I work as an area manager for an electronics company, earning Dh7,000. Last year, when I had a different employer, I needed a small loan for my sister’s marriage and other family expenses, such as a medical emergency. I borrowed Dh23,000, which came with a credit card with a limit of Dh5,000. The credit provider has very high interest rates, and I now owe Dh14,000 on the credit card. The personal loan has a 40 per cent interest rate, so despite paying Dh1,000 a month, I still owe Dh19,000. I have other debts too, so in total I owe:
Personal loans
Bank 1: Dh19,000
Bank 2: Dh18,000
Car loan:
Dh11,000
Credit cards :
Bank 1: Dh14,000
Bank 2: Dh10,000
Bank 3: Dh5,000
Bank 4: Dh10,000
Total outstanding: Dh87,000
Until recently I had no problems, but the loan and card from Bank 1 is making my life miserable because of the high interest and fees and I want to close them. I tried to consolidate my debts with other banks but my company is not approved by most of them. The nature of my job is field work, so my salary has to cover transport costs across Dubai as well as my accommodation, living expenses and debt repayments.
My wife is pregnant with the baby due any moment, and I have to support my parents as well. My wife was living here but the expenses were not manageable, so she returned home to India. How can I get out of this situation? ZU, Dubai
Debt Panellist 1: Philip King, head of retail banking at Abu Dhabi Islamic Bank
While cards in the UAE have a high average annual percentage rate of around 40 per cent, and you are being charged a similarly high rate on your loan with Bank 1, I can’t understand how your liabilities with the provider have increased from Dh28,000 to Dh33,000 in such a short time frame, unless you’ve missed card repayments and accumulated significant charges. It’s a reminder to all customers to read through all terms and conditions before taking out financing and to make as large repayments as possible on their cards each month.
The challenge you face is that nearly a third of your total outstanding liabilities is in the form card debt and you are receiving punitive rates from Bank 1. While you should not be looking to increase your debt any further, you should speak to Bank 1 to see whether it is possible to restructure your repayments. Failing this, you should approach Bank 2 requesting a consolidating loan for all of your debt and, once approved, make an early repayment for all liabilities held with Bank 1, as well as your other card.
When approaching Bank 2, explain your full financial picture and how you intend to pay off all your debt in a systematic manner. You are well within the Central Bank’s loan regulations - allowing banks to provide you with a loan up to 20 times your monthly salary - so they should be able to help you if you provide enough evidence to support your intentions.
Where possible, aim to lower your monthly expenses so you can save more and use that cash to help pay off all your dues.
________
Read more:
The Debt Panel: Dubai hotel manager bailed out his father with a Dh200,000 loan then lost his job
Bounced cheques in UAE: new rules 'a progressive step for the justice system'
It is possible to restructure debt directly with UAE banks, a Sharjah resident reveals how
A nine-step guide to help you renegotiate bank debts in the UAE
________
Debt panellist 2: Steve Cronin, founder of DeadSimpleSaving.com, a website for demystifying sensible investing
There are so many people in your situation, where a family issue tips them into debt. Despite you thinking there were no problems before, you were already on shaky ground with loans and growing balances on multiple credit cards. Use this current challenge as a wake-up call to transform your finances, though I appreciate it is not easy.
First, do whatever you can to improve your cashflow, increasing revenue and decreasing expenses. Ask your employer for 1) a raise if you take on more duties, 2) a salary advance of a month or more, and/or c) to have your transport costs covered. Consider moving company to one that is approved by the banks, as this will create more options for managing your debts. See if you can make other revenue on the side, by selling unwanted items you own, coaching or helping people, doing admin etc.
Minimise your expenses by reducing your living costs as far as possible without endangering your health. Track everything. All spare money should go to paying off your debt. It will be worth the short-term pain.
You have to focus on paying off your credit card debts as soon as possible. Communicate regularly with your banks and ask them for ideas. Are there any banks at all that will accept a debt consolidation loan? Check which of your four cards has the highest interest rate (likely from Bank 1) and pay that off first, paying the minimum balance on the others.
