Tweet
It's real, It's from Karama
Tweet
Best Marzipan Cake Ever!
The other half recently baked the most amazing cake for me that I have ever tried. It is spongy, moist and so full of flavour. It must be the ultimate marzipan cake. Some people don't like marzipan, but the marzipan flavour is not overpowering in any way. It's more like an almond favour with benefits.
The marzipan in the cake, however, helps giving the cake its characteristics and its moistness.
Ingredients:
250 grams butter - preferably unsalted (softened)
250 grams marzipan (softened)
150 grams caster sugar
¼ teaspoon almond essence
1 tsp vanilla powder / or seeds from a vanilla pod
6 large eggs
150 grams all-purpose wheat flour
1 tsp baking soda
You will need a 25cm / 10 inch springform tube pan or patterned ring mould, buttered and floured.
Preheat oven to 170ºC/gas mark 3. Chop the butter and marzipan to make them easier to break down, and put them in a bowl and use an electrical mixer, with the sugar. Mix until combined and pretty well smooth. Add almond essence and vanilla powder/seeds, process again, then break the eggs one at a time, mixing again each time. Add the flour and baking soda, mix yet again, and then pour the mixture into the prepared tin, scraping the sides and bottom with a rubber spatula.
Bake for 50 minutes, but check from 40. Then, when the cake looks golden and cooked and a cake-tester or fine skewer comes out cleanish, remove from the oven and leave to cool in the tin before turning out.
The fact that you could easily get 12 slices out of this is another reason why it comes in useful when you've got people coming for dinner or tea. That it keeps for a good week is another point in its favour (if you can keep off it!); you don't have to be fiddling around with all the courses just before lift-off.
It's really a variation over the pound cake. But so much more interesting than the original. It may cost a few pounds to bake it, but its yumminess guarantees that you will gain a few pounds once you start eating it. Not a healthy creation, but it's heaven on a plate. Go on: get baking!
Tweet
Rents on the rise in Dubai
It's history repeating:
Rents in Dubai have shot up sharply in the last six months, in some cases leaping more than 50 per cent, leaving many middle income expats in a bind.
Annual average rents for a 1-bedroom apartment in Bur Dubai have risen to Dh40,000 –Dh65,000 (up to £10000) from Dh30,000 to Dh55,000, while in Discovery Garden they rose from about Dh40,000 to over Dh50,000 now and even in the relatively affordable communities like International City, rents for a one-bedroom apartment have risen from Dh25,000 to more than Dh40,000 in the last six months.
Sharjah has always been a magnet for middle income expats who preferred to stay there and work in Dubai, braving maddening traffic bottlenecks and long travel hours. However when the market dipped in 2008-09 and rents in Dubai plummeted, many of these expats began moving to areas like International City, Discovery Gardens and JLT in Dubai.
However, their joy has been short-lived. Many of the residents moving back to neighbouring emirates now say they do not mind extra commuting time if it meant huge savings in rents.
With the current spikes in rent, it's like traveling in time back to 2007 when rents were becoming almost unaffordable to even quite well-paid expats. Being relatively new to Dubai at the time, rents were horrific and it was difficult to even find a place to live. For more than a year, my only option was to rent a room in a house sharing kitchen and bathroom with several other tenants. A practice that was illegal, but there was no other choice for me at the time. I paid Dh5,000 for a room with a bed and a cupboard not even 100 sq. ft. Renting a villa in - say - The Meadows would set you back 250-400K a year.
Traffic was horrendous back then, especially if you were traveling to/from Sharjah or Ajman which could easily take a couple of hours during rush hour - and you can begin to see it coming back to a similar situation now.
My latest rent was Dh60.000 for a two-bed in Tecom in 2012. The landlord is now asking Dh85.000 for it - much more than the maximum allowed annual increase, but he can easily get that kind of money for it. It may soon again come to a point where expats may have to consider if staying in Dubai paying atrocious rents is really worth it or if they should move to one of the other emirates - or away from the UAE altogether.
Tweet
How not to leave Dubai broke
It's not rocket science. It's common sense, really: If you earn Dh20,000 per month and have no money left in your account by month end, you are likely to retire from the UAE no better off than a tea boy.
