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There’s a version of this story that plays out constantly. A woman gets a job offer. It’s $30,000 more than she’s making now. She says yes (because of course she does, that’s a lot of money) and spends the next three years too depleted to think about her finances, too busy to rebalance her portfolio, and too burned out to negotiate when the role evolves in ways that no longer serve her. The salary went […]

Dear A, In 2002, I was a resident in Emergency Medicine finishing up my training at XXXX. I’d arranged through one of our part-time faculty to rotate through the Nairobi Hospital for about 6 weeks. When my sister mentioned to a friend that I was heading to Nairobi, her friend noted that her older brother’s good friend was working there as a teacher. At that time in life, I was not particularly open to serendipity, […]

Tweet There is no sin but ignorance Christopher Marlowe, The Jew of Malta Bonds have played a limited role in the financial independence portfolio so far. Hollowing the examination of the equity portfolio last month, however, it seemed fitting to complete the picture with a detailed look at the development of, and trends in, the bond and fixed interest holdings. The last detailed examination of the fixed interest and bond components of the portfolio was […]

Real wisdom is being able to follow your own advice. If that’s difficult for you, let us help you plan your retirement with this week’s terrific links. Should you set up a Trump Account for your grandchild? The College Financial Lady Five Things to consider before buying a second home. Investopedia Stop coddling your children. The Argument Money is a tool. Life is the point. MeaningfulMoney Being average can …The post Yesterday I Got So Old…..When Is My Retirement? appeared first on A Teachable Moment.

Veterinarians graduate with passion and purpose, often accompanied by student debt that can feel as stubborn as a Great Dane refusing a bath. According to the American Veterinary Medical Association, the average veterinary school debt tops six figures, and many new professionals spend years just trying to break even. That financial reality can make dreams of independence feel distant. For many in the field, pursuing financial independence requires guidance tailored for the unique rhythms of […]

Most travelers check their passport expiration date before a trip, but another rule can cause problems at the airport: how many blank passport pages you have left. Many countries require at least one completely blank visa page for entry stamps or visas. Some require two pages, and a few destinations require three blank pages. If your passport doesn’t have enough space, airlines may refuse boarding or immigration officers may deny entry. This guide lists every country and the minimum number of blank passport pages typically required, along with links to official government travel information pages where available. Table of ContentsBlank Passport Page Requirements by CountryCountries With the Strictest Passport Page RequirementsWhat Counts as a Blank Passport Page?Remember this Simple Rule of ThumbWhat if you need more pages? Blank Passport Page Requirements by Country If the country is not listed, look for it on this page. CountryBlank Passport Pages RequiredOfficial SourceAfghanistan1Travel State DeptAlbania1Travel State DeptAlgeria1Travel State DeptAndorra1Travel State DeptAngola2Travel State DeptAntigua and Barbuda1Travel State DeptArgentina1Travel State DeptArmenia1Travel State DeptAustralia1Travel State DeptAustria1-2Travel State DeptAzerbaijan2Travel State DeptBahamas1Travel State DeptBahrain1Travel State DeptBangladesh1Travel State DeptBarbados1Travel State DeptBelgium2Travel State DeptBelize1Travel State DeptBenin1Travel State DeptBhutan1Travel State DeptBolivia2Travel State DeptBotswana3Travel State DeptBrazil1Travel State DeptBrunei1-6Travel State DeptBulgaria1Travel State DeptCambodia1Travel State DeptCanada1Travel State DeptChile1Travel State DeptChina2Travel State DeptColombia1Travel State DeptCosta Rica1Travel State DeptCroatia1Travel State DeptCuba1Travel State DeptCyprus2Travel State DeptCzech Republic2Travel State DeptDenmark1Travel State DeptDominican Republic1Travel State DeptEgypt1Travel State DeptFinland2Travel State DeptFrance1-2Travel State DeptGermany2Travel State DeptGreece1Travel State DeptHong Kong1Travel State DeptIndia2Travel State DeptIndonesia2Travel State DeptItaly2Travel State DeptJapan1Travel State DeptKenya2Travel State DeptMorocco1Travel State DeptNamibia3Travel State DeptNetherlands2Travel State DeptPeru1Travel State DeptPortugal2Travel State DeptSouth Africa2Travel State DeptSpain1-2Travel State DeptThailand1Travel State DeptTurkey1Travel State DeptUnited Kingdom1Travel State DeptVietnam1Travel State DeptZambia3Travel State DeptZimbabwe2-3Travel State Dept Countries With the Strictest Passport Page Requirements Namibia – 3 blank pages Botswana – 3 blank pages Zambia – 3 blank pages South Africa – 2 blank pages China – 2 blank pages India – 2 blank pages Indonesia – 2 blank pages What Counts as a Blank Passport Page? The page must be completely blank. Pages labeled “visa pages” count. Endorsement pages in the back of passports do not count. Some countries require consecutive blank pages. Remember this Simple Rule of Thumb If you travel internationally often, it’s safest to have: At least 2 blank passport pages for most trips At least 3–4 blank pages if traveling through multiple countries What if you need more pages? Unfortunately you can no longer get additional pages for your passport, that was phased out in 2016. You have two options: Apply for a second passport book Renew your existing passport The post How Many Blank Passport Pages You Need for Every Country appeared first on Best Wallet Hacks.

My new sci fi thriller, The Stolguard Incident, is now available! It can be purchased in print or ebook versions on Amazon here, and an audiobook version is on the way. You can also find the print version on Barnes & Noble here, or you may be able to ask your local bookstore to order […] The post New Book: The Stolguard Incident appeared first on Lyn Alden.

Way back in May of 2019, I signed up for Arcadia Power. A couple years later, in July of 2021, I wrote a review of the program. Essentially, in return for an upfront investment of $100 in a community solar program, I was going to get a small discount on my electric bill for ten years. It’s now 2026 and it has been seven years since 2019. Earlier this month, on March 4th, I received […]

Every spring, we start opening windows, clearing clutter, and refreshing our homes after the long winter months. But there’s something else that needs a little spring cleaning too… Your budget. The truth is that even the best budgets start to drift over time. Spending habits change, small subscriptions sneak in, and what worked three months ago might not work today. That’s why March is the perfect time for a simple financial reset. You don’t need […]

While there’s not an exact roadmap to follow for combining finances, there are several principles that can certainly make the process easier. Here’s what to consider. The post 7 Tips for Combining Finances with Your Partner appeared first on The Budget Mom.

In my last post, I bored my Dear Readers silly waxed poetic about how I make suboptimal financial decisions to . . .make more optimal financial decisions.  Huh?! If you didn’t read that post, the gist was that while I know OF several investing and withdrawal strategies that might allow us to reap greater rewards and withdraw at a higher-than-four-percent-of-total-liquid-investment rate, but I choose a less complex, but simpler approach. Less optimization. More Keep It […]

Connor Teskey is the new CEO of Brookfield Asset Management, one of the world’s largest investors, managing about a trillion dollars across infrastructure, power, real estate, private equity, and credit.   Public Release: March 17. Members have access now.Join us. Coming Soon: YouTube | Spotify | Apple Podcasts | Transcript In this exclusive in-depth interview, his first as CEO, we explore his approach to capital allocation, isolating variables, and building a business designed for long-term growth. […]

Banks work in ways that are unintuitive for a lot of people. And yet, understanding the banking system as a whole is really helpful for investing, because having a grasp of how the banking system is functioning helps you determine whether you should expect monetary inflation or disinflation, and whether the risks of widespread financial […] The post Fractional Reserve Banking 101 appeared first on Lyn Alden.