Ask Bank 1 if they will consolidate the card and loan you have with them. They may also give you a payment holiday on the loan so you can focus on paying off the card. Same for Bank 2. Do not accept a consolidation loan with a similarly high interest rate as your credit card. Avoid stretching loans further over time, as you will pay more interest.
Meanwhile do not use any of your credit cards. You cannot afford to add to your debt, even if this means saying no to some family requests. If you get deeper in debt, you won’t be able to help your family at all. Put your cards in a bowl of water and stick them in a freezer.
________
Read more:
The Debt Panel: Airline couple want to negotiate a lower settlement on their Dh254,000 debts
The Debt Panel: 'Can I defer my debts if I was made redundant?'
The Debt Panel: 'I am struggling to repay Dh500,000 in debt after my salary was slashed by a third'
The Debt Panel: 'The banks harass me and threaten to bounce cheques but is that still a criminal offence?'
_______
Debt Panellist 3: Rasheda Khatun Khan, a wealth and wellness planner and founder of Design Your Life
Debt affects the whole family and causes huge amounts of emotional and physical stress. Falling into debt always follows the same stages: credit cards lead to a personal loan, which leads into a consolidation loan followed by another and so on. Meanwhile payments are kept up to date, often paying off the minimum, until one day your total repayments are no longer manageable.
Debtors then play one bank off against others and start missing payments here and there. The months between missing payments grow shorter, and then the banks start calling to get their money back because they have not paid them for months. This then leads to cashing in your security cheque and a legal case.
People in debt, such as yourself, cannot wait until the final stages before they address the situation as by this point they have very limited options. To address the cycle of debt once and for all, you must first recognise the root cause.
In your case it is the omission of a miscellaneous fund and an emergency fund. You may assume these two funds are the same, but let me explain the difference: a miscellaneous fund covers those monthly expenses that you did not factor in yet they pop up every single month, each time with a different name. For example; car maintenance, family visiting, a birthday or home maintenance. An emergency fund is for the larger expenses that come up occasionally, for example; emergency travel, medical issues or even redundancy.
To build up these funds, simply allocate a set amount per month and transfer it out to a separate account that you call your miscellaneous account and emergency fund account. The funds in the miscellaneous account will go up and down each month as you use it, so just keep feeding into it. The emergency fund account, however, should hold between three to six months of your salary or household income - so build this up slowly. This offers enough security in case of emergency. When you use your emergency fund, spend the following months topping it back up again. Anticipating these costs will save you from getting into debt. You may think you cannot afford to build these funds, but actually you cannot afford not to because more expenses will come up.
And while you built up these funds, you can simultaneously tackle the debts. Unfortunately you have cornered yourself and now have limited options with the banks. Based on your current salary, you will not be able to consolidate so ask your existing lenders to restructure your card or loan. Be sure to provide your own affordability by sharing a thorough breakdown of all of your income and expenses.
Next, try the snowball effect. Concentrate on paying off the smallest credit first; once paid off, put that money towards overpaying on the next smallest credit card and so on. This can take time so persevere.
The Debt Panel is a weekly online column to help readers tackle their debts more effectively. If you have a question for the panel, write to pf@thenational.ae
Company%20Profile
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COMPANY%20PROFILE
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COMPANY PROFILE
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Total funding: Self funded
COMPANY%20PROFILE%20
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COMPANY%20PROFILE
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Cricket World Cup League 2
UAE squad
Rahul Chopra (captain), Aayan Afzal Khan, Ali Naseer, Aryansh Sharma, Basil Hameed, Dhruv Parashar, Junaid Siddique, Muhammad Farooq, Muhammad Jawadullah, Muhammad Waseem, Omid Rahman, Rahul Bhatia, Tanish Suri, Vishnu Sukumaran, Vriitya Aravind
Fixtures
Friday, November 1 – Oman v UAE
Sunday, November 3 – UAE v Netherlands
Thursday, November 7 – UAE v Oman
Saturday, November 9 – Netherlands v UAE
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)
The specs
Engine: 1.5-litre turbo
Power: 181hp
Torque: 230Nm
Transmission: 6-speed automatic
Starting price: Dh79,000
On sale: Now
Company%20Profile
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Wicked
Director: Jon M Chu
Stars: Cynthia Erivo, Ariana Grande, Jonathan Bailey
'Nope'
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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
Kanguva
Director: Siva
Stars: Suriya, Bobby Deol, Disha Patani, Yogi Babu, Redin Kingsley
More from Neighbourhood Watch
Mohammed bin Zayed Majlis
Company profile
Date started: January, 2014
Founders: Mike Dawson, Varuna Singh, and Benita Rowe
Based: Dubai
Sector: Education technology
Size: Five employees
Investment: $100,000 from the ExpoLive Innovation Grant programme in 2018 and an initial $30,000 pre-seed investment from the Turn8 Accelerator in 2014. Most of the projects are government funded.
