Is it the law that an employer in the UAE is obliged to pay you a housing allowance that ensures adequate housing for yourself and your family? -IS Abu Dhabi
There is no law that stipulates that an employer must pay any housing allowance, let alone one at a specific level. While many expats receive a housing allowance as part of their package, this is a benefit that they negotiate with their employer and is not part of UAE Labour Law.
About a month ago, I saw an offer on Cobone, the group-buying website, for an iPad 3 64GB Wi-Fi. It cost Dh2,789, a saving of Dh 1,000. I applied, paid and received the voucher. I then emailed the voucher to the supplier, a company called MultiMinds, based in Dubai. The voucher specified delivery within four to five working days. A week later, I still hadn't received it and so I called MultiMinds, which gave me various answers about when it would be delivered. These included "tomorrow", "this week" and "waiting for stock". After getting nowhere with MultiMinds, I contacted Cobone for a refund. They were less than helpful, but a week or so later I received an email from MultiMinds asking for my bank details so it could send me a refund. That was almost two weeks ago and no refund has been paid. How do I get the refund and who should be making it? I received an email today from Cobone basically washing its hands of it and telling me I should deal directly with MultiMinds. -MM Dubai
I referred the matter to Paul Kenny, the chief executive of Cobone, and the promised refund was made the same day. MM is delighted with the outcome. Mr Kenny acted promptly, which is how problems such as these should be resolved.
My unlimited employment contract has been terminated after my firm merged with another company in the same group and I have been given 30 days' notice as per contract. I applied for reimbursement of my annual flight on the same day as the termination, but before it occurred. Including the notice period, I will have worked there for 10 months. Am I still entitled to the full amount or are they allowed to only pay 10 months out of 12 of the cost? A friend has advised that I am entitled to compensation of three months' salary. Is this correct? -NG Abu Dhabi
NG's entitlement to benefits on being made redundant depends on the wording of the employment contract signed by both parties, as well as the standard UAE Labour Law. An employer is obliged to provide an employee with a flight to return to their country of origin at the end of a contract, as per Article 131 of UAE Labour Law, which says: "Expenses for repatriation of an employee to his place of origin or any other place agreed upon by both parties shall be borne by the employer." But this only applies if the employee returns to a home country and does not take up new employment, in which case the new employer is then liable. If a contract of employment states that the employer will pay for an annual flight, it is the actual wording that is relevant and whether this is payable after a year of service or if it accrues pro-rata. Employees who are made redundant are not automatically entitled to three months' salary unless this is clearly stated in their contract. Article 117 of the Labour Law states that "the employer and employee may terminate the employment contract with unlimited period for a valid reason at any time after conclusion of the contract by written notice duly given to other party, 30 days at least prior to termination".
I am British and have been living in Dubai for two years. I still pay UK National Insurance contributions, but have a query about receiving National Health Service (NHS) treatment. Some friends are telling me that I should receive free treatment as I hold a British passport and have paid into the system for years, but others say that I am not entitled to anything as I am not living in the UK. Can you clarify? -GE Dubai
If a UK resident leaves the country and is working overseas and not paying income tax, they will generally be presumed to be non-resident for tax purposes and, as such, no longer eligible for free treatment under the NHS. The payment of voluntary National Insurance contributions counts towards the State Pension and has nothing to do with being able to use the NHS as a non-resident of the UK. . Generally, emergency treatment is free for anyone who requires it, but there may be a charge for associated treatment. Each health authority will have its own guidelines, but they are unlikely to vary. To be treated without charge, you would have to take up full-time residency in the UK again.
Keren Bobker is an independent financial adviser with Holborn Assets in Dubai. Contact her at keren@holbornassets.com or onyourside@thenational.ae
The biog
Favourite book: You Are the Placebo – Making your mind matter, by Dr Joe Dispenza
Hobby: Running and watching Welsh rugby
Travel destination: Cyprus in the summer
Life goals: To be an aspirational and passionate University educator, enjoy life, be healthy and be the best dad possible.