Yet this is the sad truth for thousands of expats who come here with dreams of making big money, only to end up broke with hardly any savings to write home about, after years spent on living the high life or lured by shopping festivals and discount offers. Those who succumb to the temptation to upgrade — to a nicer car, a bigger villa, the latest gadgets — are in effect trading their present for a bad future. They are de facto loosing out on their once in a lifetime opportunity of building up their life savings whilst being tax-free.
Take the case of Richard, a European working in Dubai for seven years. The 42-year-old has no children, but has racked up a combined debt of Dh210,000 on five credit cards, and has a Dh90,000 car loan. His rent, food and bills take up most of his Dh26,000 pay cheque, with nothing left at the end of the month.
Dev, 40, a divorced airline executive, gets free accommodation and does not have a lavish lifestyle. But family commitments prevent him from saving anything.
He earns well, has no debt, but also has no savings — not even an emergency fund.
When you come and live and work in Dubai, the attraction of tax-free earnings would suggest that the majority of people would build up decent savings to help them in their future.
But the rapidly increasing fixed costs of living eat into monthly salaries. Large shopping malls and the ‘eating out’ culture — to name just two of Dubai’s attractions — take away whatever is left.
The temptation to upgrade to a bigger apartment/villa, a nicer car — and the high cost of schooling for children — is also a constant challenge for expatriate families.
So how does one get out of the rut? Probably the best piece of advice you can get is to take a step back: Accept that your time in Dubai with tax-free savings may be limited.
Maximise your time here by listing your financial priorities. Most debt-laden expatriates have also had to part with their end-of-service (ESB) or "gratuity" benefits, which banks collect at the first sign that a person has lost his job.
In 2010, UAE authorities and the International Labour Organisation discussed establishing a pension fund for expatriate workers to guarantee they receive their ESB.
In March 2012, a senior official of the Department of Economic Development in Dubai (DED) said they have completed a feasibility study for an expat pension fund, which was to be launched by end-2012 after clearance from relevant authorities. How ever unlikely it may seem, if pushed through, Dubai could become the first Gulf state to launch a pension fund for expatriates.
UAE lawyer Mohammad Al Suwaidi thinks that a pension fund is a step in the right direction. “It’s a good idea, but it needs sound regulations from the start.”
Al Suwaidi said, however, that clubbing an employees pension fund with their ESB may be problematic, since by the definition an ESB - as per the very unique and tricky UAE Labour Law - is only due when an employee’s service comes to an end after a minimum period of service and grows over time as an employee’s salary rises.
Other experts also feel a pension fund would help protect expats in their old age.
Most expats are capable of saving at least 10 per cent of their salary, but they are reluctant to alter their lifestyle. There is a vast amount of expats who spend a lot, get into debt and leave broke. This applies especialy to younger Western expats and people earning less than, say, Dh8,000 per month who are struggling to survive, especially when they send money home for families.
UAE-based Americans and citizens of EU-countries do save and invest at least four times the equivalent of their counterparts back home.
An example is Andrew, a 55-year-old from Manchester, who moved to Dubai in 2006 with his wife. The parents of two started to save $500/£350 (Dh1,836) per month, and then grew it periodically. In recent years, the wife has paid all of her salary into their investment plan to prepare for retirement. Their joint investments now exceed $300,000/£200,000, with three or four more years of saving before going home.
Another British expatriate Robert, 56, a managing director of a consultancy agency, blames the weather and the many “distractions”. For much of the year it’s too hot to do anything else — either you stay at home or you can go to the mall. If you go to the mall, you don’t just go there to walk, you’re tempted to spend and buy things. Expats also face the situation of paying everything in advance — rent, school, etc.
Many expats come from countries where there are no school fees. Not many people have the luxury of their company paying for these expenses so they end up borrowing money to pay for these things. People come here and they do not realise that you need to pay for a lot of things in advance.
Another major culprit, as countless expats will have experienced, is the relatively easy access to credit cards.There’s no central database in monitoring the bank customers’ personal borrowings. This allows expats the opportunity to borrow too much money and too easily.
