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    Thinking of getting a mortgage in Dubai? 5 essential steps to take

    Life

    by Ruman Baig
    3 hours ago

    Thinking of buying a property in Dubai? This guide offers valuable insights from Mollie Credland, a Mortgage Advisor at Espace.
    Mollie dives into the essential steps to prepare yourself for a mortgage in Dubai’s dynamic property market. She covers everything from understanding down payment requirements to navigating the associated costs of buying a home.
    How to Get Mortgage Ready in Dubai?

    Know What You Can Afford & the Down Payment Required
    If, like most people, you require a mortgage to purchase your home, an experienced mortgage advisor can be invaluable at this stage. Homeownership in Dubai requires a minimum down payment of 20% for properties under AED 5,000,000 and 30% for properties valued above AED 5,000,000 (for expats). Note that the Central Bank allows first-time buyers to borrow up to seven times their salary.
    Establish How Much You Can Borrow
    Borrowing limits and mortgage affordability are typically calculated the same way across all banks in the UAE. Your monthly liabilities—car loans, personal loans, new monthly installments, and a percentage of your credit card limits—must not exceed 50% of your total monthly income. This is known as your Debt to Borrowing Ratio.
    Understand the Associated Costs of Buying Your New Home
    Many people make the mistake of simply applying for a mortgage which only covers the price of the house they want to buy. There are several extra costs involved in buying a property and when you are calculating the amount you’ll need to borrow, it’s important you take the following into consideration.
    – Dubai Land Department Fee: 4% of the purchase price + AED 580– Mortgage Registration Fee: 0.25% of the loan amount + AED 290 –– Real Estate Fee: 2% of the purchase price– Property Valuation Fee: Can range between AED 2,500 – AED 3,5004.
    How to Choose a Mortgage Provider?
    One common mistake people make is going directly to their bank instead of exploring the market. It’s always best to consult an independent mortgage broker who can advise you on the best products available. When selecting a mortgage provider, consider interest rates, loan terms, fees, and customer reviews of the bank. There are 18 banks in the UAE currently offering mortgage lending. Many banks offer preferential interest rates if you move your salary to them (salary transfer), so consider this option if it suits your circumstances.
    Apply for a Mortgage Pre-Approval Letter
    A mistake we see time and time again is people missing out on their dream home due to not having obtained their mortgage pre-approval. The property market moves quickly in Dubai, and many buyers become disappointed when they lose out to a pre-approved buyer who can fully commit to purchasing the property. Pre-approval lasts 30 to 60 days (depending on the bank), is free of cost, has no obligation, and can even be extended. I advise securing your pre-approval as soon as you start your property search to avoid disappointment and stress later on.
    – For more on luxury lifestyle, news, fashion and beauty follow Emirates Woman on Facebook and Instagram
    Images: Instagram @visit.dubai  More

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    21 luxe Sheikh Hamdan-approved restaurants in Dubai

    Life

    by Sarah Joseph
    4 hours ago

    VIEW GALLERY/ 21 IMAGES
    When it comes to knowing the best restaurants to dine at in Dubai, His Highness Sheikh Hamdan bin Mohammed bin Rashid Al Maktoum always knows best.
    No stranger to Dubai’s foodie scene, when it comes to dining at the city’s fine-dining spots, Fazza knows best. From alfresco havens to new speakeasies, Dubai’s Crown Prince has paid a visit to a myriad of restaurants, to ensure he’s always on top of the food game.
    From sophisticated alfresco havens to all the authentic food choices, this royal is regularly seen dining out at some of the best F&B concepts Dubai has to offer.
    So, if you’re in need of some inspiration on where to dine next, Emirates Woman has curated a list of all the sophisticated restaurants that have received Sheikh Hamdan’s stamp of approval.
    – For more on luxury lifestyle, news, fashion and beauty follow Emirates Woman on Facebook and Instagram
    Images: Instagram @faz3 More

