FILE - In this June 15, 2017, file photo, a customer inserts a credit card to buy gas in Haverhill, Mass. It’s always good to pay off your credit card debt, but now may be a better time than ever to do so. Americans’ debt levels have been creeping back up recently and interest rates are expected to rise soon. That’s a combination that could put consumers in a bind if they’re carrying a balance on their cards. (AP Photo/Elise Amendola, File)
The question of whether a foreign worker wishing to return to Dubai is liable for another's debt depends on certain circumstances. Elise Amendola/AP

Will my father's debt prevent me returning to Dubai?



My family lived in the UAE for almost 15 years. My father lost his job in June 2016 and because of the market conditions he could not secure a job for almost six months.

He had a personal loan but could not pay this or his credit cards. I had to move to another country for work and my family moved back to India. Now since my assignment is over I wanted to move back to Dubai. I would like to know if I can be held responsible for his debt? I want to move back but at the same time don't want any legal complications because of my father.

TC, KSA

My understanding is that the outstanding debts are in TC’s father’s sole name and so he is the person who is legally responsible for them. Only the person who has borrowed the money, or both parties if a debt is in joint names, has liability for the repayments. Another party is only responsible if they have stood as a guarantor for a loan but that is not a common situation in the UAE.

I have started a new job under a limited contract in an LLC company in Dubai which pays me Dh12,500 per month. I am a science graduate. If I am terminated by my employer during the probation period can I join another LLC company based in Ajman on a higher wage? Or will I get a ban? If I do get a ban what can I do to get around it as I need to work? Do I have to pay anything?

KK, Dubai

Employment bans tend to be less punitive than in the past but will apply in certain circumstances, especially when someone leaves a job of their own accord. In this case, KK is asking about bans if he is terminated, or made redundant, and no employee should receive an employment ban if they lose their job through no fault of their own, no matter how long they have been employed.

The employer is not required to give notice of termination during probation and rights to other benefits or the usual compensation for breaking a contract do not apply. The employer must however, pay the employee in full for the time worked.

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Read more:

Will my bank account be frozen when my residence visa is cancelled?

Will I receive less UAE gratuity for resigning before three years?

The Debt Panel: 'Can I defer my debts if I was made redundant and my employer did not pay me?'

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I own an apartment in Dubai and the mortgage will soon be repaid in full. I am planning a move back to my home country of Canada later this year but I do not want to sell the apartment at this time. I do not know if I will return to the UAE to live and may want to sell it in a few years’ time. Is there a way of doing this without coming back to the UAE? It’s a long way and expensive so can I give a good friend authority to handle a sale on my behalf? I don’t want to give anyone full Power of Attorney over my affairs, or access to my bank account, so can someone just deal with the property sale for me? How can I set this up?

ER, Dubai

A Power of Attorney is a written legal document that gives someone authority to act for another person in legal or financial matters. It is possible to arrange a Power of Attorney that relates to just one issue but it will need to be worded carefully so that it properly covers the complete topic, doesn’t cover other areas, and will be accepted by all relevant parties. It is not uncommon for a Power of Attorney to be used in connection with real estate when one or more parties is not present to deal with a transaction, especially in the UAE where there are many overseas investors. This is usually known as a Special Power of Attorney and can be limited in scope and/or timeframe.  In the case of the sale of a property in Dubai, the Land Department will take the original on the day of sale, providing further protection.

The person appointed needs to be of the required legal age, so at least aged 21 in the UAE and, if in relation to a property transaction, they must not be a registered real estate agent. As the representative is being given full authority to act and make decisions, it is important that there is full trust and the confidence that they will act in the right way as any decisions or actions that they take will be legally binding.

In the UAE, a Power of Attorney can be arranged via the Public Notary, or via a lawyer in a registered practice. It must be fully certified and attested legally by the relevant government authorities. If someone is resident in Dubai this will usually be the Public Notary but if they are outside of the UAE, it must be legalised in whatever country they are based, and then also the Ministry of Foreign Affairs in the UAE. In Dubai a Power of Attorney is usually valid for a period of two years only.

