The Gulf Finance Podcast — Let's Build Something Real

This episode is about a cost that never appears on a salary slip or bank statement. The psychological cost of living away from home is real, and it builds quietly.

This is not a therapy session. It is a financial conversation. Because the emotional state of an expatriate professional (the loneliness, the displacement, the pressure to justify the sacrifice) directly shapes how money is spent, saved, and thought about.

What Fahad Al Rawahi covers:

🔹 1. The pressure to justify the sacrifice
You left your country, your family and your community for a reason. That sacrifice needs to feel worth it, and one way the mind makes it feel worth it is through consumption: the nicer apartment, the better car, the restaurants, the holidays. “If I am missing my parents’ birthdays and my children’s first steps, at least I am living well.”

🔹 2. Social spending as belonging
Expat communities are built on shared experience, not shared history. The social glue is often meals, outings and entertainment, with quiet pressure to spend to keep your place. Opt out and you feel isolated; opt in and you feel drained.

🔹 3. Identity drift
After 5, 8 or 10 years, many professionals feel unsure where they belong. They have built a life here, and their children know no other home, but they are not citizens and know they will leave one day. That in-between state often gets managed, again, through spending: building a nest that feels permanent even when it is not.

🔹 4. Return anxiety
The longer you stay, the more anxiety builds around going back. Will the salary be enough? Will you fit in? That fear leads people to delay leaving and avoid the planning that would make it possible. It is one of the main reasons professionals reach 10, 15 or 20 years and find themselves no closer to their original goals.

🔹 What to do about it

• Name it. Recognising that some spending is emotional rather than practical is the first step to changing it.
• Build community intentionally, not expensively. The deepest Gulf friendships are rarely built in restaurants. They grow in mosques, study circles, shared projects and one-to-one conversations.
• Plan the return as a funded project with a date, not a vague hope.

🔹 The traveller
The Prophet, peace be upon him, described the believer as a traveller in this world: someone who moves through it with purpose, without mistaking the journey for the destination. For Gulf professionals, this is not abstract. The Gulf is a stop, not a home. Hold it lightly: appreciate it without depending on it, and build here without being defined by here.

🔹 This week
Spend 10 minutes reviewing your last three months of spending. Which purchases were practical, and which were really about comfort, status, or fitting in? You are looking for patterns, not guilt. Then take one step towards your return: a date, a number, a rough plan.

If this resonated, share it with a friend who has been in the Gulf long enough to feel the weight of it.

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Hosted by Fahad Al Rawahi | Crypode: Money. Faith. Life in the Gulf.

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For many Gulf professionals, buying property back home is the most important financial decision of their lives. It is where retirement will happen. It is the most tangible proof that the Gulf years built something real.

But buying from thousands of miles away, in a market you cannot walk into, under a legal system you may not fully understand, is where things go wrong for a lot of people.

In this episode, Fahad Al Rawahi explains how to do it right.

What you will learn:

🔹 1. Why are you buying?
The answer changes everything. Buying a home to retire in? Your criteria are personal: near family, the right size, affordable long term. Buying for rental income while you are still in the Gulf? Your criteria are financial: yield, demand, maintenance cost and tenant reliability. Be honest about the purpose before you start.

🔹 2. The financing model
Conventional mortgages in most countries involve interest, which is not permissible. Either use an Islamic home finance product where one exists (as in the UK, Malaysia and some Middle Eastern and South Asian markets) or adjust your timeline to buy with savings. Research this early; it decides whether and how quickly you can buy.

🔹 3. The legal structure
Buying while resident abroad raises questions of registration, power of attorney, inheritance under your home country’s laws, and tax. Some countries restrict non-resident buyers or charge extra taxes. Do not shortcut this. A trusted local lawyer, not just an agent, is essential.

🔹 4. Management
Who will find tenants, handle maintenance, collect rent and deal with problems while you are away? A property management company, typically charging 8 to 12% of rental income, is often worth it.

🔹 5. Realistic yield
Many buyers expect strong returns and find yields much lower once management fees, maintenance, insurance and empty months are counted. Research the net yield, after all costs, for the specific area and property type before you commit.

🔹 A word of caution
Property is the most emotionally charged investment most people make, and emotion leads to poor decisions. People overpay because a location is meaningful, buy in their parents’ village to make the family proud, or rush because the Gulf chapter feels like it is ending. A property bought in haste, without research, legal clarity or an honest yield calculation, can become a source of stress rather than security.