Partners/incubators: Turn8 Accelerator; In5 Innovation Centre; Expo Live Innovation Impact Grant Programme; Dubai Future Accelerators; FHI 360; VSO and Consult and Coach for a Cause (C3)
Electoral College Victory
Trump has so far secured 295 Electoral College votes, according to the Associated Press, exceeding the 270 needed to win. Only Nevada and Arizona remain to be called, and both swing states are leaning Republican. Trump swept all five remaining swing states, North Carolina, Georgia, Pennsylvania, Michigan and Wisconsin, sealing his path to victory and giving him a strong mandate.
Popular Vote Tally
The count is ongoing, but Trump currently leads with nearly 51 per cent of the popular vote to Harris’s 47.6 per cent. Trump has over 72.2 million votes, while Harris trails with approximately 67.4 million.
UAE currency: the story behind the money in your pockets
Company%20profile
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COMPANY PROFILE
Name: Almnssa
Started: August 2020
Founder: Areej Selmi
Based: Gaza
Sectors: Internet, e-commerce
Investments: Grants/private funding
From Zero
Artist: Linkin Park
Label: Warner Records
Number of tracks: 11
Rating: 4/5
Women's Prize for Fiction shortlist
The Silence of the Girls by Pat Barker
My Sister, the Serial Killer by Oyinkan Braithwaite
Milkman by Anna Burns
Ordinary People by Diana Evans
An American Marriage by Tayari Jones
Circe by Madeline Miller
RESULTS: 2018 WORLD CUP QUALIFYING - EUROPE
Albania 0 Italy 1
Finland 2 Turkey 2
Macedonia 4 Liechtenstein
Iceland 2 Kosovo 0
Israel 0 Spain 1
Moldova 0 Austria 1
Serbia 1 Georgia 0
Ukraine 0 Croatia 2
Wales 0 Ireland 1
Baftas 2020 winners
BEST FILM
- 1917 - Pippa Harris, Callum McDougall, Sam Mendes, Jayne-Ann Tenggren
- THE IRISHMAN - Robert De Niro, Jane Rosenthal, Martin Scorsese, Emma Tillinger Koskoff
- JOKER - Bradley Cooper, Todd Phillips, Emma Tillinger Koskoff
- ONCE UPON A TIME… IN HOLLYWOOD - David Heyman, Shannon McIntosh, Quentin Tarantino
- PARASITE - Bong Joon-ho, Kwak Sin-ae
DIRECTOR
- 1917 - Sam Mendes
- THE IRISHMAN - Martin Scorsese
- JOKER - Todd Phillips
- ONCE UPON A TIME… IN HOLLYWOOD - Quentin Tarantino
- PARASITE - Bong Joon-ho
OUTSTANDING BRITISH FILM
- 1917 - Sam Mendes, Pippa Harris, Callum McDougall, Jayne-Ann Tenggren, Krysty Wilson-Cairns
- BAIT - Mark Jenkin, Kate Byers, Linn Waite
- FOR SAMA - Waad al-Kateab, Edward Watts
- ROCKETMAN - Dexter Fletcher, Adam Bohling, David Furnish, David Reid, Matthew Vaughn, Lee Hall
- SORRY WE MISSED YOU - Ken Loach, Rebecca O’Brien, Paul Laverty
- THE TWO POPES - Fernando Meirelles, Jonathan Eirich, Dan Lin, Tracey Seaward, Anthony McCarten