DO’S and DON’TS
- Pay yourself first. Include savings in your budget. Investing in National Bonds is a good start (it prevents you from buying things you don’t need, like more expensive cars or accommodation).
- Think of it as rescuing the old man/woman (you in future) from the follies of the young man/woman, (you today).
- Saving between 10-20 per cent of your pay is a good guide.
- Have emergency funds – between two to three month’s salary — in a deposit account
- Diversify. Do not to put your ‘eggs in one basket’. Hierarchy of diversification: a) Cash in the bank is secure and accessible; 2) owning a property, which generally increases in value; 3) combine other assets classes such as stocks and managed fund, as these offer good long-term growth potential
Live for today, but also plan for tomorrow. Life is about balance. Enjoy your time in Dubai, but work on personal financial plan
Balance your own interests against your family’s demands/needs. Due to cultural traditions among Asians, many send home a fair percentage of their salaries, which can sometimes be a drain and pressure on those people living here
Don’t buy a new car on mortgage, especially if your existing one still works fine
WHY IS INSURANCE IMPORTANT?
Basically, being in the UAE, you're on your own. No one is going to save you if your should be suffer a serious illness or be involved in an accident that incapacitates you. Taking outa proper insurance is a must - moreso here than in most places. You're an expat and your home country may not be inclined to help you if need be.
There are many types of insurance, but basic protection should cover income (or loss of it), health, life and investments. Buy insurance that works for you
Some insurance packages also offer investment-like features, allowing you to gain from market growth while protecting yourself and loved ones
USE CURRENCY HEDGING?
Hedging is a way to guard against foreign exchange fluctuations. If you invest in a fund and the growth is good over a 12-month period but the currency moves against your base currency, then this growth could be wiped out.
In Dubai, where the majority of people are paid in dirhams (fixed against the US dollar), a practical approach is to use dollar as the currency to start your savings. Then you could switch to your base currency in the future when the currency exchange rate is to their advantage, said Ormond
HOW TO INCREASE YOUR SAVINGS
- a few tips:
• Consider saving as a mandatory expense
• Open a savings account that’s harder to get to than your checking account
• Systematically (monthly) save to that isolated account on a regular basis
• Pair your raises with increase in savings
• Set milestones with rewards
• Write down expenses in three to six-month goals
• See where your money is going (A daily coffee may cost you only Dh12, but if you add that up over a one-year period, this could set you off Dh5,400)
Before buying electronics, jewellery or fashion items on impulse, wait 30 days (you might realize you don’t need those things at all. This could save you thousands by the end of the year)
Remember: Saver’s remorse is non-existent. No one complains about having money in the bank. But if you buy that new car, phone or tablet during a promotion, you may regret it soon afterwards.
And you money will be gone.
Tweet
Happy Happy People
Tweet
Epitaph for Dubai
Tweet
Walahi habibi, yalla, yallah!

So after a solid break it seems an appropriate time to pick-up blogging again.
Yes, I am still here in Dubai where the sun always shines, soldiering on in the City of Life. The above constituting approximately half of my Arabic vocabulary meaning Something like “Right, Darling, let’s go, come on”. So I will make an effort to get on with it, see if once again I can make blog become a kind of diary, a way to sort-out my thoughts and get my writing skills brushed-off. It’s so easy not to use them properly on an everyday basis in this country. There are so many other things to do, loads of distractions and hundreds of procrastinations that at times seem to lure me into neglecting writing. Distractions, like the idiot on the street outside the barrier to our covered parking area beeping away to make the security guard come out and open it. Too lazy to get out of his car and walk into reception to get the guard’s attention. Instead he is using the horn, which must be annoying everybody in the nearby buildings. But this is normal here. It’s all about me-me-me – the rest of the lot can go elf themselves. I want what I want and I want it now! It pisses me off all the time, but what to do about it, yani? It is definitely part of culture here. Even the taxi drivers are constantly beeping away when they pass you on the street to make you aware of their presence convinced that a middle-aged European male walking the limited pavements slash sand pits in Tecom must be in desperate need for a lift. “Hunk if you’re horny, habibi!” Not!
