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Revealed: The cycle of homelessness, hospital admission and dischargeCourtney Frazer | (TNS) Bankrate.com Exchanging currency is vital to international travel, whether you’re visiting for leisure or business. Understanding the nuances of currency exchange can help you avoid costly mistakes and make the most of your travel budget. Before you exchange money, you should know how to choose the right place to exchange your money, time your transactions for the best rates and estimate the money exchange fee. Currency exchange involves converting one country’s money into another’s. Because currencies have different values from country to country, exchange rates fluctuate based on factors like political stability, economic performance and global market conditions. Without proper knowledge of currency exchange, travelers risk losing money on unfavorable exchange rates, excessive fees and even fraudulent practices. It’s important to know how currency exchange works and where to do money exchanges so you can get the best deal. Exchanging money abroad often comes with various fees, so it’s important to understand what you might encounter. Flat fees Some exchange providers charge a flat fee per transaction. These can make smaller exchanges expensive relative to the amount you’re converting. Always ask about any flat fees in advance, and consider exchanging larger sums to minimize the impact of this fee. Percentage fees Many currency exchange providers charge a percentage-based fee on the total amount exchanged. This fee structure can become costly if you’re exchanging large amounts of money, so compare percentage-based fees before making any decisions. ATM withdrawal fees If you’re withdrawing money from an ATM abroad, your home bank and the foreign bank may charge withdrawal fees. Some banks refund these fees, while others may partner with international banks to provide fee-free withdrawals. Before traveling, check with your bank to understand what ATM fees you might face and whether they offer any reimbursement options. Foreign transaction fees Foreign transaction fees are often charged when using credit or debit cards abroad. Depending on the card issuer and payment network, these fees can range from 1% to 3% of the transaction amount. Many travel-focused credit cards offer no foreign transaction fees, which can help you save money when making purchases abroad. Check your card’s terms and conditions before you travel to avoid surprises. If your card charges foreign transaction fees, consider limiting its use and opting for other methods, like cash or prepaid travel cards. Not all currency exchange options are equal, especially for travelers. Some places offer better rates and lower money exchange fees, while others provide more convenience. Here’s a breakdown of the most common currency exchange options. Banks and credit unions Banks and credit unions are generally the best money exchange options, offering competitive exchange rates and transparent fees. Many banks provide foreign currency services for their account holders, and some even offer currency at a better rate when you order it in advance. If you have a major bank account, the bank may offer international ATM withdrawals with little to no fees. Banks tend to have the most secure exchange process, so you can avoid the high fees and markups that are common at airport exchange booths. Currency exchange kiosks Currency exchange kiosks, often found at airports and tourist destinations, are convenient but have significant drawbacks. They frequently offer lower exchange rates and higher fees, taking advantage of travelers who need quick cash. If you need to use a currency exchange bureau, only exchange a small amount to cover immediate needs and seek out better rates at a local bank or through an ATM once you reach your destination. Always check the exchange rate and fees before completing any transaction at these kiosks to avoid unnecessary charges. ATMs abroad Using ATMs to withdraw local currency in your destination country is one of the most convenient ways to get cash while traveling. Many banks are part of global ATM networks, allowing you to withdraw money with minimal fees if you use ATMs associated with their partner banks. However, it’s important to check with your bank ahead of time to understand what fees may apply to international withdrawals. When using ATMs abroad, stick to machines from reputable banks and avoid independent ATMs found in tourist-heavy areas or small shops. These often have higher fees and less favorable exchange rates. It’s also a good idea to notify your bank of your travel plans to avoid having your card frozen for suspicious activity. Prepaid travel cards Prepaid travel cards offer an excellent solution for travelers who want to manage currency exchange with ease. These cards allow you to load multiple currencies before you travel and lock in exchange rates to avoid rate fluctuations while abroad. Prepaid travel cards can be used like regular debit or credit cards but with the added benefit of lower foreign transaction fees. They also help limit spending, as you can only use the funds preloaded onto the card. However, be aware of hidden fees such as inactivity, ATM withdrawal or reloading fees. When exchanging currency for travel, it’s easy to fall into traps that result in unnecessary expenses. Here are some common mistakes travelers make and how to avoid them. 1. Exchanging money at airports and hotels While airports and hotels may be convenient places to exchange money, they often have the worst exchange rates and highest fees. Airport kiosks, in particular, are notorious for inflating rates, sometimes marking them up by as much as 10% compared to what you’d find at a local bank or ATM. To avoid these high costs, exchange a small amount of money before your trip to cover immediate expenses like transportation. Once you arrive at your destination, use ATMs or banks for more favorable rates. 2. Using dynamic currency conversion Dynamic currency conversion (DCC) allows you to pay in your home currency when using a credit or debit card abroad. While this may seem convenient, it usually comes with a much worse exchange rate and additional hidden fees. Whenever possible, always opt to pay in the local currency of your destination to avoid unfavorable rates. DCC also gives merchants more control over the exchange rate, meaning they could use a rate that benefits them more than you. When paying with a card abroad, always make sure you’re being charged in the local currency to get the most accurate rate. 3. Timing your exchange poorly Exchange rates fluctuate daily based on global market conditions. If you know you’ll need to exchange a large sum of money, it pays to keep an eye on exchange rates before your trip. Use tools to track exchange rates and exchange your money when the rate is in your favor. For travelers planning ahead, some banks and online services allow you to lock in exchange rates before traveling, helping you avoid losses due to unfavorable fluctuations during your trip. When traveling abroad, currency exchange fees can quickly eat into your budget. You can use certain strategies to help you save, avoid common fees and make the most of your money while exploring new destinations. 