Keren Bobker is an independent financial adviser and Senior Partner with Holborn Assets in Dubai, with over 25 years’ experience. Contact her at keren@holbornassets.com. Follow her on Twitter at @FinancialUAE.

The advice provided in our columns does not constitute legal advice and is provided for information only.

The Africa Institute 101

Housed on the same site as the original Africa Hall, which first hosted an Arab-African Symposium in 1976, the newly renovated building will be home to a think tank and postgraduate studies hub (it will offer master’s and PhD programmes). The centre will focus on both the historical and contemporary links between Africa and the Gulf, and will serve as a meeting place for conferences, symposia, lectures, film screenings, plays, musical performances and more. In fact, today it is hosting a symposium – 5-plus-1: Rethinking Abstraction that will look at the six decades of Frank Bowling’s career, as well as those of his contemporaries that invested social, cultural and personal meaning into abstraction. 

Honeymoonish

Director: Elie El Samaan

Starring: Nour Al Ghandour, Mahmoud Boushahri

Rating: 3/5

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.

COMPANY PROFILE

Name: Xpanceo

Started: 2018

Founders: Roman Axelrod, Valentyn Volkov

Based: Dubai, UAE

Industry: Smart contact lenses, augmented/virtual reality

Funding: $40 million

Investor: Opportunity Venture (Asia)

Three-day coronation

Royal purification

The entire coronation ceremony extends over three days from May 4-6, but Saturday is the one to watch. At the time of 10:09am the royal purification ceremony begins. Wearing a white robe, the king will enter a pavilion at the Grand Palace, where he will be doused in sacred water from five rivers and four ponds in Thailand. In the distant past water was collected from specific rivers in India, reflecting the influential blend of Hindu and Buddhist cosmology on the coronation. Hindu Brahmins and the country's most senior Buddhist monks will be present. Coronation practices can be traced back thousands of years to ancient India.

The crown

Not long after royal purification rites, the king proceeds to the Baisal Daksin Throne Hall where he receives sacred water from eight directions. Symbolically that means he has received legitimacy from all directions of the kingdom. He ascends the Bhadrapitha Throne, where in regal robes he sits under a Nine-Tiered Umbrella of State. Brahmins will hand the monarch the royal regalia, including a wooden sceptre inlaid with gold, a precious stone-encrusted sword believed to have been found in a lake in northern Cambodia, slippers, and a whisk made from yak's hair.

The Great Crown of Victory is the centrepiece. Tiered, gold and weighing 7.3 kilograms, it has a diamond from India at the top. Vajiralongkorn will personally place the crown on his own head and then issues his first royal command.

The audience

On Saturday afternoon, the newly-crowned king is set to grant a "grand audience" to members of the royal family, the privy council, the cabinet and senior officials. Two hours later the king will visit the Temple of the Emerald Buddha, the most sacred space in Thailand, which on normal days is thronged with tourists. He then symbolically moves into the Royal Residence.

The procession

The main element of Sunday's ceremonies, streets across Bangkok's historic heart have been blocked off in preparation for this moment. The king will sit on a royal palanquin carried by soldiers dressed in colourful traditional garb. A 21-gun salute will start the procession. Some 200,000 people are expected to line the seven-kilometre route around the city.

Meet the people

On the last day of the ceremony Rama X will appear on the balcony of Suddhaisavarya Prasad Hall in the Grand Palace at 4:30pm "to receive the good wishes of the people". An hour later, diplomats will be given an audience at the Grand Palace. This is the only time during the ceremony that representatives of foreign governments will greet the king.

When Umm Kulthum performed in Abu Dhabi

Known as The Lady of Arabic Song, Umm Kulthum performed in Abu Dhabi on November 28, 1971, as part of celebrations for the fifth anniversary of the accession of Sheikh Zayed bin Sultan Al Nahyan as Ruler of Abu Dhabi. A concert hall was constructed for the event on land that is now Al Nahyan Stadium, behind Al Wahda Mall. The audience were treated to many of Kulthum's most well-known songs as part of the sold-out show, including Aghadan Alqak and Enta Omri.

