Financial Wellbeing with Emirates NBD

Evolution of Legacy

What does it really take to step out oflegacy, trust your own vision, and build something of your own?   In this episode of Financial Wellbeing by Emirates NBD, hostDana Kamber sits down with Adi Al Fardan, Founder of Adi Al Fardan Jewellery, for a conversation on legacy, entrepreneurship, discipline, and the mindset required to create something that lasts.  Raised in a family where jewellery was part of everyday life,Adi shares how growing up around craftsmanship, clients, and generations of experience shaped the way he sees business today. He reflects on the moment hestepped out to build his own brand, what his father’s support meant in those early days, and why self-belief, consistency, and integrity matter more thanwaiting for the “right time.” They talk about the habits that help sustain a business, theimportance of sitting with people and learning constantly, and why building anything meaningful takes patience, detail, and the willingness to keep going even when the path is uncertain. It is a grounded conversation on ambition,values, and the quiet behaviors that turn vision into reality. Tune in to hear: → How growing up inside a family legacy shaped Adi’s approach to business → Why his father’s belief in him made it easier to take the leapon his own → What it means to start with only the resources you alreadyhave → Why consistency, trust, respect, and attention to detailmatter in business → The role of integrity and honesty in building something thatlasts → How market research, listening, and sitting with peoplesharpen your instincts → Why learning should never stop, no matter how experienced you become → What keeps an entrepreneur going when challenges and doubt show up → Why there is rarely a perfect moment to start, and why action matters more → Practical advice for founders on compliance, spending wisely, and taking small steps first Subscribe for more episodes and insights that help you makeconfident and informed financial decisions.   #FinancialWellbeing #EmiratesNBD#EvolutionofLegacy#WealthManagement #FinancialFreedom #FinancialEducation#Podcast Visit our website Financial Literacy | Empowering Smarter FinancialDecisions | Emirates NBD [https://www.emiratesnbd.com/en/corporate-social-responsibility/financial-literacy]   Follow us on social Instagram: https://www.instagram.com/emiratesnbd_ae/   LinkedIn: https://www.linkedin.com/company/emirates-nbd/   Facebook: https://www.facebook.com/EmiratesNBD/   X: https://x.com/EmiratesNBD_AE [https://x.com/EmiratesNBD_AE]   Youtube Playlist:  https://youtube.com/playlist?list=PL38eg_9ofa1K6gWumZa3kyQF5-wKRkbEa&si=BQT7UrJDd8ZeHAMU [https://youtube.com/playlist?list=PL38eg_9ofa1K6gWumZa3kyQF5-wKRkbEa&si=BQT7UrJDd8ZeHAMU]     Key Moments 00:00 Legacy, family roots, and growing up in the jewellery business 01:26 Early exposure to clients, factories, and learning from his father 02:21 Why Adi decided to build his own brand 03:39 Emotional support, self-belief, and starting with what he had 04:17 Daily challenges and the discipline of chasing a dream 05:19 Consistency, trust, respect, and the little details that matter 06:04 Transitioning from legacy to building independently 07:16 Micro behaviors that shaped his journey, including listening and learning 09:07 Integrity, honesty, and the values that make a business last 10:47 The hardest part of entrepreneurship is keeping the dream alive 11:16 Investing in knowledge, craftsmanship, and global exposure 12:14 Handling setbacks, making adjustments, and standing by decisions 13:10 Why founders should stop waiting and just start 14:34 Meditation, discipline, compliance, and not overspending early on   ما الذي يتطلّبه أن تخرج من إطار الإرث، وتثق برؤيتكالخاصة، وتبني شيئًا من نفسك؟   في هذه الحلقة الخاصة من برنامج التثقيف المالي من بنكالإمارات دبي الوطني، تجلس دانة قمبر مع عدي الفردان، مؤسس “عدي الفردانللمجوهرات”، في حوار حول الإرث، وريادة الأعمال، والانضباط، والعقلية اللازمةلبناء شيء يدوم. نشأ عدي في عائلة كان فيها عالم المجوهرات جزءًا من الحياةاليومية، ويشارك كيف شكّلت هذه البيئة، بما فيها الحِرفية والتعامل مع العملاء.