Moon Music
Artist: Coldplay
Label: Parlophone/Atlantic
Number of tracks: 10
Rating: 3/5
Zayed Sustainability Prize
Thank You for Banking with Us
Director: Laila Abbas
Starring: Yasmine Al Massri, Clara Khoury, Kamel El Basha, Ashraf Barhoum
Rating: 4/5
Jigra
Starring: Alia Bhatt, Vedang Raina, Manoj Pahwa, Harsh Singh
Killing of Qassem Suleimani
Apple%20Mac%20through%20the%20years
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COMPANY%20PROFILE
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Abu Dhabi Sustainability Week
COMPANY%20PROFILE%20
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Company%20profile
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How Filipinos in the UAE invest
A recent survey of 10,000 Filipino expatriates in the UAE found that 82 per cent have plans to invest, primarily in property. This is significantly higher than the 2014 poll showing only two out of 10 Filipinos planned to invest.
Fifty-five percent said they plan to invest in property, according to the poll conducted by the New Perspective Media Group, organiser of the Philippine Property and Investment Exhibition. Acquiring a franchised business or starting up a small business was preferred by 25 per cent and 15 per cent said they will invest in mutual funds. The rest said they are keen to invest in insurance (3 per cent) and gold (2 per cent).
Of the 5,500 respondents who preferred property as their primary investment, 54 per cent said they plan to make the purchase within the next year. Manila was the top location, preferred by 53 per cent.
COMPANY PROFILE
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Total funding: Self funded
The specs
BMW M8 Competition Coupe
Engine 4.4-litre twin-turbo V8
Power 625hp at 6,000rpm
Torque 750Nm from 1,800-5,800rpm
Gearbox Eight-speed paddleshift auto
Acceleration 0-100kph in 3.2 sec
Top speed 305kph
Fuel economy, combined 10.6L / 100km
Price from Dh700,000 (estimate)
On sale Jan/Feb 2020
Biog
Mr Kandhari is legally authorised to conduct marriages in the gurdwara
He has officiated weddings of Sikhs and people of different faiths from Malaysia, Sri Lanka, Russia, the US and Canada
Father of two sons, grandfather of six
Plays golf once a week
Enjoys trying new holiday destinations with his wife and family
Walks for an hour every morning
Completed a Bachelor of Commerce degree in Loyola College, Chennai, India
2019 is a milestone because he completes 50 years in business
Company profile
Company name: Dharma
Date started: 2018
Founders: Charaf El Mansouri, Nisma Benani, Leah Howe
Based: Abu Dhabi
Sector: TravelTech
Funding stage: Pre-series A
Investors: Convivialite Ventures, BY Partners, Shorooq Partners, L& Ventures, Flat6Labs
Company%20Profile
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Joker: Folie a Deux
Starring: Joaquin Phoenix, Lady Gaga, Brendan Gleeson
Director: Todd Phillips
Rating: 2/5
MATCH INFO
Uefa Champions League semi-final:
First leg: Liverpool 5 Roma 2
Second leg: Wednesday, May 2, Stadio Olimpico, Rome
TV: BeIN Sports, 10.45pm (UAE)
COMPANY PROFILE
Name: Almnssa
Started: August 2020
Founder: Areej Selmi
Based: Gaza
Sectors: Internet, e-commerce
Investments: Grants/private funding
How to protect yourself when air quality drops
Install an air filter in your home.
Close your windows and turn on the AC.
Shower or bath after being outside.
Wear a face mask.
Stay indoors when conditions are particularly poor.
If driving, turn your engine off when stationary.