🔹 Five questions before you commit

1. Why am I buying?
2. How will I finance it in a permissible way?
3. Who is my lawyer, and have they reviewed everything?
4. Who will manage it while I am away?
5. What is my net yield after every cost?
   If you can answer all five with confidence, you are ready. If not, you have found your next task.

Bought wisely, financed correctly and managed professionally, property back home appreciates, generates income and gives you a home when you return. Give it the same discipline you gave to earning the money that pays for it.

Full article and guide at crypode.com.

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Most Gulf professionals leave money on the table every single year. Not because they lack skill, but because they never learned to negotiate. And because they were told, directly or indirectly, that asking for more was ungrateful, risky, or “not how things are done here”.

None of that is true. Salary negotiation is a professional skill. It is expected, and done correctly, it does not damage relationships or cost you offers. It earns you respect.

In this episode, Fahad Al Rawahi walks through how to do it properly.

What you will learn:

🔹 Step 1: Research
You negotiate from data, not emotion. Use LinkedIn Salary, Glassdoor, Bayt and industry salary surveys. Look at the range, not just the average, and find where your profile sits. Three to five years in with strong performance? You belong in the mid-to-upper range.

🔹 Step 2: Know your three numbers

• Your target: your genuine market value and what you want.
• Your minimum: the floor, based on your real financial needs.
• Your opening number: above your target, to create room.
  Never walk into a negotiation without all three.

🔹 Step 3: Timing and leverage
Leverage in the Gulf comes from a competing offer, a strong performance review, or being asked to take on significantly more responsibility. The strongest position is when they need you more than you need them to say yes.

🔹 Step 4: The language
Pair genuine appreciation with market data. For example: “I am very excited about this role and the organisation. Based on my research into current market rates for similar positions, I was expecting a figure closer to X. Is there flexibility on the base salary?” That is not aggressive. It is professional.

🔹 Step 5: Negotiate the full package
In the Gulf, the package matters as much as the basic salary. If cash cannot move, there may be room on housing, flights, school fee support, a signing bonus or an earlier review date. Know which matter most to you before you start.

🔹 Step 6: Be comfortable with silence
State your number, then stop talking. Silence is not rejection; it is thinking time. If the answer is no, ask what would need to happen for that number to become possible, and tie future raises to clear milestones.

🔹 Negotiation and faith
Negotiating is not arrogance. It is stewardship. Wealth is an amanah, a trust, and part of that trust is not leaving your potential on the table out of fear. The humility is in how you negotiate: respectfully, professionally, without demanding what you have not earned. Asking for fair pay for the value you create is not ingratitude. It is dignity.

🔹 This week
Research your market range. Write down your target, minimum and opening number. Find your moment: a review, a competing offer or new responsibility. Then walk in with respect, speak with clarity, and let the silence do its work.

The best time to negotiate was at your last review. The second best time is now. Share this with a colleague who has been waiting to ask.

Full article and guide at crypode.com.

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Zakat is the third pillar of Islam. It is not optional, not recommended, not a matter of personal choice. For every Muslim whose wealth meets the threshold, it is an obligation as binding as prayer and fasting.

And yet many Muslim professionals pay it incorrectly. Some underpay because they are unsure how to calculate it. Some overpay because they include things that are not zakatable. And some delay or skip it because it feels complicated.

In this episode, Fahad Al Rawahi makes it clear.

What you will learn:

🔹 The fundamentals
Zakat is 2.5% of your zakatable wealth, paid once per lunar year, when that wealth has been held for a full year and exceeds the nisab. The nisab is the equivalent of 85 grams of gold or 595 grams of silver. It moves with the gold price: in mid-October 2026, 85 g of gold was worth roughly $11,400. Always check the current figure.

🔹 What is zakatable

• Cash and bank balances: current accounts, savings and cash at home.
• Gold and silver: coins, bars and jewellery. Scholars differ on jewellery worn regularly; if unsure, the cautious position is to include it.
• Investments: shares in halal companies, held directly or through funds. Many halal platforms calculate zakat for you, or you can apply 2.5% to the current market value as a conservative approach.
• Money owed to you that you expect to receive within the year.
• Rental property: zakat is due on the rental income, not the property’s market value.
• Business assets: stock, cash and receivables, minus legitimate business liabilities.