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    Rolls-Royce unveils Black Badge Cullinan Series II: A subversive evolution

    Emirates Man

    by Ruman Baig
    56 mins ago

    Rolls-Royce has unveiled the Black Badge Cullinan Series II, an evolution of their darkest alter ego.
    This new model caters to a distinct clientele seeking a bolder interpretation of the Rolls-Royce experience.
    Exterior Design
    The Black Badge Cullinan Series II boasts a striking front end with redesigned air intakes that hint at its increased dynamism. For the first time ever, the iconic Pantheon grille is illuminated, adding a touch of modern flair. The grille comes in Black with a silver horizon line or a full black finish for those seeking complete darkness. Every exterior detail, including the Spirit of Ecstasy figurine, is cloaked in Black. This extends to door handles and window surrounds for the first time. Black chrome accents and mirror-black exhaust treatments further emphasize the dark character.

    Clients can personalize the lower body surfaces with their choice of color, creating a visually lowered stance. The Black Badge Cullinan Series II rides on the largest wheels ever offered on a Black Badge Rolls-Royce – 23-inch wheels with a unique 10-spoke design. Red brake calipers add a signature pop of color.
    Subversive Interior Treatment
    Technical Carbon remains a hallmark Black Badge material, adorning the interior with its three-dimensional geometric pattern. The Black Badge infinity symbol can be integrated into the rear waterfall section or embroidered onto lounge seats. A new Duality Twill fabric, inspired by the bamboo groves of the French Riviera, offers a luxurious and sustainable option. This intricate textile can be further customized with bold Bespoke colorways.

    Perforated leather seats featuring an abstract cloud-inspired pattern add another layer of visual intrigue. Darkened air vents and a unique Black Spirit of Ecstasy figurine housed in the Clock Cabinet enhance the interior’s dark ambiance. For a truly futuristic touch, Black Badge Cullinan Series II offers Bespoke digital instrument dials in five neo-futuristic colorways.
    Proven Engineering with a Black Badge Twist
    The Black Badge Cullinan Series II retains the powerful 6.75-liter V12 engine with 600PS and 900Nm of torque. Calibrated for more immediate acceleration, the engine works seamlessly with the ZF eight-speed gearbox and steered axles to deliver an effortless yet dynamic driving experience. A “Low” mode unlocks the full potential of the Black Badge, altering exhaust note, sharpening throttle response,and increasing gear shift speed.

    A Bold Bespoke Statement
    The Black Badge Cullinan Series II embodies a distinct attitude within the super-luxury segment. It caters to a bold clientele who appreciate a subversive take on luxury and Rolls-Royce is committed to fulfilling their desire for audacious self-expression.
    – For more on how to look smart and live smarter, follow Emirates Man on Facebook and Instagram
    Images: Supplied by Rolls-Royce  More

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    Yes, Happiness Can Boost Productivity – Here’s How

    As humans, we’re constantly in the pursuit of happiness. And that pursuit grows, the more we learn about its benefits. Martin Seligman, considered the ‘Father of Positive Psychology’, said “…the happiest people tend to be those who pursue the full life– they infuse their life with pleasure, engagement and meaning”. With that in mind, could it be that happiness can boost productivity? Experts say yes. Here’s what you need to know.

    Meet The Expert: Nisha Rodgerson is a clinical psychologist with a special interest in neurodiversity and neuropsychology and works at The Couch.

    Why Happy People Are More Productive

    When it comes to boosting productivity in the workplace, there’s a lot of emphasis on processes and tools, but what many fail to recognise is the significant impact that a person’s mood and emotional well-being can have on productivity levels. “When we’re happy, we’re more likely to approach tasks with enthusiasm and energy, leading to greater focus, efficiency and effectiveness,” explains Nisha Rodgerson. “Also, a positive mindset enables individuals to adapt more readily to challenges and setbacks, maintaining momentum and productivity even in the face of adversity.”

