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Keren Bobker

Keren Bobker

Keren Bobker is an independent financial adviser and senior partner with Holborn Assets in Dubai, with more than 30 years’ experience. Contact her at keren@holbornassets.com or at www.financialuae.com

Articles

The non-compete clause should not be used as a way of preventing any departing employee from taking another job. Getty Images
‘Is a non-compete clause valid if I quit during the probation period?’

The worker shall be exempted from this clause if the employment contract is terminated during probation

June 02, 2025
The Al Etihad Credit Bureau's data is used by banks and other lenders to assess applications for credit. Silvia Razgova / The National
‘Will a missed loan payment affect my UAE credit score?’

The Al Etihad Credit Bureau records bounced cheques and has information on credit card usage

May 19, 2025
The person who used swear words during the argument has apologised for their actions. Getty Images
‘Can I get into legal trouble in the UAE for swearing?’

If a formal complaint has been lodged, its status can be checked at a police station

May 05, 2025
The terms of employment remain unchanged when an employee receives a golden visa. Pawan Singh / The National
'Will cancelling my work visa to obtain Abu Dhabi golden visa affect my gratuity?'

Employer must apply for a non-sponsored work permit and is also legally obliged to continue providing medical insurance, exactly as before

April 21, 2025
If you have an employment contract, a residence visa and a work permit, you are legally considered to be an employee of the company. Getty Images
'I've a job contract and a visa, but I've still not started work'

Arranging these documents confirms employment and the person should be paid a salary

April 07, 2025
Most banks offer full information for every credit card they offer on their website, with sections where customers can download a full fee schedule. Getty Images
‘Can my bank charge a late payment fee for a one-week delay?’

The bank is within its rights to charge a penalty and that is likely to be automated

March 24, 2025
Anything that looks too good to be true is invariably a way of conning people. Getty Images
‘Should I invest with a company offering me 3% returns per month for three years?’

There is no such thing as an investment that is fully capital-protected

March 10, 2025
Financial companies are required to verify the identity of their customers and keep these documents up to date. Getty Images
‘Will my bank ask for personal details over email or is it a scam?’

Regulated financial institutions may ask for credentials to update KYC as part of anti-money laundering and compliance procedures

February 24, 2025
A woman can apply for a residency permit for her husband after hers has been issued, and it is easier if the employer assists. Getty Images
‘Can a woman sponsor her husband in Saudi Arabia?’

Family sponsorship in the kingdom depends on the type of visa and employment contract

February 10, 2025
A payslip received by email can be printed or forwarded as a record. Getty Images
‘Can a UAE employer refuse to provide a payslip?’

All employees should be offered one, even if only a soft copy

January 27, 2025
Part-time employees are entitled to public holidays that fall on their workdays. Getty Images
Does the UAE’s annual leave law apply differently to part-time employees?

All workers are entitled to leave depending on their working hours

January 13, 2025
Companies should have a staff handbook that clearly outlines the policy regarding carrying forward unused vacation days. Getty Images
‘Am I allowed to carry forward my unused annual leave in the UAE?’

Employees can take a maximum of 15 days' annual leave into the next year

December 30, 2024
Passengers using the Smart Gate system at Dubai International Airport. Pawan Singh / The National
'Can my company force me to pay early visa renewal charges?'

In all situations, the costs of employment including visa and work permit fees are the responsibility of the employer

December 16, 2024
There is no legal reason to stop anyone from having residence visas for both the UAE and Saudi Arabia. Pawan Singh / The National
'Can I hold a UAE golden visa and a Saudi residency visa?'

This is legally allowed as multiple residencies are permitted

December 02, 2024
The amount of rental profit can be reduced by offsetting certain expenses. Getty Images
'Will I need to pay tax in UK if I rent out my Dubai apartment after relocating to Scotland?'

UK resident for tax purposes is subject to UK income tax on their worldwide income

November 18, 2024

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