🔹 What is not zakatable
The home you live in, the car you use, furniture, personal belongings and the tools of your trade. These are necessities, not wealth.

🔹 When to pay
Pick a fixed date in the lunar calendar. Many Muslims choose Ramadan, but what matters most is consistency. Set a reminder and pay on that date every year.

🔹 Who it must reach
The Quran defines eight categories of recipients: the poor, the needy, those who administer zakat, those whose hearts are to be reconciled, freeing captives, those in debt, in the way of Allah, and the wayfarer. A trustworthy Islamic charity or your local mosque can help it reach the right people.

🔹 Not sure if you meet the nisab?
If you have meaningful savings, investments or gold, calculate it. The zakat calculator on crypode.com lets you enter your cash, gold, investments and receivables and tells you whether zakat is due and how much. If you are right at the threshold, scholars generally advise paying.

🔹 Why it matters
Zakat is part of a system Islam designed to keep wealth circulating rather than concentrating. The 2.5% you give purifies and protects the 97.5% that remains. And it is a reminder that the wealth in your hands is not ultimately yours. It is a trust, with conditions attached. Do not delay, and do not approximate carelessly.

This episode is for education only and is not a fatwa. For specific situations, consult a qualified scholar.

Full article and zakat calculator at crypode.com.

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Hosted by Fahad Al Rawahi | Crypode: Money. Faith. Life in the Gulf.

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Money is one of the most common sources of tension in a marriage. And in the Gulf, where financial pressures are unique and the stakes are high, that tension can quietly undermine even strong relationships.

In this episode, Fahad Al Rawahi talks about financial planning for couples: how to align your money, how to have the conversations that matter, and how to build a shared financial life that strengthens your marriage rather than straining it.

What you will learn:

🔹 Alignment is not agreement
Financial alignment does not mean identical views on money. It means shared goals and a shared understanding of where you are and where you are heading. A saver and a spender can still build a strong partnership if they are honest about their differences and build a system around them.

🔹 Conversation 1: The total picture
Both partners should know the household income, debt, monthly obligations and net worth. In many Gulf households, one partner manages everything while the other has no visibility. That is not a partnership; it is a single point of failure. Neither partner should be blindsided if circumstances change.

🔹 Conversation 2: Your household money model
In Islamic marriage, the husband carries the obligation of nafaqah, providing for the family’s needs. But many Gulf households have two incomes. Is there a joint account for expenses? Is the wife’s income directed to a shared goal, or absorbed into expenses with no purpose? There is no single right answer, but there must be a conscious one that both partners have agreed, not one that evolved by habit.

🔹 Conversation 3: Goals and timelines
A house back home? Leaving the Gulf early? A business? A retirement age? Children’s education fully funded? Give each goal a price tag and a deadline. Otherwise, you are two people rowing in different directions.

🔹 Conversation 4: Mistakes and debt
Often the hardest. If one partner carries debt, the other needs to know. Money secrets in a marriage are not financial problems. They are trust problems, and trust problems are harder to fix than debt.

🔹 Conversation 5: Protection for both partners
What happens if the main earner dies or cannot work? Is there takaful cover? Who are the beneficiaries? Is there a will that follows Islamic inheritance rules? These are responsible questions, not morbid ones.

🔹 Your task this week
Sit down together, deliberately, with tea and time, and answer three questions:

1. What is our combined monthly income, and what are our total monthly obligations?
2. What is our shared five-year financial goal?
3. What is our plan if one of us loses income tomorrow?
   If you cannot answer all three together, you do not yet have a shared financial plan. You have two financial lives sharing an address.

Then make it regular: a 30-minute monthly check-in, same time every month, to review income, expenses and progress. Couples who do this consistently report not just better finances, but better marriages.

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There is a new kind of debt in the Gulf. It does not look like debt. It does not feel like debt. It arrives at the checkout as a button that says: “Pay in 4 installments, interest-free.”

It is called buy now, pay later (BNPL), and it is quietly becoming one of the most significant financial traps facing Gulf professionals today. In this episode, Fahad Al Rawahi explains why and how to get out.

What you will learn:

🔹 Why BNPL is different from traditional debt
Traditional debt is visible: you sign a loan agreement, see the total balance, and receive monthly statements. BNPL feels free in the moment. A $500 item becomes 4 payments of $125, and each one feels small. The impact stays invisible until you have 8 active plans running at once and your salary disappears the moment it arrives.