    Your Brain Under Stress

    It all has to do with brain chemistry. “The brain undergoes remarkable changes depending on our emotional state,” says Rodgerson.

    “When we experience happiness, the brain releases neurotransmitters such as dopamine and serotonin, which are associated with feelings of pleasure and contentment. Conversely, during periods of sadness or stress, the brain may produce higher levels of cortisol, the stress hormone. This can impair cognitive function and decision-making abilities.”‌

    While some people may work well under pressure – and may even claim to work better under pressure – there’s a difference between the thrill of an imminent deadline and the chronic stress that comes with feeling like you’re constantly behind or working in an environment that makes you unhappy.

    “During periods of stress, the brain’s stress response system, primarily involving the hypothalamic-pituitary-adrenal (HPA) axis, becomes activated. This leads to the release of cortisol and other stress hormones, which can have profound effects on brain function,” says Rodgerson. “Chronic stress has been associated with structural and functional changes in brain regions such as the hippocampus, amygdala and prefrontal cortex, which are involved in memory, emotion regulation and decision-making.” What this means? Missed deadlines, difficulty focusing, indecision and work that’s not up to scratch. Yikes. It gets worse. Unhappy workers are also more likely to have higher rates of absenteeism, as well as presenteeism (where you’re physically present but not doing anything constructive), says Rodgerson. “One’s attitude towards work plays a pivotal role in determining productivity levels”. 

    Building A Happier Workplace

    Fostering a workplace culture where people have a positive attitude towards work can go a long way towards improving the productivity of the business. “By prioritising happiness and well-being in the workplace, employers can unlock the full potential of their workforce, leading to increased productivity, creativity and overall organisational success.”

    Image by Freepik

    This goes beyond having a pool table, fancy coffee machine or pizza party. While these are nice to have, what goes further is demonstrating a deeper understanding of people’s needs and giving them the tools to solve the problems that are causing their stress. According to Rodgerson, this may look like:

    Encouraging work-life balance. Offering flexible work arrangements, paid time off and wellness programmes can help employees manage stress and maintain a healthy work-life balance.

    Providing opportunities for growth and development. Investing in employee training and development demonstrates a commitment to professional growth and fosters a sense of purpose and fulfilment.

    Cultivating a supportive and inclusive workplace culture. Promoting open communication, recognition of achievements, and collaboration can enhance morale and create a sense of belonging.

    Offering perks and benefits. Providing benefits like health insurance, retirement plans and employee assistance programmes demonstrates care for employees’ overall well-being and can improve job satisfaction and retention rates.

    ‌“Being in a positive mood not only enhances cognitive function but also fosters creativity, problem-solving skills and resilience.”

    Taking Charge Of Your Destiny

    Here are Rodgerson-recommended well-being strategies you can use to boost your mood and productivity. 

    Move more. Exercise releases endorphins, which are natural mood-lifters and reduce stress.

    Practise mindfulness and meditation. These techniques can help alleviate stress, promote relaxation and cultivate a positive outlook.

    Seek support. Spending time with friends, family or colleagues can provide emotional support and enhance feelings of connection and belonging. Seeking out therapy is also a form of support.

    Set realistic goals. Breaking tasks into manageable chunks and celebrating small victories can boost confidence and motivation.

    Prioritise self-care. Getting adequate sleep, maintaining a healthy diet and engaging in hobbies and activities that bring joy can significantly impact mood and overall well-being.

    Use technology to your advantage. There are apps and websites available that can assist in goal setting, progress tracking, mindfulness and increasing holistic well-being. 

    Happiness-boosting Websites At Your Disposal

    WHOLE introduces one to healthy habits and allows you to maintain them. It keeps you accountable for your healthy daily routine.

    October Health keeps you in the loop with health professionals and allows you to receive accurate medical information. Your goal to being happy is assured with October Health.

