Q: I
ordered three items online and expected to receive them within five business days, as stated by the site. I do not wish to cancel the goods I bought. What can I do if my online purchase is not delivered by the seller, or it is delivered late? Can I demand that the Dh35 fee be waived for failure to deliver
on time?
A: Generally, there are terms and conditions that a buyer has to agree to or "check" on a website before making a purchase. Those terms and conditions may be considered as an agreement between parties, which may elaborate on terms of sale. If terms and condition state that delivery will be given free if not delivered with the five-day period then you may have a right to have deliver fee waived. Otherwise you may be required to pay delivery fee in full for having products delivered at your doorstep or you may refuse to receive products.
Q: I bought a face product that I discovered was oxidised after opening it. I'm not sure how this happened but I'm guessing it might be from the way it was transported. I tried returning it to the store and they said that I probably left it open in the sun - which I haven't. It's an expensive product that is sensitive to sunlight. How can I prove that it was their fault and why aren't they taking responsibility?
A: Any defect in a product must be immediately reported to the seller. According to consumer protection law no 24 of 2006, the seller is obliged to either refund the whole amount or exchange products. You may raise a complaint against the seller in the consumer protection department to seek a remedy prescribed by law. As long as the defect existed at the time of purchase, you may claim full refund or exchange of product.
Q: My Etisalat mobile internet data package stopped working. I filed a complaint. I was without internet for a few days so I bought an additional 1GB internet package for Dh50 while my issue was being resolved. It took them three days
. Shouldn't they refund me for the 1GB package I bought while they were fixing my problem? Essentially, it was the company's fault.
A: If the subscription contract with Etisalat states that an alternative internet scheme will be provided in the event of a fault then you may have a right to claim an alternative package while issues with existing subscription are resolved. In all other events, Etisalat may not be liable to compensate for alternative data packages.
If you have a question for Mr Elhais, email newsdesk@thenational.ae with the subject line 'Consumer Q&A'.
How to become a Boglehead
Bogleheads follow simple investing philosophies to build their wealth and live better lives. Just follow these steps.
• Spend less than you earn and save the rest. You can do this by earning more, or being frugal. Better still, do both.
• Invest early, invest often. It takes time to grow your wealth on the stock market. The sooner you begin, the better.
• Choose the right level of risk. Don't gamble by investing in get-rich-quick schemes or high-risk plays. Don't play it too safe, either, by leaving long-term savings in cash.
• Diversify. Do not keep all your eggs in one basket. Spread your money between different companies, sectors, markets and asset classes such as bonds and property.
• Keep charges low. The biggest drag on investment performance is all the charges you pay to advisers and active fund managers.
• Keep it simple. Complexity is your enemy. You can build a balanced, diversified portfolio with just a handful of ETFs.
• Forget timing the market. Nobody knows where share prices will go next, so don't try to second-guess them.
• Stick with it. Do not sell up in a market crash. Use the opportunity to invest more at the lower price.
SHAITTAN
%3Cp%3E%3Cstrong%3EDirector%3A%20%3C%2Fstrong%3EVikas%20Bahl%3Cbr%3E%3Cstrong%3EStarring%3A%20%3C%2Fstrong%3EAjay%20Devgn%2C%20R.%20Madhavan%2C%20Jyothika%2C%20Janaki%20Bodiwala%3Cbr%3E%3Cstrong%3ERating%3A%20%3C%2Fstrong%3E3%2F5%3C%2Fp%3E%0A
Director: Laxman Utekar
Cast: Vicky Kaushal, Akshaye Khanna, Diana Penty, Vineet Kumar Singh, Rashmika Mandanna
Rating: 1/5
Vidaamuyarchi
Director: Magizh Thirumeni
Stars: Ajith Kumar, Arjun Sarja, Trisha Krishnan, Regina Cassandra
Rating: 4/5
German intelligence warnings
- 2002: "Hezbollah supporters feared becoming a target of security services because of the effects of [9/11] ... discussions on Hezbollah policy moved from mosques into smaller circles in private homes." Supporters in Germany: 800
- 2013: "Financial and logistical support from Germany for Hezbollah in Lebanon supports the armed struggle against Israel ... Hezbollah supporters in Germany hold back from actions that would gain publicity." Supporters in Germany: 950
- 2023: "It must be reckoned with that Hezbollah will continue to plan terrorist actions outside the Middle East against Israel or Israeli interests." Supporters in Germany: 1,250
Source: Federal Office for the Protection of the Constitution
Emergency
Director: Kangana Ranaut
Stars: Kangana Ranaut, Anupam Kher, Shreyas Talpade, Milind Soman, Mahima Chaudhry
Rating: 2/5
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
How to avoid crypto fraud
- Use unique usernames and passwords while enabling multi-factor authentication.
- Use an offline private key, a physical device that requires manual activation, whenever you access your wallet.
- Avoid suspicious social media ads promoting fraudulent schemes.
- Only invest in crypto projects that you fully understand.
- Critically assess whether a project’s promises or returns seem too good to be true.
- Only use reputable platforms that have a track record of strong regulatory compliance.
- Store funds in hardware wallets as opposed to online exchanges.