🔹 Designed to remove the pause
BNPL is built to reduce friction at the point of purchase. Its purpose is to remove the moment where you might stop and ask: do I actually need this right now?

🔹 The Shariah dimension
Many BNPL products are genuinely interest-free at the point of sale, if you pay on time. But read the terms. Miss a payment, and most providers charge late fees that work economically like interest, sometimes higher than conventional loan rates. Beyond the technical question, the habit BNPL encourages- consuming now and paying later again and again- is fundamentally at odds with the financial discipline Islamic values promote.

🔹 The hidden impact
Active BNPL plans cut your disposable income in future months, making it harder to cover essentials, save or invest. And because they are often not captured in credit bureau reports, you can pile them up with no external check on the total.

🔹 Why it is riskier in the Gulf
If your job ends suddenly, sometimes with 30 days’ notice, BNPL payments do not pause. They keep hitting your card on schedule, and without income they become problem debt almost immediately.

🔹 The four-step way out

1. Audit: list every active plan, the total balance, the monthly payment, and the payoff date. Most people are shocked by the total.
2. Stop adding: any purchase that needs BNPL to be affordable is a purchase you cannot currently afford.
3. Close them out, smallest balance first, like the debt snowball: quick wins and fewer obligations.
4. Build a buffer: one month of discretionary spending saved separately, so future purchases need no deferred payment at all.

🔹 Your future self deserves better
BNPL borrows from your future self to fund your present self. Every time you choose not to defer a payment you cannot truly afford, you choose your goals over someone else’s installment schedule. Over a year, that choice compounds into fewer obligations, clearer cash flow, and a real buffer.

This week: do the audit. Then make one decision: no new installments until the old ones are cleared.

Know someone carrying more BNPL than they realise? Share this episode with them.

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Hosted by Fahad Al Rawahi | Crypode: Money. Faith. Life in the Gulf.

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Most people who want to invest halal end up doing nothing.

Not for lack of money or intention, but because every time they try to work out where to start, the options feel complicated, the terminology is unfamiliar, and the fear of getting it wrong stops them from starting at all.

In this episode, Fahad Al Rawahi fixes that. He explains halal ETFs and index funds: what they are, how they work, why they are arguably the most practical investing tool for most Gulf professionals, and how to get started.

What you will learn:

🔹 What an ETF is
An ETF (exchange-traded fund) is a basket of investments packaged into a single product you can buy and sell like a share. Instead of buying one company, you buy a tiny piece of many companies at once. That instant diversification reduces the risk of any single company failing.

🔹 What an index fund is
An index fund works the same way but tracks a specific index: a list of companies that meet certain criteria. The best known is the S&P 500, the 500 largest US companies. The appeal is simplicity, low cost, and long-term performance. Most professional fund managers fail to beat index funds over 10 years.

🔹 Why standard funds are not halal
Mainstream indices commonly include conventional banks, alcohol producers, tobacco companies, weapons manufacturers, and entertainment businesses with prohibited content.

🔹 How halal ETFs screen companies

• Business screen: companies whose main activity is prohibited are excluded entirely.
• Financial ratio screen: even permissible companies can fail if they carry too much conventional debt relative to their assets, or earn a significant share of income from interest.

🔹 Purification
After screening, a small part of the income may still include minor impermissible elements. A small percentage of dividends or returns is calculated and given to charity to cleanse the portfolio. Some platforms, such as Wahed Invest, handle this automatically.

🔹 Options worth knowing

• iShares MSCI World Islamic ETF and iShares MSCI Emerging Markets Islamic ETF: among the most established Shariah-compliant ETFs on major exchanges.
• Wahed Invest: a fully managed Shariah-compliant portfolio built on halal ETFs, so you do not need to pick or manage funds yourself.
  For many Gulf professionals, a monthly contribution into a diversified halal ETF is the most practical starting point.

🔹 Just start
Start with what you can afford consistently. Even $50 a month over 10 years builds something meaningful. The biggest mistake new investors make is waiting until they understand everything. Time in the market beats timing the market, and every month you delay is compounding you cannot recover. Set up a small contribution today, even $20, and build your confidence alongside your balance.