    SoSerene is an amazing system which helps integrate holistic healthy living into busy lives, with a focus on supporting mental health. Check this app out for any tools to improve your well-being. More

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    In pics: Celine has just raised the bar with Pilates

    Life

    by Sarah Joseph
    1 hour ago

    Over the year, Pilates has taken on a whole new meaning as a workout method. To take it up a notch, Celine has now given it a nuanced luxurious touch for those who love to workout in the most aesthetic manner problem.
    Starring in front of the campaign, Kaia Gerber is showing off a razorback cropped top and high-waist biker shorts, but it’s the accessories—the patterned yoga mat, the leather-handled weights, and the monogrammed kettlebell—that really stand out.
    The one item that takes center stage throughout the Pilates collection is the reformer, which features a leather carriage covered in Celine’s Logo, complemented by shearling handlebars.
    Clearly, Celine and Gerber have managed to take pilates-core to a whole new level. The new Celine pilates collection blends Celine’s iconic Arc de Triumph-inspired logo with a series of styles, ranging from free weights to yoga mats to entire pilates reformers.
    Celine isn’t the first luxury house to deck out athletic gear with interlocking logos and house codes. Louis Vuitton currently sells a set of monogrammed dumbbells, while Dior carries an extensive range of workout sets, training mats, and ergonomic medicine balls to pair with your book tote. So it’s great to see luxurious brands entering the fitness realm.
    The Pilates Collection
    With a history of releasing ultra-luxe lifestyle items, from surfboards to perfume cases, the Parisian brand has entered the fitness realm, with its next-level workout gear featuring yoga mats, yoga blocks, hand weights and kettlebells. This collection is perfect for your hot girl summer dreams now.
    The monochromatic color scheme and luxurious materials used in the products, like leather straps and chrome finishes. Overall, it reflects signature aesthetic and attention-to-detail.
    So if you’re looking to do your plank in style, this luxurious Celine imprinted.

     
     The collection will be available at celine.com and in select Celine stores beginning this October. More

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    What To Know About Swine Flu Symptoms + What To Do

    This season, the winter flu has come, with health officials warning about the reported cases of swine flu (now called N1H1). Here’s what to know about swine flu symptoms and how it differs from the ‘regular’ flu.

    What is swine flu?

    To answer this, we need a brief science lesson. Within the flu family, different strains exist. The ‘typical’ flu differs from swine flu (called Influenza A (N1H1)) because it’s a different strain.

    N1H1, or ‘swine flu’, is so named because it usually circulates in pigs but is now infecting people. This doesn’t mean people are getting sick from interacting with pigs – the virus spreads from humans to humans. This is called a “variant influenza virus”, according to the World Health Organization. And, interestingly, the same virus was also called the Spanish flu in 1918.

    Other strains that people have been infected with include influenza B/Victoria and influenza A(H3N2).

    What are the swine flu symptoms?

    According to the Western Cape government, these are the typical symptoms of N1H1:

    A sudden onset of high fever (usually above  38.3°C)

    Cough

    Runny or stuffy nose

    Sore throat

    Headache

    Body aches

    Chills

    Tiredness

    Lack of appetite

    Nausea, vomiting, and diarrhoea

    Many of these symptoms don’t seem much different from the ‘regular’ flu and the treatment is also much the same. However, there are cases when you should seek emergency care, per the Western Cape government:

    Fast breathing or trouble breathing

    Bluish or grey skin colour

    Severe or persistent vomiting

    READ MORE: What To Eat To Avoid Colds And Boost Your Immune System, According To A Dietician

    What is the treatment for N1H1?

    If your case is mild (and not severe), the Western Cape Government advises the following measures:

    “Stay at home for seven days after your symptoms begin or until you have been symptom-free for 24 hours, whichever is longer,” the website notes.

    Drink plenty of fluids (coffee and tea don’t count here: rather stick to water, electrolyte blends and broth.)