Wealth Beyond Finance

What does “wealth” look like when it’s notjust money, but the values, learning, and legacy you leave behind?   In this special episode of Financial Wellbeing by Emirates NBD,host Dana Kamber is joined by Isobel Abulhoul, OBE, Advisor and Trustee of theEmirates Literature Foundation, and the founding force behind the EmiratesAirline Festival of Literature.   Isobel shares the real story behind building a purpose-ledbusiness from the ground up, why reading is one of the most underrated“investments” we can make, and how values like resilience, work ethic, andchoice shape our lives and finances over decades. From entrepreneurshipmistakes to succession planning, and from raising children while building abusiness to running a not-for-profit with financial discipline, this conversationis about building something that outlasts you.   This episode is for anyone thinking about legacy, leadership,family businesses, and the everyday habits that quietly create long-termwellbeing.   Tune in to hear:   → Why dreams, curiosity, and books can shape financialconfidence early in life → What it took to build Magrudy’s before the internet and modernretail → Why listening to customers and owning mistakes keeps abusiness healthy → A surprising truth about being a woman entrepreneur in the UAE → How to build self-belief (including Isobel’s simple self-talkhabit) → The real trade-offs of “having it all” and choosing whatmatters most → What succession planning actually requires from founders andthe next generation → Why not-for-profits still need tight budgeting and “everydirham counts” thinking → When to introduce money habits to children (pocket money, Eidmoney, saving) → The one finance belief she’s still working on: spoilingyourself, but not too often   Subscribe for more episodes and insights that help you makeconfident and informed financial decisions.   #FinancialWellbeing #EmiratesNBD#PsychologyOfMoney#WealthManagement #FinancialFreedom #FinancialEducation   Visit our website Financial Literacy | Empowering Smarter FinancialDecisions | Emirates NBD [https://www.emiratesnbd.com/en/corporate-social-responsibility/financial-literacy]   Follow us on social Instagram: https://www.instagram.com/emiratesnbd_ae/   LinkedIn: https://www.linkedin.com/company/emirates-nbd/   Facebook: https://www.facebook.com/EmiratesNBD/   X: https://x.com/EmiratesNBD_AE [https://x.com/EmiratesNBD_AE]   Youtube Playlist:  https://youtube.com/playlist?list=PL38eg_9ofa1K6gWumZa3kyQF5-wKRkbEa&si=BQT7UrJDd8ZeHAMU [https://youtube.com/playlist?list=PL38eg_9ofa1K6gWumZa3kyQF5-wKRkbEa&si=BQT7UrJDd8ZeHAMU]     Key Moments 00:00 Welcome and why this is a special conversation on legacy 03:40 Why reading to children is a priceless gift (confidence, empathy, language) 04:40 How Magrudy’s started and why children’s books mattered in the UAE 07:00 Building a business before the internet and learning every part of the journey 10:00 Women in business in the UAE and the power of self-belief 12:10 Advice for starting a business in the UAE (homework, location, passion) 15:20 The resilience rule: handling mistakes is part of entrepreneurship 20:30 Wealth, happiness, and why material assets are not the point 21:40 Succession planning: letting go and supporting the next generation 29:10 Teaching money habits early (saving, banks, Eid money) Disclaimer: The views shared in this podcast are for general information and educational purposes only and do not constitute financial, investment, legal or tax advice. Listeners should seek independent advice from a qualified professional before making any financial decisions. Emirates NBD Bank PJSC accepts no liability for any loss arising from reliance on the content discussed.