Halal returns compound exactly like conventional returns. The only difference is the screen applied at entry.

This episode is for education only and is not financial advice or a fatwa. Check any fund’s Shariah certification and availability in your country.

🎧 Listen on Spotify, Apple Podcasts and Amazon Music
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Hosted by Fahad Al Rawahi | Crypode: Money. Faith. Life in the Gulf.

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Every month, you receive a number. You check it, you nod, and you move on.

But do you actually understand every line on your salary slip? Do you know which parts affect your gratuity, and whether your deductions are correct?

Most Gulf professionals do not, and that gap in understanding costs them, sometimes significantly. In this episode, Fahad Al Rawahi walks through a typical Gulf salary slip, line by line.

What you will learn:

🔹 1. Basic salary: the number that matters most
Your basic salary is the base component before allowances, and it is often the smallest number on the slip, typically 30 to 50% of your total package. It matters because your end-of-service gratuity is usually calculated on basic salary alone. With a $2,000 basic in a $5,000 package, your gratuity is calculated on $2,000. Over 10 years, that difference is enormous. When negotiating, always push to raise the basic, not just the allowances.

🔹 2. Housing allowance
Usually the largest allowance, often 25 to 30% of the package. A cash allowance may be taxable in your home country if you still have tax obligations there.

🔹 3. Transport allowance
A fixed monthly amount for commuting. It does not count towards your gratuity.

🔹 4. Other allowances
Food, phone, professional development or hardship allowances. They boost take-home pay but do not affect gratuity or loan eligibility the way basic salary does.

🔹 5. Deductions
Loan repayments assigned directly from salary, pension contributions, and social insurance in some countries. Expats in the Gulf generally pay no income tax, but deductions still reduce your net pay. Check each one against what you agreed to, especially salary assignment loan deductions.

🔹 6. Net pay
What actually reaches your account: basic salary plus allowances, minus deductions. If the arithmetic does not work, ask HR. Payroll errors are more common than most people assume.

🔹 What to do this week

• Request an itemised salary slip if you do not receive one.
• Calculate what your gratuity would be today, based on your basic salary and years of service.
• If your basic has not grown in line with your total package, raise it at your next negotiation.
• Photograph your slip and build a simple tracker: basic salary, total package and gratuity entitlement. Update it once a year.

🔹 Your salary slip is a negotiation document
Every number on it can change at renewal, if you understand what it represents and have the market research to support a different figure. If your salary has not been formally reviewed in more than 18 months, that review is overdue. Inflation in the Gulf has been real, and a salary that has not grown has effectively shrunk.

The professionals who manage their careers like financial assets, who track compensation, benchmark it annually and negotiate proactively, earn significantly more over a 10-year Gulf career than those who simply accept what is offered.

Full article and tools at crypode.com.

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Most Gulf professionals do not plan their departure; they are removed from it.

One day the contract is not renewed, the company restructures, or the visa expires. And suddenly, what should have been an intentional transition becomes a scramble: 30 days to decide everything, under financial pressure, without a plan.

In this episode, Fahad Al Rawahi talks about something different: how to leave on your own terms. How to design your exit before it is designed for you.

What you will learn:

🔹 Principle 1: Know your number
Before you can leave well, you need to know what leaving actually requires. Not a rough estimate. An actual number.

• What does a comfortable life cost per month where you plan to go? Multiply by 12.
• Add a 2-year buffer for transition uncertainty.
• Add resettling costs: flights, deposits, furniture, school enrolment.
  That total is your exit number. Most people have never calculated it, which is why most people are never truly ready to leave.

🔹 Principle 2: Build in reverse
Compare your exit number with what you have saved and invested today. Divide the gap by the months you plan to stay. That is your required monthly investment. Your Gulf years stop feeling like an indefinite situation and start feeling like a funded project with a deadline.

🔹 Principle 3: Keep your options clean
A clean exit means no financial loose ends: no loans that tie you to a salary, no guarantees signed for others, no commitments that require you to stay employed in the Gulf indefinitely. Every obligation you take on here is a chain that lengthens your stay. This is not about being ungenerous; it is about protecting your ability to leave when you choose.

🔹 Principle 4: Build a life that does not require you to be here
The best exits belong to people with income and assets that travel with them: a halal portfolio that pays dividends wherever you live, a skill set that earns remotely, property back home that generates rent. If everything you have depends on being in the Gulf (your salary, your housing, your lifestyle), you are not building freedom. You are building dependency.

🔹 Principle 5: Make peace with the timeline
Some people need three more years; some need seven. The length matters less than the intention. Decide when you want to leave, build backwards from that date, and judge every financial decision by whether it moves you closer or further away.

🔹 Write it down
A written plan with specific numbers and dates is a commitment; a mental intention is just a wish. Write your exit number down today and put it somewhere you will see it every morning.

The Gulf is a magnificent opportunity, but it is most magnificent when you treat it as a chapter, not the whole story. The professionals who leave with the most are rarely the highest earners. They are the most intentional. The exit is not the end. It is where everything you built here begins to work for you somewhere else.

Full article and exit planning tools at crypode.com.

🎧 Listen on Spotify, Apple Podcasts, and Amazon Music
🌐 More tools and guidance at Crypode.com
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Hosted by Fahad Al Rawahi | Crypode: Money. Faith. Life in the Gulf.

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What are your children learning about money right now? Not from you specifically. From everything.

From watching you spend. From watching you worry. From the lifestyle they see around them in the Gulf.

Children do not learn about money from lectures; they learn from what they observe. And in the Gulf, what many children observe is consumption without consequence, abundance without effort, and wants fulfilled immediately.

If we are not intentional, we will raise the next generation of Gulf professionals to make the same financial mistakes we are trying to fix in ourselves. In this episode, Fahad Al Rawahi shares how to do it differently: rooted in Islamic values and practical for the life we actually live.

What you will learn:

🔹 What Islam teaches about money and children
The Prophet, peace be upon him, encouraged teaching responsibility from a young age. Earning before spending, knowing where things come from, and understanding that wealth is a trust from Allah, not an entitlement, are woven into Islamic teaching. The concept of amanah applies to money too: it is not ours to waste, but ours to steward.

🔹 Step 1: Pocket money with purpose
Money with no structure teaches nothing. A simple 3-jar system turns pocket money into a lesson: one jar for spending, one for saving, one for giving. The proportions matter less than the habit. Setting aside something for sadaqah before spending teaches a child that wealth carries an obligation.

🔹 Step 2: Connect money to effort
In the Gulf, children often see money appear with no visible effort behind it. Where it suits their age, introduce small tasks that earn money. Not household chores, which are part of family responsibility, but extra tasks: entrepreneurial ideas, helping a neighbour, selling something they made.

🔹 Step 3: Teach delayed gratification
Waiting is the hardest financial skill for adults in the Gulf. When a child wants something, help them save for it over several weeks. The lesson is earning it through patience and discipline, and when they buy it with their own money, they value it differently.

🔹 Step 4: Make halal and haram concrete
As children grow, introduce a framework, not a list of restrictions. We do not spend on things that harm us or others. We do not deal in interest. We give from what we have, because that is who we are. A child raised with these values does not need to be told to avoid a riba loan as an adult. They already know why.

🔹 Step 5: Let them see your decisions
This is the step most parents skip. Let them see you compare prices. Let them hear you say, “We are not buying that today because we are saving for something more important.” Let them watch you give sadaqah. Children who see intentional parents grow up to be intentional with money.

You are raising the next generation of Gulf professionals. Give them the tools, the values, and the framework you wish someone had given you.

Full article, the 3-Jar Framework, and an Age-by-Age Money Guide at crypode.com.

🎧 Listen on Spotify, Apple Podcasts and Amazon Music
🌐 More tools and guidance at crypode.com
🔔 Follow so you never miss a new episode

Hosted by Fahad Al Rawahi | Crypode: Money. Faith. Life in the Gulf.

#Crypode #GulfProfessionals #IslamicFinance #ChildrenAndMoney #HalalFinance #FinancialEducation #GulfFamilies #RaisingMuslimKids #PersonalFinance #GulfExpat #MoneyAndIslam #RealMoneyRealLife #FinancialPlanning #IslamicParenting #GulfLiving #GulfFinancePodcast #Crypode #LargeFamily #SoleProvider #FatherOfSix #SideIncome #ContentCreation #AvoidScams #GulfProfessionals #IslamicFinance #MuslimDad #PersonalFinance #FamilyFinance #Oman #UAE #Dubai #SaudiArabia #Qatar #Kuwait #Bahrain