Looking to travel this festive season? Here are 10 things about your passport you should know.
Expiry date. Most passports are valid for 10 years, but some countries won't accept passports with less than six months' validity. Renew your passport at least every nine years, ideally after the summer rush. For peace of mind and efficiency, pay for a same-day renewal service while visiting your home country. Expatriates living in the UAE may find that their embassy sends the passports abroad for processing.
Visas. Check the visa requirements for the country you're visiting no less than one month before travel. Sometimes obtaining visas requires lengthy paperwork and, again, sometimes original passports have to be sent abroad for processing.
Spare pages. Most countries require a minimum of two empty passport pages before they will grant you entry. Don't risk your trip because you haven't made time to renew your passport. If you travel a lot, pay more to have an extra-large passport issued.
Biometric passports. Also known as e-passports, many countries now require these. While many citizens will already have them (for example, they were introduced in the UK in 2006 and the UAE began issuing them in 2011), UAE nationals and others who do not yet have e-passports should check, or renew their passport early, as if they travel on an "old-style" passport they may find themselves barred from certain countries, or from benefits such as the United States Visa Waiver Programme. In any case, the UAE has pledged to replace all old-style passports with e-passports for UAE nationals by the end of 2016.
Safety and security. Know where your passport is at all times and keep it locked in a hotel safe when it's not needed. If there's no safe, lock it in your suitcase or use secure storage provided at your hotel's reception. Keep a scanned copy of your passport and residence visa page securely stored in your email, and store photocopies separately from your passport or travel wallet. Take out a travel insurance policy that will cover the costs of replacing a lost or stolen passport. When carrying your passport and other valuables in a risky area, carry your passport on your body or in a separate bag to the rest of your valuables, so that if one bag is lost or stolen you don't lose everything. Try not to carry your passport in your hand or separately from your other bags. While it's not in use, keep it out of sight in your handbag or a zipped rucksack (ideally, in an inner compartment) and you'll be less likely to misplace it or have it stolen.
Insurance. Take out a travel insurance policy that will cover the costs of replacing a lost or stolen passport. When planning a trip, always consider the worst-case scenario and if there is no embassy in your destination, make sure you take extra care of your passport.
Photo. If there have been significant changes to your appearance since your passport was issued, and you no longer look like the person in your photograph, renew it to avoid problems at immigration.
Parents travelling alone with their children. If you are a parent travelling solo with children and your children's surnames are different to yours, don't be surprised if you are questioned at airports, and be prepared to show supporting documents such as birth certificates, proving the family relationship.
Passport stamps. Visiting some countries can make it difficult or impossible to visit others. For example, an Israeli stamp can preclude you from entering Lebanon or Saudi Arabia.
Damage. Keep your passport clean and away from water, and consider using a passport cover. Water damage, tearing, kids' markers and unofficial stamps can all invalidate it.
The specs
Engine: 2-litre or 3-litre 4Motion all-wheel-drive Power: 250Nm (2-litre); 340 (3-litre) Torque: 450Nm Transmission: 8-speed automatic Starting price: From Dh212,000 On sale: Now
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LEADERBOARD
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ESSENTIALS
The flights
Fly Etihad or Emirates from the UAE to Moscow from 2,763 return per person return including taxes.
Where to stay
Trips on the Golden Eagle Trans-Siberian cost from US$16,995 (Dh62,414) per person, based on two sharing.
How The Debt Panel's advice helped readers in 2019
December 11: 'My husband died, so what happens to the Dh240,000 he owes in the UAE?'
JL, a housewife from India, wrote to us about her husband, who died earlier this month. He left behind an outstanding loan of Dh240,000 and she was hoping to pay it off with an insurance policy he had taken out. She also wanted to recover some of her husband’s end-of-service liabilities to help support her and her son.
“I have no words to thank you for helping me out,” she wrote to The Debt Panel after receiving the panellists' comments. “The advice has given me an idea of the present status of the loan and how to take it up further. I will draft a letter and send it to the email ID on the bank’s website along with the death certificate. I hope and pray to find a way out of this.”
