For many new expatriates, the first three months of life in the UAE can feel like a red-tape obstacle course. These tips will make the journey to month four much smoother.
UAE residency and ID
• Your passport must have at least six months left to run for UAE residency – check in good time before you arrive.
• Get your education certificates attested in advance and bring them with you, along with birth certificates and a marriage certificate if you intend to sponsor dependants.
• Bring passport photos for you and the family – you’ll need more than you realise.
• Ensure your employer, as your sponsor, has your employment visa waiting at the airport when you arrive. You are landing as a would-be resident, not a tourist, and cannot work on a tourist visa.
• There are three key pieces of ID you need – residence visa, Emirates ID and labour card. You cannot travel outside the country while your residency is being processed.
• Without your residence permit you will find it hard to get started on buying a car or renting a home. Stay patient.
Banking
• It takes time to set up a bank account, so bring enough funds to cover two months – the first month’s salary may be late and early outlays can be high.
• Some international banks allow you to open accounts in advance if you bank there already; others may allow a basic account without residency – you will get a debit card but no chequebook or lending facilities.
• Choose your bank carefully – look at fees, remittance costs, conventional and Islamic banking and whether you can pay utility bills easily with online banking.
• To open a bank account you need a letter of no objection from your employer, your original passport with a residence visa, an Emirates ID and a labour card.
• Credit reporting is new to the UAE and most banks still evaluate your employer when assessing your creditworthiness. Some companies are treated as non-listed companies. This makes it hard to apply for a loan. Check this if you’ll need credit.
Renting
• Take time choosing an area and use a reputable and registered agent. You must pay your rent upfront – either three, six or 12 months’ worth, depending on your contract and landlord. Negotiate hard, and not just on rent – the number of rent cheques and whether your landlord provides maintenance are also negotiable.
• In Dubai, the Real Estate Regulatory Agency has made the Ejari registration of rental contracts mandatory. In Abu Dhabi this is called the Tawtheeq.
• Most UAE accommodation is rented unfurnished, which includes white goods. Second-hand options are plentiful and often half the price.
Utilities
• Utilities (electricity, water, sewerage) come from a single provider (Adwea in Abu Dhabi, Dewa in Dubai, Sewa in Sharjah). You cannot apply without your tenancy contract.
• The two telecoms, broadband and subscription TV companies are du and Etisalat – you are normally limited to one or the other by where you live.
• You can get a basic mobile 90-day SIM card aimed at visitors at the airport without residency, but will need a residence visa and Emirates ID to get a prepaid or postpaid contract from du or Etisalat.
Education
• Waiting lists are long at popular schools, so research in advance and contact them before arriving (and certainly before paying a deposit).
• Once in the UAE, you will need residence visas, birth certificates and immunisation records.
• Fees are high – ranging from Dh2,500 a year to more than Dh90,000. Nurseries can also be expensive (up to Dh60,000 a year). Check the ratio of teachers and assistants to children – this controls both quality and cost.
Driving
• Bring your home country driving licence with you if you are eligible for it to be converted to a UAE licence (about 30 countries are). Otherwise enrol for driving lessons.
• Don’t rush to buy – leasing a car is cheaper in the early months. If you do buy, your no-claims certificate from your home country may be valid. Third-party insurance is mandatory for all drivers.
• Remember, once you have residency, you must apply for a UAE driving licence.
Health care
• Your employer should provide health insurance – but not necessarily for your family. You may need to insure your dependents yourself.