RESULTS
6.30pm: Handicap (TB) $68,000 (Dirt) 1,600m
Winner: Hypothetical, Mickael Barzalona (jockey), Salem bin Ghadayer (trainer)
7.05pm: Meydan Sprint – Group 2 (TB) $163,000 (Turf) 1,000m
Winner: Equilateral, Andrea Atzeni, Charles Hills
7.40pm: Curlin Stakes – Listed Handicap (TB) $88,000 (D) 2,200m
Winner: New Trails, Fernando Jara, Ahmad bin Harmash
8.15pm: UAE Oaks – Group 3 (TB) $125,000 (D) 1,900m
Winner: Mnasek, Pat Dobbs, Doug Watson
8.50pm: Zabeel Mile – Group 2 (TB) $163,000 (T) 1,600m
Winner: D’bai, William Buick, Charlie Appleby
9.25pm: Balanchine – Group 2 (TB) $163,000 (T) 1,800m
Winner: Summer Romance, James Doyle, Charlie Appleby
10pm: Al Shindagha Sprint – Group 3 (TB) $130,000 (D) 1,200m
Winner: Al Tariq, Pat Dobbs, Doug Watson
COMPANY%20PROFILE
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MATCH INFO
Uefa Champions League semi-final, first leg
Bayern Munich v Real Madrid
When: April 25, 10.45pm kick-off (UAE)
Where: Allianz Arena, Munich
Live: BeIN Sports HD
Second leg: May 1, Santiago Bernabeu, Madrid
Graduated from the American University of Sharjah
She is the eldest of three brothers and two sisters
Has helped solve 15 cases of electric shocks
Enjoys travelling, reading and horse riding
RESULTS
6.30pm: Longines Conquest Classic Dh150,000 Maiden 1,200m.
Winner: Halima Hatun, Antonio Fresu (jockey), Ismail Mohammed (trainer).
7.05pm: Longines Gents La Grande Classique Dh155,000 Handicap 1,200m.
Winner: Moosir, Dane O’Neill, Doug Watson.
7.40pm: Longines Equestrian Collection Dh150,000 Maiden 1,600m.
Winner: Mazeed, Richard Mullen, Satish Seemar.
8.15pm: Longines Gents Master Collection Dh175,000 Handicap.
Winner: Thegreatcollection, Pat Dobbs, Doug Watson.
8.50pm: Longines Ladies Master Collection Dh225,000 Conditions 1,600m.
Winner: Cosmo Charlie, Pat Dobbs, Doug Watson.
9.25pm: Longines Ladies La Grande Classique Dh155,000 Handicap 1,600m.
Winner: Secret Trade, Tadhg O’Shea, Ali Rashid Al Raihe.
10pm: Longines Moon Phase Master Collection Dh170,000 Handicap 2,000m.
Winner:
Company%20Profile
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The Facility’s Versatility
Between the start of the 2020 IPL on September 20, and the end of the Pakistan Super League this coming Thursday, the Zayed Cricket Stadium has had an unprecedented amount of traffic.
Never before has a ground in this country – or perhaps anywhere in the world – had such a volume of major-match cricket.
And yet scoring has remained high, and Abu Dhabi has seen some classic encounters in every format of the game.
October 18, IPL, Kolkata Knight Riders tied with Sunrisers Hyderabad
The two playoff-chasing sides put on 163 apiece, before Kolkata went on to win the Super Over
January 8, ODI, UAE beat Ireland by six wickets
A century by CP Rizwan underpinned one of UAE’s greatest ever wins, as they chased 270 to win with an over to spare
February 6, T10, Northern Warriors beat Delhi Bulls by eight wickets
The final of the T10 was chiefly memorable for a ferocious over of fast bowling from Fidel Edwards to Nicholas Pooran
March 14, Test, Afghanistan beat Zimbabwe by six wickets
Eleven wickets for Rashid Khan, 1,305 runs scored in five days, and a last session finish
June 17, PSL, Islamabad United beat Peshawar Zalmi by 15 runs
Usman Khawaja scored a hundred as Islamabad posted the highest score ever by a Pakistan team in T20 cricket
COMPANY PROFILE
Name: HyperSpace
Started: 2020
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
Based: Dubai, UAE
Sector: Entertainment
Number of staff: 210
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners