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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

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
Keren Bobker
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
Keren Bobker
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
Keren Bobker
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
Keren Bobker
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
Keren Bobker
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
Keren Bobker
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
Keren Bobker
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
Keren Bobker
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
Keren Bobker
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
Keren Bobker
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
Keren Bobker
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

MoneyFebruary 10, 2025
Keren Bobker
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

MoneyJanuary 27, 2025
Keren Bobker
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

MoneyJanuary 13, 2025
Keren Bobker
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

MoneyDecember 30, 2024
Keren Bobker
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