My Personal Finance Blog

Home Insurance is really important, but the current trend is to skimp on the cost of it. but why? Your home is most likely to be the most expensive item you own, and so why not make sure its insured properly for any damage or theft that may occur.

The best way to work out what sort of insurance you needs is totally up how much your belongings cost. It’s really tempting to opt for the cheapest amount of cover, but if you have a flat screen tv, laptop, wii console and camera, then you are looking at close to this already. What about all your clothes, Cds and DVDs and other valuable possessions? If you were to make a claim, you would only be covered up to that cost, so therefore would be considerably out of pocket.

Make sure that you read through your policy wording, as it is important to know what your insurance company cover, and what they don’t cover.

A good idea is to make sure that you are covered for both buildings and contents insurance with the same provide. This makes it easier if you are making a claim, as some companies will confuse as to what is fixtures (covered in your buildings insurance) and what is a fitting (covered by your Contents Insurance). If both companies are the same, then there will be fewer arguments.

If you have any confusion on the wording, speak to someone within the company to explain it further. Not only will having Home Insurance keep you safe in the event of disaster it will help your peace of mind.

CFD is an agreement in a future contract whereby differences in settlement are made only through cash payments. It is an easiest method of settlement because losses and gains are paid by cash. Contracts for Differences (CFDs) are normally traded as over-the counter (OTC).

CFD Trading gives you considerable benefits over conventional share dealing. A margin traded instrument, a Share CFD permits investors to get all of the advantages of having a stock without physically having the stock. To be clear, CFDs offers investors to speculate with all the advantages and risks owning a security without actually owning it in the equity market, treasuries, commodities, etc. Major advantages also include Gearing, Immediate dealing, Interest and Dividend Adjustments, etc.

CFD is considered as a derivative product where the investor gets earnings from changes in the prices of stocks and shares. For example, if we buy a CFD on a stock that is $10 and the price increases to $11, then our profit is the change in price. That is, if we bought 1000 CFDs, then our profit is $1000. Share or Index trading (including both buying and selling) through a CFD is almost identical to physical equity trade financed by a loan.

At present, CFDs are available in over the-counter markets and/or listed markets in Switzerland, Italy, Germany, Australia, Singapore, Germany and the United Kingdom. Some other securities markets have plans to issue CFD in near future like Hong Kong. Brand names of CFDs are varied according to who issues them. They are sometimes called CBBCs (Callable Bull/Bear Contracts), and Turbo Certificates or Waves.

This article is written for Orient Financial Brokers (OFB), licensed and regulated by Central Bank of the UAE since 1997, to conduct brokerage in Foreign Exchange, Commodities, etc.

Dubai has a lot to offer the visitor and this is why it has quickly become one of the most popular tourist destinations in the world. As well as virtually guaranteed sun all year round that can be enjoyed from the stunning beaches there is also a wide selection of luxury hotels Dubai has to offer.

Four And Five Star Hotels
Five star hotels provide the greatest level of luxury as well as the kind of amenities that are not offered by other hotels but they also have the highest price tag. Four star hotels Dubai also offer luxurious accommodation and excellent services but at lower costs than their five star counterparts.

What To Consider When Choosing A Hotel
When selecting from the numerous luxury hotels Dubai has to offer you should consider several factors including amenities, services, and the quality of the rooms. You should also think about the location of the hotel. Do you want a beachside hotel or something near the heart of the shopping district? Are you in town purely for pleasure or for business too.

Business Hotels, Dubai
When it comes to business hotels Dubai is hardly lacking in this area either. Business hotels offer leisure facilities for the visitor like any other hotel but they also provide conference facilities, meeting rooms, Internet access, and even secretarial services.

Hotel Amenities

Amenities within the hotel are important too. Rooms should be comfortable at the very least and if you book four star hotels then you should expect a high level of comfort as well as convenient and useful fittings. Five star hotels Dubai should go above and beyond comfortable and convenient; they should offer extensive room amenities and extremely luxurious dcor.

Choosing A Hotel

There are many reasons to choose a particular hotel and picking a single hotel in Dubai is very difficult for this reason. Check the location of the hotel and consider the room features as well as the amenities that the hotel has to offer. If youre in Dubai on business and need business services then you should look specifically for business hotels with secretarial services, function rooms, and meeting facilities as well as Internet access in every guest room.

Finding the perfect job in Dubai can offer its own set of unique challenges. The UAE has not been immune to the global economic crisis and competition for available jobs is stiff. In addition, labor laws in the UAE can be confusing and seem to be in a constant flux. By educating themselves on the basics of UAE labor law, employees can avoid many common pitfalls that may arise during their time working in Dubai.

Rights that job seekers take for granted in their home country may not necessarily apply in Dubai. For example, there are no anti-discrimination laws in effect and employers can request anything from a certain nationality or age group to a certain appearance. There is also no minimum wage. An employee’s nationality is often a determining factor in the amount of pay offered, with Europeans and Arabs on the higher end of the scale and Asians on the lower end.

Because changing jobs in Dubai is not a straightforward process, it is a common (although illegal) practice for some employers to hold employee passports as security against absconding.

An expatriate’s right to live and work in the UAE is tied to their sponsor, in this case the employer. Once a job seeker is hired, an employment contract will be signed. The contract is either fixed term or unlimited term. A fixed term contract means that there is a specified start date and end date. The contract cannot exceed three years, but can be renewed. Unlimited term contracts list a start date but are open-ended. They may be terminated by mutual consent or by either party giving 30 days notice. A new employee may undergo a probationary period of not more than six months. During this time the employee can be dismissed without reason or notice and he or she will not be entitled to any end of service benefits.

Contracts may also include a competitive clause which states an employee cannot work for a competitor for up to two years.

Once a contract is signed the employee is legally bound to fulfill it. While laws regarding sponsorship have eased, allowing employees some movement between jobs if certain conditions are fulfilled, it still can be a challenging process. In most cases, in order to transfer to a new job the employee must complete one full year of service at their current position and obtain an NOC (No Objection Certificate) from their current employer. The NOC states that the employer releases the employee from any contractual obligations. If an employee’s work permit is cancelled without the NOC, a six month ban will be issued against the employee.

This means that while they can reenter the UAE on a visit visa during the ban, they will not be issued a new work permit for six months. There are certain categories of workers who are exempt from these rules, including employees of government departments and Free Zone areas (such as Dubai Media City, Knowledge Village, and Internet City). Free Zone workers are not under an individual company’s sponsorship, but under the sponsorship of the entire Free Zone area itself. As such, they can transfer to a new job within the same Free Zone without an NOC. Employees sponsored by their spouses also have greater freedom of movement between jobs.

While Dubai offers an exciting, multi-cultural work environment coupled with tax free income, employees do need to be aware of how job regulations can affect them. The government of Dubai is currently reviewing labor laws, particularly the six month ban rule, in light of the current global economy. Changes giving workers more rights and greater flexibility to move from one job to another may be on the horizon.

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