November 26: ‘I owe Dh100,000 because my employer has not paid me for a year’
SL, a financial services employee from India, left the UAE in June after quitting his job because his employer had not paid him since November 2018. He owes Dh103,800 on four debts and was told by the panellists he may be able to use the insolvency law to solve his issue.
SL thanked the panellists for their efforts. "Indeed, I have some clarity on the consequence of the case and the next steps to take regarding my situation," he says. "Hopefully, I will be able to provide a positive testimony soon."
October 15: 'I lost my job and left the UAE owing Dh71,000. Can I return?'
MS, an energy sector employee from South Africa, left the UAE in August after losing his Dh12,000 job. He was struggling to meet the repayments while securing a new position in the UAE and feared he would be detained if he returned. He has now secured a new job and will return to the Emirates this month.
“The insolvency law is indeed a relief to hear,” he says. "I will not apply for insolvency at this stage. I have been able to pay something towards my loan and credit card. As it stands, I only have a one-month deficit, which I will be able to recover by the end of December."
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How to get exposure to gold
Although you can buy gold easily on the Dubai markets, the problem with buying physical bars, coins or jewellery is that you then have storage, security and insurance issues.
A far easier option is to invest in a low-cost exchange traded fund (ETF) that invests in the precious metal instead, for example, ETFS Physical Gold (PHAU) and iShares Physical Gold (SGLN) both track physical gold. The VanEck Vectors Gold Miners ETF invests directly in mining companies.
Alternatively, BlackRock Gold & General seeks to achieve long-term capital growth primarily through an actively managed portfolio of gold mining, commodity and precious-metal related shares. Its largest portfolio holdings include gold miners Newcrest Mining, Barrick Gold Corp, Agnico Eagle Mines and the NewMont Goldcorp.
Brave investors could take on the added risk of buying individual gold mining stocks, many of which have performed wonderfully well lately.
London-listed Centamin is up more than 70 per cent in just three months, although in a sign of its volatility, it is down 5 per cent on two years ago. Trans-Siberian Gold, listed on London's alternative investment market (AIM) for small stocks, has seen its share price almost quadruple from 34p to 124p over the same period, but do not assume this kind of runaway growth can continue for long
However, buying individual equities like these is highly risky, as their share prices can crash just as quickly, which isn't what what you want from a supposedly safe haven.
Company%20Profile
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BIG SPENDERS
Premier League clubs spent £230 million (Dh1.15 billion) on January transfers, the second-highest total for the mid-season window, the Sports Business Group at Deloitte said in a report.
UJDA CHAMAN
Produced: Panorama Studios International
Directed: Abhishek Pathak
Cast: Sunny Singh, Maanvi Gagroo, Grusha Kapoor, Saurabh Shukla
Rating: 3.5 /5 stars
What is graphene?
Graphene is extracted from graphite and is made up of pure carbon.
It is 200 times more resistant than steel and five times lighter than aluminum.
It conducts electricity better than any other material at room temperature.
It is thought that graphene could boost the useful life of batteries by 10 per cent.
Graphene can also detect cancer cells in the early stages of the disease.
The material was first discovered when Andre Geim and Konstantin Novoselov were 'playing' with graphite at the University of Manchester in 2004.
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Profile Periscope Media
Founder: Smeetha Ghosh, one co-founder (anonymous)
Launch year: 2020
Employees: four – plans to add another 10 by July 2021
Financing stage: $250,000 bootstrap funding, approaching VC firms this year
Investors: Co-founders
UAE players with central contracts
Rohan Mustafa, Ashfaq Ahmed, Chirag Suri, Rameez Shahzad, Shaiman Anwar, Adnan Mufti, Mohammed Usman, Ghulam Shabbir, Ahmed Raza, Qadeer Ahmed, Amir Hayat, Mohammed Naveed and Imran Haider.
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Where to buy
Limited-edition art prints of The Sofa Series: Sultani can be acquired from Reem El Mutwalli at www.reemelmutwalli.com
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.
Honeymoonish
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