Company profile

Company name: Fasset
Started: 2019
Founders: Mohammad Raafi Hossain, Daniel Ahmed
Based: Dubai
Sector: FinTech
Initial investment: $2.45 million
Current number of staff: 86
Investment stage: Pre-series B
Investors: Investcorp, Liberty City Ventures, Fatima Gobi Ventures, Primal Capital, Wealthwell Ventures, FHS Capital, VN2 Capital, local family offices

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)

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

HWJN

Director: Yasir Alyasiri

Starring: Baraa Alem, Nour Alkhadra, Alanoud Saud

Rating: 3/5

The years Ramadan fell in May

1987

1954

1921

1888

Confirmed bouts (more to be added)

Cory Sandhagen v Umar Nurmagomedov
Nick Diaz v Vicente Luque
Michael Chiesa v Tony Ferguson
Deiveson Figueiredo v Marlon Vera
Mackenzie Dern v Loopy Godinez

Tickets for the August 3 Fight Night, held in partnership with the Department of Culture and Tourism Abu Dhabi, went on sale earlier this month, through www.etihadarena.ae and www.ticketmaster.ae.

Key developments

All times UTC+4

Abu Dhabi GP schedule

Friday: First practice - 1pm; Second practice - 5pm

Saturday: Final practice - 2pm; Qualifying - 5pm

Sunday: Etihad Airways Abu Dhabi Grand Prix (55 laps) - 5.10pm

Scorline

Iraq 1-0 UAE

Iraq Hussein 28’

Company Profile

Name: HyveGeo
Started: 2023
Founders: Abdulaziz bin Redha, Dr Samsurin Welch, Eva Morales and Dr Harjit Singh
Based: Cambridge and Dubai
Number of employees: 8
Industry: Sustainability & Environment
Funding: $200,000 plus undisclosed grant
Investors: Venture capital and government

Our family matters legal consultant

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

Director: Nag Ashwin

Starring: Prabhas, Saswata Chatterjee, Deepika Padukone, Amitabh Bachchan, Shobhana

Rating: ★★★★

SCHEDULE FOR SHOW COURTS

Centre Court - from 4pm (UAE time)
Angelique Kerber (1) v Irina Falconi
Martin Klizan v Novak Djokovic (2)
Alexandr Dolgopolov v Roger Federer (3)

Court One - from 4pm
Milos Raonic (6) v Jan-Lennard Struff
Karolina Pliskova (3) v Evgeniya Rodina
Dominic Thiem (8) v Vasek Pospisil

Court Two - from 2.30pm
Juan Martin Del Potro (29) v Thanasi Kokkinakis
Agnieszka Radwanska (9) v Jelena Jankovic
Jeremy Chardy v Tomas Berdych (11)
Ons Jabeur v Svetlana Kuznetsova (7)

The more serious side of specialty coffee

While the taste of beans and freshness of roast is paramount to the specialty coffee scene, so is sustainability and workers’ rights.

The bulk of genuine specialty coffee companies aim to improve on these elements in every stage of production via direct relationships with farmers. For instance, Mokha 1450 on Al Wasl Road strives to work predominantly with women-owned and -operated coffee organisations, including female farmers in the Sabree mountains of Yemen.

Because, as the boutique’s owner, Garfield Kerr, points out: “women represent over 90 per cent of the coffee value chain, but are woefully underrepresented in less than 10 per cent of ownership and management throughout the global coffee industry.”

One of the UAE’s largest suppliers of green (meaning not-yet-roasted) beans, Raw Coffee, is a founding member of the Partnership of Gender Equity, which aims to empower female coffee farmers and harvesters.

Also, globally, many companies have found the perfect way to recycle old coffee grounds: they create the perfect fertile soil in which to grow mushrooms.