    Take your prescribed medication from a doctor (these may include anti-viral meds)

    Take painkillers to relieve fever and body aches, like paracetamol or ibuprofen. Important: only take pain medication for instances where you have pain or fever.

    Throw away used tissues as soon as possible to prevent the spread of infection

    Wash your hands regularly, to avoid spreading disease.

    READ MORE: Are Wellness Shots With Turmeric, Ginger, Or ACV Actually Good For You? A Dietician Weighs In

    How to prevent getting ill

    Health experts always advocate for regular hand washing, covering your mouth when coughing and sneezing and staying healthy by eating lots of vegetables and drinking plenty of water.

    Also, it’s a very good idea to get a flu vaccine. These can be done at your doctor, clinic or pharmacy. If you’re at risk of having a severe case of flu, you should get a vaccine. Per the South African Government News Agency, people at risk include:

    Adults older than 65

    Pregnant people

    People with underlying illnesses such as heart and lung disease 

    People living with HIV and tuberculosis

    READ MORE: 3 Superfoods To Add To Your Grocery List This Winter 

    Michelle October

    Michelle is the features editor at WH. She’s immensely curious about the world, passionate about health and wellness and enjoys a good surf when the waves are good. Find her on Instagram here. More

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    Everything You Need To Move Your WFH Days Onto the Patio

    With remote work still thriving on the job scene, many of us find ourselves going about our work day in the comfort of our own homes. But, sometimes, the spaces we find ourselves in for day-to-day tasks make it hard to separate work and relaxation. It’s easy to fall into the habit of working from your comfortable couch or bedroom, but these spaces do not do your productivity any justice and can deter you from your best work. Being inside all day can also have detrimental effects and can stop you from getting your necessary daily dose of Vitamin D.
    By optimizing your workspace to something designed intentionally for you and your work day, you can increase your productivity and focus. And weather permitting, working from outside might be the best way to keep you focused and enjoying the work day a little more. Here are some of our favorite pieces to create the perfect Work-From-Outside setup:

    This 24-ounce stainless steel tumbler will keep your drink cool and you hydrated no matter the temperature outside.

    Bucket hat girlies, this is the perfect work-from-outside hat. It features a wide brim to keep your face and the back of your neck protected from the sun all day long.

    This lap desk fits most any computer size and also includes a power bank and charging cable, which can keep you from trying to find an outdoor outlet or a ridiculously long extension cord.

    Amazon | danpinera

    This green side table adds a fun pop of color for your setup. It’s also anti-rust and waterproof, so you can leave it outside no matter the weather.

    Amazon | F FORITO

    This anti-glare and anti-blue light screen protector is a must-have when working in direct sunlight. It will keep your eyes protected and your screen visible so that you can actually use your laptop in the sun.

    Amazon | Big Joe

    This round cushioned ottoman is the ultimate footrest, keeping you comfy while you lounge and work in the sun.

    Citronella

    This five-wick candle really brings the space together and will keep you feeling cozy and comfortable in the outdoor setting. Bonus: It features citronella, so it will keep the bugs at bay while you enjoy the sun.

    Beachcrest Home

    These light wood cushioned chairs are sturdy and comfortable, perfect for sitting outside for a few hours while you type away on your laptop. Place your beverage of choice and some snacks on the small side table and this setup has almost everything you need.

    Play your lo-fi work playlist (or Taylor Swift album of choice) outside with this portable bluetooth speaker. Whether you’re trying to capture all the summer vibes or simply need a relaxing backtrack while you focus, you’ll love the sound quality of this little speaker.

    Amazon | Abrotain

    Small space? That’s no problem with this patio shade cover. It offers privacy while shading you from the sun, perfect for apartment balconies or small decks.

    Amazon | Veradek

    Keep your snacks and drinks cool and protected in this outdoor cooler that doubles as a side table. 2-in-1? Yes, please.

    World Market

    This floor mat will help bring your work from outside space to life and make it a place where you enjoy working!