Psychology of Money

If money is “just math” … why do we still make decisions weregret, even when we know better?   In this episode of Financial Wellbeing by Emirates NBD, host Dana Kamber sits downwith Dr. Saliha Afridi (Clinical Psychologist, Founder & Chairwoman of The LightHouse Arabia) to unpack what’s really driving our money habits, the emotions underneath them, and how to break patterns without shame. They talk about why guilt shuts down learning, how your nervous system can feel “unsafe” even when your bank balance says you’re fine, and why modern spendingis designed to hijack your dopamine. It’s a practical, human conversation onbuilding money confidence through awareness, boundaries, and a plan you can actually stick to.   Tune in to hear: → Why shame and self-blame keep you stuck (and what to do instead) → “Enough” and why it can feel impossible in a comparison-driven world → How childhood experiences quietly shape your spending and saving style → Why couples fight about money even when they love each other → Spender vs saver vs investor, and what each one is trying to protect → Retail therapy, dopamine, and how online convenience fuels impulse buys → Simple “friction” hacks that stop mindless spending (without willpower) → How to introduce money habits to teens in a way that actually lands  Subscribe for more episodes and insights that help you make confident and informed financial decisions. #FinancialWellbeing #EmiratesNBD#PsychologyOfMoney#WealthManagement #FinancialFreedom #FinancialEducation Visit our website Financial Literacy | Empowering SmarterFinancial Decisions | Emirates NBD [https://www.emiratesnbd.com/en/corporate-social-responsibility/financial-literacy]  Follow us on social Instagram:https://www.instagram.com/emiratesnbd_ae/ LinkedIn:https://www.linkedin.com/company/emirates-nbd/  Facebook:https://www.facebook.com/EmiratesNBD/  X: https://x.com/EmiratesNBD_AE [https://x.com/EmiratesNBD_AE]  Youtube Playlist:  https://youtube.com/playlist?list=PL38eg_9ofa1K6gWumZa3kyQF5-wKRkbEa&si=BQT7UrJDd8ZeHAMU [https://youtube.com/playlist?list=PL38eg_9ofa1K6gWumZa3kyQF5-wKRkbEa&si=BQT7UrJDd8ZeHAMU] Key Moments  00:00 Shame, guilt, and why your brain stops learning about money 02:00 Money pressure, social comparison, and relationship friction 03:10 “Enough” and why your nervous system may disagree with your numbers 06:20 When money beliefs are formed (and how early it starts) 08:40 Spotting your patterns: avoidance, overspending, and boundaries 12:10 Rewriting your money script with a simple self-talk habit 15:00 Spender, saver, investor and what each is seeking underneath 18:00 Dopamine and what retail therapy is really doing for you 24:00 Teaching teens money basics (bank accounts, cash, and avoiding easy taps) 39:00 Practical reset: add friction, carry cash, and make a real monthly plan   إذا كان المال “مجرد أرقام وحسابات”… فلماذا نتخذ قراراتنندم عليها، حتى عندما نعرف ما هو الصواب؟   في هذه الحلقة من “التثقيف المالي من بنك الإمارات دبيالوطني”، تجلس المقدّمة دانة قمبر مع الدكتورة صاليحة أفريدي، الأخصائية النفسيةالإكلينيكية ومؤسِّسة ورئيسة مجلس إدارة “لايتهاوس أرابيا”، للغوص في الجوانبالأعمق التي تشكّل علاقتنا بالمال. يناقشن الدوافع الخفية وراء عاداتنا المالية،والمشاعر التي تحرّك قراراتنا، وكيف يمكن كسر الأنماط المتكرّرة دون الوقوع في فخاللوم أو الشعور بالذنب.   يتناول الحوار كيف يمكن للشعور بالذنب أن يعيق التعلّم،ولماذا قد يشعر جهازك العصبي بعدم الأمان حتى عندما يبدو رصيدك البنكي مطمئنًا،وكيف صُمِّم الإنفاق الحديث ليستثير نظام المكافأة في الدماغ ويؤثّر على قراراتك.إنها جلسة عملية وإنسانية تركّز على بناء الثقة المالية من خلال الوعي، ووضع حدودواضحة، ووضع خطة قابلة للتنفيذ والالتزام.   اشترك للاستماع إلى المزيد من الحلقات والرؤى التي تساعدكعلى اتخاذ قرارات مالية واثقة ومدروسة   تعرّف أكثرعلى التثقيف المالي مع بنك الإمارات دبي الوطني: محوالأمية المالية | قرارات مالية ذكية | بنك الإمارات دبي الوطني [https://www.emiratesnbd.com/ar/corporate-social-responsibility/financial-literacy]

What really separates trading from investing, and why does it matter for your long term financial wellbeing?

