86 episodes

Felicity Glover has all the answers to your personal finance questions. Learn about saving, investing, managing debt and much more.

Join us every week on Pocketful of Dirhams, a new podcast by The National coming straight from our news room in Abu Dhabi. Make sure to subscribe and follow us on your favourite podcast app so you can stay up to date on our latest episodes.

Pocketful of Dirhams The National News

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    • 5.0 • 1 Rating

Felicity Glover has all the answers to your personal finance questions. Learn about saving, investing, managing debt and much more.

Join us every week on Pocketful of Dirhams, a new podcast by The National coming straight from our news room in Abu Dhabi. Make sure to subscribe and follow us on your favourite podcast app so you can stay up to date on our latest episodes.

    The pros and cons of fractional property investing

    The pros and cons of fractional property investing

    Buying property is one of the biggest financial commitments that we will make in our lives. But getting on to the property ladder can be difficult for some — saving for a deposit while also meeting other expenses can take years, more so these days as property prices quickly rise and mortgages become more expensive due to central banks raising interest rates to rein in inflation.

    Others may feel uncomfortable making a financial commitment to buy a property and prefer to live their lives free of the burden of a mortgage. However, many financial experts advise that investing in property is important to diversify your portfolio, particularly in today's bear market.

    One option in the UAE involves fractional property investing. Think of it like crowdsourcing — a certain number of people invest X amount of money and collectively buy a property together. The property is then rented out and investors earn a return based on the rental yield. But what is fractional property investing, how much do you need to begin and are the returns worth it?

    Host Felicity Glover is joined by Siddiq Farid, co-founder of real estate investment platform SmartCrowd, who discusses the pros and cons of fractional property investing.

    Hosted by Felicity Glover
    Produced by Arthur Eddyson and Thomas Smith

    • 22 min
    Why you should ’HODL’ your crypto right now

    Why you should ’HODL’ your crypto right now

    It has been a difficult year for cryptocurrency investors. Bitcoin has plunged from a record high of about $68,000 last year to trade in the $19,800 range on Monday, while the cryptocurrency sector's market capitalisation has again fallen below the $1 trillion mark.

    Analysts warn that the cryptocurrency roller coaster ride is far from over, dragged down by this year’s equity bear market, global economic uncertainty, higher interest rates and a sharp rise in the cost of living around the world.

    Many novice investors might be ruing the day they jumped on the cryptocurrency bandwagon, believing they could make a fast buck on the likes of Bitcoin, Ethereum or meme coins such as Doge and Shiba Inu on their “shoot to the moon” journey. However, rather than panic selling — and risk losing a substantial chunk of your investment ― investors might want to consider some other strategies. These include holding on for dear life (HODLing) to avoid short-term volatility, or staking digital coins to earn passive income.

    Host Felicity Glover is joined by Stefan Rust, founder of blockchain development house Laguna Labs and former chief executive of bitcoin.com, who discusses the benefits of investing in cryptocurrencies for the longer term.

    • 32 min
    How part-time work helps teenagers to learn vital money skills

    How part-time work helps teenagers to learn vital money skills

    The government’s overhaul of visa regulations last September means that teenagers aged 15 to 18 can now work part-time in the UAE, giving them an opportunity to earn a regular salary and learn some vital life skills at the same time.

    Those skills can include anything from money management to time management, as well as building confidence, instilling a sense of responsibility and gaining that all-important on-the-job experience.

    While it is an empowering experience for youth, the two most important skills for part-time working teenagers is understanding the value of money and how to manage a regular salary, financial experts say.

    This includes budgeting, setting savings goals and even beginning their investment journey as early as possible to take advantage of the benefits of long-term compounding interest.

    Host Felicity Glover is joined by Marilyn Pinto, founder of Kids Finance Initiative Global, who discusses the benefits of teenagers earning a regular salary through part-time work.

    • 18 min
    Is now the time to invest in UAE property?

    Is now the time to invest in UAE property?

    As the UAE’s property market continues its strong recovery from Covid-19 pandemic-induced headwinds, recent changes to the country’s visa rules have opened up long-term real estate investment options for residents wanting to put down roots in the Emirates.

    While average property prices in Dubai rose by 10.9 per cent, year on year, last month, residents can now qualify for a 10-year golden visa if they buy a property for as little as Dh2 million ($544,588).

    Despite rising interest rates, the initiative is attracting both residents and high-net-worth individuals from around the world, with an average budget of about Dh3m, property experts say.

    But where should you buy and how do you apply for the golden visa once you have decided on a property?

    Host Felicity Glover is joined by Richard Waind, group managing director of Betterhomes, who discusses the UAE property market and how the golden visa is benefitting the long-term plans of UAE residents.

    Hosted by Felicity Glover
    Produced by Arthur Eddyson and Ayesha Khan

    • 13 min
    How to beat the rising cost of living

    How to beat the rising cost of living

    It's difficult at the best of times to stick to a budget — not only do you have to fund your daily living expenses, but there’s also paying down debt and meeting important savings goals to set you on the path towards a secure financial future. For parents, there are also expensive education costs to consider, as well providing for their children.

    But during times of high inflation and rising interest rates, it becomes more difficult for households to stretch their dirhams further. Regardless of where you are in the world today, the prices of food, petrol and other everyday expenses are on the rise and salaries are not keeping up with inflation. This leads many people to struggle with their budgets. However, there are numerous ways to ease the financial stress you might be experiencing, experts say.

    Host Felicity Glover is joined by Alison Soltani, founder of UAE savings website Leap Savvy Savers, who shares her tips on how to save money on everyday expenses during periods of high inflation.

    Hosted by Felicity Glover
    Produced by Arthur Eddyson and Ayesha Khan

    • 27 min
    How to negotiate the best car deal

    How to negotiate the best car deal

    Buying a new or used vehicle can be an overwhelming experience for many — especially if you know very little about cars and what to be aware of before making a commitment.

    But cutting through the noise of slick sales talk and the many deals that are on offer in the UAE — which typically include extended warranties, free service packages, insurance and registration for the first year — is only the first step.

    It is essential to do your research and set a budget before deciding on which car to buy: new, second-hand or even electric, experts say. It is also important to consider the cost of running a car, more so these days with higher petrol prices, as well as its long-term value.
    So, where do you begin?

    Host Felicity Glover is joined by automotive entrepreneur Naz Chaudhry, who shares his tips and tricks on how to negotiate the best deal when buying a car in the UAE.

    Hosted by Felicity Glover
    Produced by Arthur Eddyson and Ayesha Khan

    • 17 min

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