FILM NOT IN THE ENGLISH LANGUAGE
- THE FAREWELL - Lulu Wang, Daniele Melia
- FOR SAMA - Waad al-Kateab, Edward Watts
- PAIN AND GLORY - Pedro Almodóvar, Agustín Almodóvar
- PARASITE - Bong Joon-ho
- PORTRAIT OF A LADY ON FIRE - Céline Sciamma, Bénédicte Couvreur
LEADING ACTRESS
- JESSIE BUCKLEY - Wild Rose
- SCARLETT JOHANSSON - Marriage Story
- SAOIRSE RONAN - Little Women
- CHARLIZE THERON - Bombshell
- RENÉE ZELLWEGER - Judy
LEADING ACTOR
- LEONARDO DICAPRIO - Once Upon a Time… In Hollywood
- ADAM DRIVER - Marriage Story
- TARON EGERTON - Rocketman
- JOAQUIN PHOENIX - Joker
- JONATHAN PRYCE - The Two Popes
SUPPORTING ACTOR
- TOM HANKS - A Beautiful Day in the Neighborhood
- ANTHONY HOPKINS - The Two Popes
- AL PACINO - The Irishman
- JOE PESCI - The Irishman
- BRAD PITT - Once Upon a Time… in Hollywood
SUPPORTING ACTRESS
- LAURA DERN - Marriage Story
- SCARLETT JOHANSSON - Jojo Rabbit
- FLORENCE PUGH - Little Women
- MARGOT ROBBIE - Bombshell
- MARGOT ROBBIE - Once Upon a Time… in Hollywood
ADAPTED SCREENPLAY
- THE IRISHMAN - Steven Zaillian
- JOJO RABBIT - Taika Waititi
- JOKER - Todd Phillips, Scott Silver
- LITTLE WOMEN - Greta Gerwig
- THE TWO POPES - Anthony McCarten
ORIGINAL SCREENPLAY
- BOOKSMART - Susanna Fogel, Emily Halpern, Sarah Haskins, Katie Silberman
- KNIVES OUT - Rian Johnson
- MARRIAGE STORY - Noah Baumbach
- ONCE UPON A TIME… IN HOLLYWOOD - Quentin Tarantino
- PARASITE - Han Jin Won, Bong Joon ho
DOCUMENTARY
- AMERICAN FACTORY - Steven Bognar, Julia Reichert
- APOLLO 11 - Todd Douglas Miller
- DIEGO MARADONA - Asif Kapadia
- FOR SAMA - Waad al-Kateab, Edward Watts
- THE GREAT HACK - Karim Amer, Jehane Noujaime
OUTSTANDING DEBUT BY A BRITISH WRITER, DIRECTOR OR PRODUCER
- BAIT - Mark Jenkin (Writer/Director), Kate Byers, Linn Waite (Producers)
- FOR SAMA - Waad al-Kateab (Director/Producer), Edward Watts (Director)
- MAIDEN - Alex Holmes (Director)
- ONLY YOU - Harry Wootliff (Writer/Director)
- RETABLO - Álvaro Delgado-Aparicio (Writer/Director)
ANIMATED FILM
- FROZEN 2 - Chris Buck, Jennifer Lee, Peter Del Vecho
- KLAUS - Sergio Pablos, Jinko Gotoh
- A SHAUN THE SHEEP MOVIE: FARMAGEDDON - Will Becher, Richard Phelan, Paul Kewley
- TOY STORY 4 - Josh Cooley, Mark Nielsen
CASTING
- JOKER - Shayna Markowitz
- MARRIAGE STORY - Douglas Aibel, Francine Maisler
- ONCE UPON A TIME… IN HOLLYWOOD - Victoria Thomas
- THE PERSONAL HISTORY OF DAVID COPPERFIELD - Sarah Crowe
- THE TWO POPES - Nina Gold
EE RISING STAR AWARD (voted for by the public)
- AWKWAFINA
- JACK LOWDEN
- KAITLYN DEVER
- KELVIN HARRISON JR.