• A health card from the Ministry of Health allows treatment at government hospitals in emergencies for half the cost of a non-card holder.
pf@thenational.ae
COMPANY PROFILE
Name: SmartCrowd
Started: 2018
Founder: Siddiq Farid and Musfique Ahmed
Based: Dubai
Sector: FinTech / PropTech
Initial investment: $650,000
Current number of staff: 35
Investment stage: Series A
Investors: Various institutional investors and notable angel investors (500 MENA, Shurooq, Mada, Seedstar, Tricap)
DEADPOOL & WOLVERINE
Starring: Ryan Reynolds, Hugh Jackman, Emma Corrin
Director: Shawn Levy
Rating: 3/5
Ukraine
Capital: Kiev
Population: 44.13 million
Armed conflict in Donbass
Russia-backed fighters control territory
COMPANY PROFILE
Company name: Klipit
Started: 2022
Founders: Venkat Reddy, Mohammed Al Bulooki, Bilal Merchant, Asif Ahmed, Ovais Merchant
Based: Dubai, UAE
Industry: Digital receipts, finance, blockchain
Funding: $4 million
Investors: Privately/self-funded
Tori Amos
Native Invader
Decca
SUZUME
Director: Makoto Shinkai
Stars: Nanoka Hara, Hokuto Matsumura, Eri Fukatsu
Rating: 4/5
MATCH INFO
Barcelona 4 (Suarez 27', Vidal 32', Dembele 35', Messi 78')
Sevilla 0
Red cards: Ronald Araujo, Ousmane Dembele (Barcelona)
Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
The specs
Powertrain: Single electric motor
Power: 201hp
Torque: 310Nm
Transmission: Single-speed auto
Battery: 53kWh lithium-ion battery pack (GS base model); 70kWh battery pack (GF)
Touring range: 350km (GS); 480km (GF)
Price: From Dh129,900 (GS); Dh149,000 (GF)
On sale: Now
The years Ramadan fell in May
The Kingfisher Secret
Anonymous, Penguin Books
COMPANY PROFILE
Company name: Revibe
Started: 2022
Founders: Hamza Iraqui and Abdessamad Ben Zakour
Based: UAE
Industry: Refurbished electronics
Funds raised so far: $10m
Investors: Flat6Labs, Resonance and various others
COMPANY PROFILE
Company name: Almouneer
Started: 2017
Founders: Dr Noha Khater and Rania Kadry
Based: Egypt
Number of staff: 120
Investment: Bootstrapped, with support from Insead and Egyptian government, seed round of
$3.6 million led by Global Ventures
The specs
Engine: 3.9-litre twin-turbo V8
Power: 620hp from 5,750-7,500rpm
Torque: 760Nm from 3,000-5,750rpm
Transmission: Eight-speed dual-clutch auto
On sale: Now
Price: From Dh1.05 million ($286,000)
How to come clean about financial infidelity
- Be honest and transparent: It is always better to own up than be found out. Tell your partner everything they want to know. Show remorse. Inform them of the extent of the situation so they know what they are dealing with.
- Work on yourself: Be honest with yourself and your partner and figure out why you did it. Don’t be ashamed to ask for professional help.
- Give it time: Like any breach of trust, it requires time to rebuild. So be consistent, communicate often and be patient with your partner and yourself.
- Discuss your financial situation regularly: Ensure your spouse is involved in financial matters and decisions. Your ability to consistently follow through with what you say you are going to do when it comes to money can make all the difference in your partner’s willingness to trust you again.
- Work on a plan to resolve the problem together: If there is a lot of debt, for example, create a budget and financial plan together and ensure your partner is fully informed, involved and supported.
Carol Glynn, founder of Conscious Finance Coaching
Profile of Udrive
Date started: March 2016
Founder: Hasib Khan
Based: Dubai
Employees: 40
Amount raised (to date): $3.25m – $750,000 seed funding in 2017 and a Seed+ round of $2.5m last year. Raised $1.3m from Eureeca investors in January 2021 as part of a Series A round with a $5m target.
ULTRA PROCESSED FOODS
- Carbonated drinks, sweet or savoury packaged snacks, confectionery, mass-produced packaged breads and buns
- margarines and spreads; cookies, biscuits, pastries, cakes, and cake mixes, breakfast cereals, cereal and energy bars;
- energy drinks, milk drinks, fruit yoghurts and fruit drinks, cocoa drinks, meat and chicken extracts and instant sauces
- infant formulas and follow-on milks, health and slimming products such as powdered or fortified meal and dish substitutes,
- many ready-to-heat products including pre-prepared pies and pasta and pizza dishes, poultry and fish nuggets and sticks, sausages, burgers, hot dogs, and other reconstituted meat products, powdered and packaged instant soups, noodles and desserts.