What really separates trading from investing, and why does it matter for your long term financial wellbeing? In this episode of Financial Wellbeing by Emirates NBD, host Dana Kamber is joined by Giorgio Borelli, Head of Asset Allocation at Emirates NBD, for a clear and grounded conversation on trading, investing, risk and how real wealth is built over time. Giorgio explains the true difference between trading and investing, why timing short term swings is so challenging, and how patience, discipline and behaviour shape long term financial outcomes. He also discusses what helps people stay calm during volatility and why experience often matters more than theory when navigating markets. This episode helps you understand how to approach markets with clarity, confidence and realistic expectations. Tune in to hear:→ The real difference between trading and investing→ Why trading appears attractive but is extremely difficult to master→ How probability and risk management influence trading outcomes→ The traits and mindsets that fit investors and traders→ Common behavioural traps during market euphoria and panic→ How to stay grounded during market volatility→ When active trading makes sense and when investing is a better choice→ Why short timeframes are harder to predict than most people think→ Giorgio’s biggest financial belief that changed with experience Subscribe for more episodes and insights that help you make confident and informed financial decisions. ما الذي يميز التداول عن الاستثمار فعليًا، ولماذا يشكّل هذا الفرق أهمية كبيرة لرفاهك المالي على المدى الطويل؟ في هذه الحلقة من «التثقيف المالي مع بنك الإمارات دبي الوطني» تستضيف دانـــا كامبــر جورجيو بوريلّي، رئيس إدارة تخصيص الأصول في بنك الإمارات دبي الوطني، في حوار واضح وعميق حول التداول، الاستثمار، المخاطر، وكيفية بناء الثروة الحقيقية مع مرور الوقت. يشرح جورجيو الفارق الجوهري بين التداول والاستثمار، ولماذا يُعد توقيت التحركات قصيرة الأجل مهمة شديدة الصعوبة، وكيف تُسهم الصبر والانضباط والسلوك المالي في تشكيل النتائج طويلة المدى. كما يتحدث عن العوامل التي تساعد الأفراد على الحفاظ على الهدوء أثناء تقلبات الأسواق، ولماذا تكون الخبرة العملية في كثير من الأحيان أهم من المعرفة النظرية عند التعامل مع الأسواق. هذه الحلقة تمنحك رؤية أوضح لكيفية التعامل مع الأسواق بثقة، ووعي، وتوقعات واقعية. استمع لتتعرف على: → الفرق الحقيقي بين التداول والاستثمار → لماذا يبدو التداول جذابًا رغم صعوبة إتقانه → كيف يؤثر عامل الاحتمالات وإدارة المخاطر في نتائج التداول → السمات الذهنية والسلوكية التي تميّز المتداولين والمستثمرين → أكثر السلوكيات شيوعًا أثناء موجات التفاؤل أو الذعر في الأسواق → كيف تبقى متزنًا خلال فترات التقلبات → متى يكون التداول النشط خيارًا منطقيًا ومتى يكون الاستثمار الخيار الأفضل → لماذا يصعب التنبؤ بالأطر الزمنية القصيرة رغم انتشار هذا الاعتقاد → القناعة المالية الأكبر لدى جورجيو التي تغيّرت بفضل التجربة اشترك في البودكاست للحصول على المزيد من الحلقات والرؤى التي تساعدك على اتخاذ قرارات مالية أكثر وعيًا وثقة. Key Moments 00:00 Welcome and introduction to trading and investing 01:00 What staying invested really means for long term growth 02:00 Why short term trading and timing the market is difficult 03:00 Mindset differences between investors and traders 04:00 Why consistent success in trading is statistically hard 05:00 The role of discipline and risk management 06:00 Understanding volatility and short term noise 08:00 Behavioural mistakes such as herding and holding losses 10:00 Should active trading be used for retirement planning 12:00 How to stay grounded during market stress 14:00 The importance of diversification during volatility 20:00 Key takeaways on risk, patience and self awareness

IPOs-Should you Buy in ?

