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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

There are now several ways in which people can qualify for a UAE golden visa. Pawan Singh / The National
‘Will I qualify for a UAE golden visa if my basic salary is below Dh30,000?’

The employee’s salary exceeds the required threshold only when the housing allowance is added

MoneySeptember 08, 2025
No employer in the UAE can decide not to pay a basic salary. Antonie Robertson / The National
‘Can my employer withhold my basic salary if customers default?’

It is highly irregular for staff commission to depend on every part of a business

MoneyAugust 25, 2025
If someone is unwell due to an illness or injury that arose at work, they should be paid, but this can be impossible to prove in the case of illness. Getty Images
‘Can my salary be deducted if I take sick leave during probation?’

The UAE labour law states that a worker is not entitled to paid sick leave during probation

MoneyAugust 10, 2025
It is illegal to employ a domestic worker that claims to have their own visa or who is under the sponsorship of another resident. Getty Images
‘Can I employ a domestic helper who has her own UAE visa?’

Domestic workers must be employed through an agency or be sponsored as a direct employee

MoneyJuly 28, 2025
Anyone who has a case pending for not repaying debts is likely to be prevented from leaving the UAE through any point of exit. Chris Whiteoak / The National
‘If I have a police case pending in Dubai, can I fly out from Abu Dhabi?'

The reader has missed four months of debt repayment after losing their job

MoneyJuly 14, 2025
A UAE birth certificate, which does not make reference to nationality or religion, can be used to apply for a baby's passport. Getty Images
‘Does a child take the mother’s or father’s nationality?’

A child can take the nationality of either parent or both

MoneyJune 30, 2025
All employees are entitled to take annual leave on official public holidays that fall on their normal working days. Chris Whiteoak / The National
‘Can I demand money for working on UAE public holidays?’

If the employee does not want any extra time off work, they are entitled to receive 150 per cent of their daily salary

MoneyJune 16, 2025
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

MoneyJune 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

MoneyMay 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

MoneyMay 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

MoneyApril 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

MoneyApril 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

MoneyMarch 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

MoneyMarch 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

MoneyFebruary 24, 2025
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