Dirham Stretcher tips for having a baby in the UAE
Selma Abdelhamid, the group's moderator, offers her guide to guide the cost of having a young family:
• Buy second hand stuff
They grow so fast. Don't get a second hand car seat though, unless you 100 per cent know it's not expired and hasn't been in an accident.
• Get a health card and vaccinate your child for free at government health centres
Ms Ma says she discovered this after spending thousands on vaccinations at private clinics.
• Join mum and baby coffee mornings provided by clinics, babysitting companies or nurseries.
Before joining baby classes ask for a free trial session. This way you will know if it's for you or not. You'll be surprised how great some classes are and how bad others are.
• Once baby is ready for solids, cook at home
Take the food with you in reusable pouches or jars. You'll save a fortune and you'll know exactly what you're feeding your child.
Usain Bolt's World Championships record
2007 Osaka
200m Silver
4x100m relay Silver
2009 Berlin
100m Gold
200m Gold
4x100m relay Gold
2011 Daegu
100m Disqualified in final for false start
200m Gold
4x100m relay Gold
2013 Moscow
100m Gold
200m Gold
4x100m relay Gold
2015 Beijing
100m Gold
200m Gold
4x100m relay Gold
Company profile
Name: Tabby
Founded: August 2019; platform went live in February 2020
Founder/CEO: Hosam Arab, co-founder: Daniil Barkalov
Based: Dubai, UAE
Sector: Payments
Size: 40-50 employees
Stage: Series A
Investors: Arbor Ventures, Mubadala Capital, Wamda Capital, STV, Raed Ventures, Global Founders Capital, JIMCO, Global Ventures, Venture Souq, Outliers VC, MSA Capital, HOF and AB Accelerator.
The specs
Engine: 2.0-litre 4-cyl turbo
Power: 247hp at 6,500rpm
Torque: 370Nm from 1,500-3,500rpm
Transmission: 10-speed auto
Fuel consumption: 7.8L/100km
Price: from Dh94,900
On sale: now
Elvis
Director: Baz Luhrmann
Stars: Austin Butler, Tom Hanks, Olivia DeJonge
Rating: 4/5
COMPANY PROFILE
Name: Haltia.ai
Started: 2023
Co-founders: Arto Bendiken and Talal Thabet
Based: Dubai, UAE
Industry: AI
Number of employees: 41
Funding: About $1.7 million
Investors: Self, family and friends
The specs: 2018 Audi R8 V10 RWS
Price: base / as tested: From Dh632,225
Engine: 5.2-litre V10
Gearbox: Seven-speed automatic
Power: 540hp @ 8,250rpm
Torque: 540Nm @ 6,500rpm
Fuel economy, combined: 12.4L / 100km
NEW UTILITY POLICY: WHAT DOES IT REGULATE?
• Agreements on energy and water supply
• Applied service fees
• Customer data and information privacy
• Prohibition of service disconnections
• Customer complaint process
• Management of debts and customers in default
• Services provided to people of determination and home care customers
How tumultuous protests grew
- A fuel tax protest by French drivers appealed to wider anti-government sentiment
- Unlike previous French demonstrations there was no trade union or organised movement involved
- Demonstrators responded to online petitions and flooded squares to block traffic
- At its height there were almost 300,000 on the streets in support
- Named after the high visibility jackets that drivers must keep in cars
- Clashes soon turned violent as thousands fought with police at cordons
- An estimated two dozen people lost eyes and many others were admitted to hospital
Profile
Company: Justmop.com
Date started: December 2015
Founders: Kerem Kuyucu and Cagatay Ozcan
Sector: Technology and home services
Based: Jumeirah Lake Towers, Dubai
Size: 55 employees and 100,000 cleaning requests a month
Funding: The company’s investors include Collective Spark, Faith Capital Holding, Oak Capital, VentureFriends, and 500 Startups.
On racial profiling at airports