi's announcement, the Iraqi air force dropped leaflets over the city telling the population to take their precautions. "Prepare yourself, the battle is imminent and the victory is coming, God willing," they read.

ISIL's self-proclaimed "caliphate" effectively collapsed last month, when US-backed Iraqi forces completed the takeover of the militants' capital in Iraq, Mosul, after a nine-month campaign.

But parts of Iraq and Syria remain under its control, including Tal Afar, a city with a pre-war population of about 200,000.

Tal Afar experienced cycles of sectarian violence between Sunnis and Shiites after the US-led invasion of Iraq in 2003, and has produced some of ISIL's most senior commanders.

Waves of civilians have fled the city and surrounding villages under cover of darkness over the past weeks, although several thousand are estimated to remain, threatened with death by the militants who have held a tight grip there since 2014.

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Residents who left Tal Afar last week told Reuters the militants looked exhausted.

"[Fighters] have been using tunnels to move from place to place to avoid air strikes," said 60-year-old Haj Mahmoud, a retired teacher. "Their faces looked desperate and broken."

The main forces taking part in the offensive are the Iraqi army, Federal Police and the elite US-trained Counter-Terrorism Service (CTS), Iraqi commanders told Reuters.

Shiite Popular Mobilisation Forces (PMF), some of which are trained and armed by Iran, said they will also take part in the battle. Their involvement is likely to worry Turkey, which claims an affinity with the area's predominantly ethnic Turkmen population.

The US-led coalition said over the past days it had carried out dozens of air strikes on Tal Afar, targeting weapons depots and command centres, in preparation for the ground assault.

"Intelligence gathered shows clearly that the remaining fighters are mainly foreign and Arab nationals with their families and that means they will fight until the last breath," Col Kareem Al Lami, from the Iraqi army's 9th Division, told Reuters earlier this week.

But Col Lami said Tal Afar's open terrain and wide streets will allow tanks and armoured vehicles easy passage. Only one part of Tal Afar, Sarai, is comparable to Mosul's Old City, where Iraqi troops were forced to advance on foot through narrow streets moving house-to-house in a battle that resulted in the near total destruction of the historic district.

The UN's International Organisation for Migration (IOM), estimates that about 10,000 to 40,000 people are left in Tal Afar and surrounding villages. Aid groups say they are not expecting a huge civilian exodus as most the city's former residents have already left.

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All couples are unique and have to create a financial blueprint that is most suitable for their relationship, says Vijay Valecha, chief investment officer at Century Financial. He offers his top five tips for couples to better manage their finances.

Discuss your assets and debts: When married, it’s important to understand each other’s personal financial situation. It’s necessary to know upfront what each party brings to the table, as debts and assets affect spending habits and joint loan qualifications. Discussing all aspects of their finances as a couple prevents anyone from being blindsided later.

Decide on the financial/saving goals: Spouses should independently list their top goals and share their lists with one another to shape a joint plan. Writing down clear goals will help them determine how much to save each month, how much to put aside for short-term goals, and how they will reach their long-term financial goals.

Set a budget: A budget can keep the couple be mindful of their income and expenses. With a monthly budget, couples will know exactly how much they can spend in a category each month, how much they have to work with and what spending areas need to be evaluated.

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Money date nights: Talking about money should be a healthy, ongoing conversation and couples should not wait for something to go wrong. They should set time aside every month to talk about future financial decisions and see the progress they’ve made together towards accomplishing their goals.

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How to watch Ireland v Pakistan in UAE

When: The one-off Test starts on Friday, May 11
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