    Amazon | KEVLANG

    This acrylic tray is perfect for holding any of your day-to-day necessities, but could even be filled with your favorite snacks and drinks to keep you energized throughout the day.

    Anthropologie

    This denim baseball cap is perfect to keep the sun and hair out of your face and is casual enough to add to any outfit you have on during your work-from-outside days!

    Arlmont & Co.

    Yes, you’re working, but who says you can’t relax while doing so? This functional outdoor daybed features detachable footrests that can also be used as a side-table for customizable use.

    Amazon | YPRNM

    This lap desk is great if you are looking for something more sturdy, with standing legs on both sides. The desk splits into an adjustable laptop tray and a small side table tray, perfect for your favorite drink or a small notebook!

    Amazon | Thermacell

    Nothing can ruin a day outdoors quite like bugs, and we haven’t forgotten that. This mosquito repellent will keep the bugs away and let you work outside in peace.

    Amazon | Sweetfull

    This portable misting fan will help keep you cool and refreshed on those hot days, and works great to keep you awake and productive!

    This SPF 45 face mist is a necessity for being outside on a sunny day. It keeps your skin protected and hydrated throughout your work day!

    Hampton Bay

    This patio umbrella is a major addition to creating this workspace, allowing you to bathe in the warm sun, but also retreat to the shade as much as you’d like to during the day.

    Amazon | Javasok

    This cup sleeve is perfect for those who need a quick coffee run before work. It will keep all the condensation from your cup away from your electronics or paper and keep your hand from getting cold as well!

    Keep your lips hydrated with this editor-favorite lip oil. It also includes SPF 30, so not only will your lips feel great, but they’ll also be protected. More

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    Which Bridgerton character are you? Let your zodiac sign decide

    Life

    by Ruman Baig
    3 hours ago

    Ah, Bridgerton. The Netflix phenomenon that swept us all away to a world of extravagant balls, glittering gowns, and gossip sharper than Queen Charlotte’s wit. 

    via GIPHY

    Bridgerton beyond the boisterous romance

    via GIPHY

    But beneath the romance and social climbing, there’s a surprising depth to these characters, inspired by Julia Quinn’s witty and beloved novels. From the formidable Bridgerton matriarch, Violet, to the enigmatic Lady Danbury, each personality brings a delicious flavor to the Regency pot. So, which Bridgerton character most resembles your own inner debutante (or, ahem, rake)? Let the celestial tea leaves unfurl and reveal your social season destiny.
    The Brigerton world woven by Julia Quinn and Shonda Rhimes

    Now, before we delve into the astrological dance, a brief history lesson for the uninitiated. Bridgerton takes us on a whirlwind tour of Regency London’s high society, a world obsessed with appearances, reputation, and of course, the perfect marriage match. Quinn’s novels, brimming with social commentary and a dash of scandal, breathe life into these characters, making them far more than just corseted caricatures. We see ambition simmer beneath polite smiles, love blossom in unexpected places, and the unyielding strength of family ties.

    Alright, enough with the pleasantries, on to the real question: who are you in this grand Regency drama? Buckle up,because we’re about to unleash your inner Bridgerton based on the stars!

    Society’s darling! Or perhaps a wallflower yearning for a scandalous twist? Dear reader, wonder no more! The stars, much like Lady Whistledown herself, hold the secrets to your Bridgertonian identity.
    Delve into the following to discover which captivating character from the ton perfectly embodies your zodiac sign:

    So there you have it, dear reader! The stars have spoken, and the carriage awaits to whisk you away to your perfect Bridgertonian social season. Remember, whether you’re a diamond of the first water or a charming rogue, embrace your inner Bridgerton character – after all, a bit of scandal never hurt anyone (except maybe Marina Thompson, but that’s a story for another day).
    – For more on luxury lifestyle, news, fashion and beauty follow Emirates Woman on Facebook and Instagram
    Images: Netflix supplied  More