- MICHEAL WARD
CINEMATOGRAPHY
- 1917 - Roger Deakins
- THE IRISHMAN - Rodrigo Prieto
- JOKER - Lawrence Sher
- LE MANS ’66 - Phedon Papamichael
- THE LIGHTHOUSE - Jarin Blaschke
EDITING
- THE IRISHMAN - Thelma Schoonmaker
- JOJO RABBIT - Tom Eagles
- JOKER - Jeff Groth
- LE MANS ’66 - Andrew Buckland, Michael McCusker
- ONCE UPON A TIME… IN HOLLYWOOD - Fred Raskin
COSTUME DESIGN
- THE IRISHMAN - Christopher Peterson, Sandy Powell
- JOJO RABBIT - Mayes C. Rubeo
- JUDY - Jany Temime
- LITTLE WOMEN - Jacqueline Durran
- ONCE UPON A TIME… IN HOLLYWOOD - Arianne Phillips
PRODUCTION DESIGN
- 1917 - Dennis Gassner, Lee Sandales
- THE IRISHMAN - Bob Shaw, Regina Graves
- JOJO RABBIT - Ra Vincent, Nora Sopková
- JOKER - Mark Friedberg, Kris Moran
- ONCE UPON A TIME… IN HOLLYWOOD - Barbara Ling, Nancy Haigh
SOUND
- 1917 - Scott Millan, Oliver Tarney, Rachael Tate, Mark Taylor, Stuart Wilson
- JOKER - Tod Maitland, Alan Robert Murray, Tom Ozanich, Dean Zupancic
- LE MANS ’66 - David Giammarco, Paul Massey, Steven A. Morrow, Donald Sylvester
- ROCKETMAN - Matthew Collinge, John Hayes, Mike Prestwood Smith, Danny Sheehan
- STAR WARS: THE RISE OF SKYWALKER - David Acord, Andy Nelson, Christopher Scarabosio, Stuart Wilson, Matthew Wood
ORIGINAL SCORE
- 1917 - Thomas Newman
- JOJO RABBIT - Michael Giacchino
- JOKER - Hildur Guđnadóttir
- LITTLE WOMEN - Alexandre Desplat
- STAR WARS: THE RISE OF SKYWALKER - John Williams
SPECIAL VISUAL EFFECTS
- 1917 - Greg Butler, Guillaume Rocheron, Dominic Tuohy
- AVENGERS: ENDGAME - Dan Deleeuw, Dan Sudick
- THE IRISHMAN - Leandro Estebecorena, Stephane Grabli, Pablo Helman
- THE LION KING - Andrew R. Jones, Robert Legato, Elliot Newman, Adam Valdez
- STAR WARS: THE RISE OF SKYWALKER - Roger Guyett, Paul Kavanagh, Neal Scanlan, Dominic Tuohy
MAKE UP & HAIR
- 1917 - Naomi Donne
- BOMBSHELL - Vivian Baker, Kazu Hiro, Anne Morgan
- JOKER - Kay Georgiou, Nicki Ledermann
- JUDY - Jeremy Woodhead
- ROCKETMAN - Lizzie Yianni Georgiou
BRITISH SHORT FILM
- AZAAR - Myriam Raja, Nathanael Baring
- GOLDFISH - Hector Dockrill, Harri Kamalanathan, Benedict Turnbull, Laura Dockrill
- KAMALI - Sasha Rainbow, Rosalind Croad
- LEARNING TO SKATEBOARD IN A WARZONE (IF YOU’RE A GIRL) - Carol Dysinger, Elena Andreicheva
- THE TRAP - Lena Headey, Anthony Fitzgerald
BRITISH SHORT ANIMATION
- GRANDAD WAS A ROMANTIC - Maryam Mohajer
- IN HER BOOTS - Kathrin Steinbacher
- THE MAGIC BOAT - Naaman Azh
Company%20profile
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The biog
Name: Salvador Toriano Jr
Age: 59
From: Laguna, The Philippines
Favourite dish: Seabass or Fish and Chips
Hobbies: When he’s not in the restaurant, he still likes to cook, along with walking and meeting up with friends.
'Doctor Strange in the Multiverse Of Madness'
Director: Sam Raimi
Cast: Benedict Cumberbatch, Elizabeth Olsen, Chiwetel Ejiofor, Benedict Wong, Xochitl Gomez, Michael Stuhlbarg and Rachel McAdams
Rating: 3/5
A%20QUIET%20PLACE
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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.