In this first episode of Season 2 of Financial Wellbeing with Emirates NBD, host Dana Kamber is joined by Essa Al Rafi, Director of Equity Capital Markets at Emirates NBD, for a deep dive into IPOs, what they are, how they work, and what investors should know before taking part. Essa explains the journey of a company going public, from intention to float to listing, and why IPOs have become such a major trend in the UAE. He also shares how investors can assess opportunities, understand oversubscription, and stay mindful of risk in a market full of buzz and excitement. Tune in to hear: → What an IPO is and why companies go public → How to evaluate whether an IPO fits your investment goals → What oversubscription really means → The full IPO process in the UAE → How to identify your investor type and manage risk → Tips for avoiding hype and investing safely → Why knowledge and discipline matter more than FOMO Subscribe for more episodes and insights to help you make confident, informed financial decisions. #FinancialWellbeing #EmiratesNBD #Investing #IPO #WealthManagement #FinancialFreedom #StockMarket #FinancialEducation Visit our website Financial Literacy | Empowering Smarter Financial Decisions | Emirates NBD [https://www.emiratesnbd.com/en/corporate-social-responsibility/financial-literacy] Follow us on social Instagram: https://www.instagram.com/emiratesnbd_ae/ LinkedIn: https://www.linkedin.com/company/emirates-nbd/ Facebook: https://www.facebook.com/EmiratesNBD/ X: https://x.com/EmiratesNBD_AE [https://x.com/EmiratesNBD_AE] Youtube Playlist:  https://youtube.com/playlist?list=PL38eg_9ofa1K6gWumZa3kyQF5-wKRkbEa&si=BQT7UrJDd8ZeHAMU [https://youtube.com/playlist?list=PL38eg_9ofa1K6gWumZa3kyQF5-wKRkbEa&si=BQT7UrJDd8ZeHAMU] Key Moments 00:00 Welcome to Season 2 and introduction to IPOs 00:42 What it means when a company goes public 01:18 Why companies choose to list and the benefits of going public 02:12 UAE’s growing IPO market and global investor demand 03:03 How to know if an IPO is right for you 04:10 Step-by-step process of investing in an IPO in the UAE 05:12 Oversubscription explained and why it signals investor confidence 07:00 How to evaluate an IPO’s price and fundamentals 09:15 When to sell or hold shares after listing 11:15 Top advice: research first, avoid hype, and invest safely في الحلقة الأولى من الموسم الثاني من بودكاست التثقيف المالي مع بنك الإمارات دبي الوطني، تستضيف دانة قمبر ضيفها عيسى الرفيع، مدير أسواق رأس المال في بنك الإمارات دبي الوطني، للحديث بعمق عن الاكتتابات العامة الأولية—ما هي، كيف تعمل، وما الذي ينبغي على المستثمر معرفته قبل المشاركة فيها. يشرح عيسى رحلة الشركة نحو الإدراج، من إعلان نية الطرح وحتى إدراج الأسهم، ولماذا أصبحت الاكتتابات اتجاهاً متنامياً في دولة الإمارات. كما يتناول كيفية تقييم الفرص، وفهم فائض الاكتتاب، والتعامل مع المخاطر في سوق مليء بالزخم والاهتمام. استمع إلى الحلقة للتعرّف على: • ما هو الاكتتاب العام ولماذا تلجأ الشركات للطرح • كيفية تقييم ما إذا كان الاكتتاب مناسباً لأهدافك الاستثمارية • المعنى الحقيقي لفائض الاكتتاب • مراحل عملية الاكتتاب في دولة الإمارات • كيفية تحديد نوع المستثمر وإدارة المخاطر • نصائح لتجنّب الاندفاع وراء الضجيج والاستثمار بوعي • لماذا تبقى المعرفة والانضباط أهم من الخوف من فوت الفرصة اشترك الآن لمزيد من الحلقات والنصائح العملية في مجال التثقيف المالي. تعرّف أكثر على التثقيف المالي مع بنك الإمارات دبي الوطني: محو الأمية المالية | قرارات مالية ذكية | بنك الإمارات دبي الوطني [https://www.emiratesnbd.com/ar/corporate-social-responsibility/financial-literacy]