We have moved to Tecom, a very nice area near The Greens and opposite Internet City and Knowledge Village with one of the true landmarks of Dubai, the Al Kazim twin towers just across Sheikh Zayed Road, build to resemble the Crysler Building in New York City (only there are two of them). Location-wise it is perfect; everywhere we would want to go can be easily reached by car or even Metro. Tecom is really an up-and-coming neighbourhood in what is normally referred to as “New Dubai”. The whole area is but a few years old. We have lived in our beloved apartment for over a year now. It is a well-maintained building, a good landlord and a fair deal regarding rent. They even lowered the rent slightly at renewal even though rents in our area seem to have stabilised following the last two-years of decreasing rents in the wake of the credit crunch. We have a great two-bed apartment with a nice balcony. Needless to say there is a pool and sunbathing area on the rooftop and two gyms (gents' and ladies’) with all sorts of torture equipment in the building, full-time janitors keeping everything immaculately clean – and offering their services washing the residents’ cars 12 times a month for 100 Dirhams. 24hr security. And a covered parking space per flat downstairs where the above-mentioned idiot has just been let in after a good few minutes’ worth of being horny.
Still, it really is a good life here in Tecom, in our little apartment in the city where the sun always shines. City of Life.
Tweet
Ramadan Kareem

Tweet
Footprints in The Desert

Time resolutely continues its rhythmic and precisely measured circular motion and is only scarcely depicted in its presence on the clocks of the world; the treadmill of time. It is already late in the summer. August relieves July in a few days and I can tear-off another page of the calendar, add another month to my expatriation. It´s been ages since I left Denmark, but I do not quite get it. It really feels as if it was just a few months ago. My sense of time has deteriorated proportionately with my time spend abroad. Where did time go when it went? Was it brutally sucked out through the ventilation ducts of eternity? Was it carelessly flushed out through dubious drains of infinity? Did it voluntarily jump down the rubbish chutes of transience?
Whatever happened to it, one thing is certain: time passed is gone for good and it has no intention of coming back to me. Time is fragile. Time is precious. Time is fleeing. Time rapidly erodes like footprints in the desert.
Ideas are like stars; you cannot reach out and touch them with your hands. But as for the seafarer stuck in a wilderness of water, they can show you the way and if you follow them, you will meet your destiny.
The idea was to move far, far away from Denmark, go for a new adventure, challenge myself and start all over again in a foreign place. Sometimes I feel that I am still at the beginning, that I have only just arrived here and that I am far from being established properly yet. Other times, I catch myself out having actually established some kind of normal life here – I have even gotten used to most of the things about life in Dubai, which are far from normal for a Dane. I find myself having established new trade patterns, paved new roads and established a new, steadily growing network of friends and people that surround me and help keeping me alive.
It is my everyday life, it is my everything and I love it, my life here in Dubai.
So, who am I? What am I? Which are the terms I would use to define myself in light of my age, my background, my years spend here in the UAE with all it has brought me?
Change is my passion, progressive and creative thinking my style, insight my ability, openness my way of communication, travelling my desire, experience my drug, kindness my philosophy, understanding my process, performance my talent, experience my result.
I appreciate people with real and decent behaviour and I respect talent and wholesome attitudes.
I love our world, thrive in most places, I love to write, read books, cook, make photographs and listen to music.
I embrace good, healthy and close relationships and friendships and I yearn earnestly for proper cheese when I am in foreign countries.
Paradox is my answer.
Tweet
Hello again!
I'm back!
As a blogger, as an observer to life as it evolves in Dubai, as a misplaced Dane still hanging in here in the slightly scruffier but still glamorous oasis that surrounds us. For various reasons, I have decided that from now on, I will tell my story in English - not least to the benefit of those less fortunate amongst us who never got around to learn to speak or understand Danish. There is hope for those few as well.
I will start my return to the blogging universe by describing life as it looks from here these days and from behind my eyes. So much has changed. So many people and good friends left Dubai. Sometimes, it seems like a completely new life here. New friends, new people, new circumstances. Loads of new challenges. Everything seems very different from when I first came to this Country of Contrasts.
I have missed blogging so, so much and I cannot wait to once again let you know about this peculiar sandpit of ours and the people who have chosen to live their lives here where the sun always shines.
I shall be back shortly!
Tweet