1. Plan ahead for international trips Before heading overseas, research your destination’s currency and exchange rate options. Many banks allow you to order foreign currency ahead of time, saving you from the poor exchange rates and high fees at airports or in tourist-heavy areas. If your bank offers international ATM withdrawal with low fees, consider using this option to access local currency while traveling. Financial institutions sometimes offer special travel accounts or debit cards with reduced fees for foreign transactions. Check with your bank to see if they offer international-friendly options that can help you save money while abroad. 2. Credit cards with no foreign transaction fees Credit cards that offer no foreign transaction fees can be a great asset when traveling internationally. These cards often offer competitive exchange rates, and some even provide travel rewards or cash back on purchases made abroad. Using a credit card for most of your international purchases can help protect you from currency exchange fees and fraud. 3. Limit currency exchange at high-fee locations Related Articles Work-life balance isn’t working for women. Why? More than a million oven gloves are being recalled after consumers report 92 minor burns Killing of UnitedHealthcare CEO spotlights complex challenge companies face in protecting top brass US added a strong 227,000 jobs in November in bounce-back from October slowdown Federal appeals court upholds law requiring sale or ban of TikTok in the US When traveling, try to avoid exchanging currency at locations that charge high fees, like airports, hotels or currency exchange kiosks. These places often inflate exchange rates and charge large commissions, reducing the value of your money. Instead, stick to local banks or ATMs for better rates and lower fees. If you have to exchange currency at one of these places, try to exchange only what you need immediately and find a better location later. Currency exchange is an essential part of international travel, and getting it right can save you a lot of money. By planning ahead, avoiding high-fee locations and choosing the right method for exchanging money, you can stretch your travel budget further and minimize unnecessary costs. When traveling internationally, avoid airport kiosks and hotel exchange desks, opt for ATMs and reputable banks and consider using prepaid travel cards or credit cards with no foreign transaction fees to simplify your currency management. With a little preparation, you’ll be able to get the most out of your money while exploring the world. (Visit Bankrate online at bankrate.com.). ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.The 25-year-old Sweden international took his goal tally for the season to 12 in the 3-0 Boxing Day win over Aston Villa at St James’ Park, 10 of them in his last 10 Premier League games, after a challenging start to the new campaign. Isak managed 25 goals in a black and white shirt last season to further justify the club record £63million the club paid to bring him to Tyneside from Real Sociedad during the summer of 2022, but as delighted as he is with his big-money signing, head coach Howe is confident there is even more to come. Murph 🔗 Alex Isak Different game. Same link up. 💪 pic.twitter.com/OMhZf7dtKZ — Newcastle United (@NUFC) December 27, 2024 Asked where the former AIK Solna frontman currently ranks in world football, he said: “My biggest thing with Alex is I am evaluating his game on a daily and weekly basis and I just want to try to push him for more. “Everyone else can say where he is in the pecking order of world football. His game is in a good place at the moment. “My job is to not sit back and appreciate that, my job is to try and find areas he can improve, push him towards that and never stop pushing him. He has all the ingredients in there. Football never stops evolving and changing and he has to evolve with it. “There is a lot more to come from him. Our job is to help him deliver that. “Of course the main responsibility is for Alex to keep his focus, ignore the plaudits and keep helping the team, not be selfish. It is about Newcastle and he plays his part.” It is no coincidence that Newcastle have prospered as Isak has rediscovered his best form, and they will head for Manchester United – where they have won only once in the top flight since 1972 – on Monday evening looking for a fifth successive win in all competitions. He has scored in each of the last five league games having grown into the mantle of the Magpies’ main man, a role performed with such distinction in the past by the likes of Jackie Milburn, Malcolm Macdonald and Alan Shearer, and he has done so with the minimum of fuss. Asked about his character, Howe said: “He is calm, cool – he is what you see on the pitch. “He doesn’t get overly emotional, which for a striker is a great quality because that coolness you see and calmness in front of goal is part of his personality, part of what he is. He seems to have an extra half a second when other players don’t. “With Alex, the beauty of his attitude is that he wants to improve. We give him information and he is responsive. He is not a closed shop. “He is in no way thinking he has arrived at a certain place. He knows he has to keep adding to his game. The challenge is great for him to keep scoring freely as he is now.”
MUNICH (AP) — Harry Kane is the quickest player to score 50 goals in the Bundesliga after scoring a hat trick on his 43rd appearance on Friday. Kane’s three goals – including two penalties – gave Bayern a , stretching the Bavarian powerhouse’s lead to eight points ahead of the rest of the 11th round. Kane scored 36 goals in 32 league appearances last season, his first for Bayern after joining from Tottenham. It was also the first season since 2012 that Bayern failed to win the title, as Bayer Leverkusen went undefeated to snap Bayern’s winning run. As well as 14 league goals this season, Kane has scored five in the Champions League and one in the German Cup. Against Augsburg, he had to be patient as Augsburg goalkeeper Nediljko Labrović and his defenders stood firm. “It was somehow typical Harry Kane,” Bayern coach Vincent Kompany said. “It was close in the first half, close, close, close, and then it happens, I think three goals in 15 minutes. Of course, he can do that. But for such a player, I have to say, he had a lot of chances that he could maybe make more of. Then, in an instant, everything is perfect and he can score many goals.” ___ AP soccer:
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THE NBA has dropped a hefty fine of Jaylen Brown for a celebration. Jaylen Brown got a bit overexcited during a game against the Detroit Pistons and let out a brutal celebration. Brown went off in the game on Wednesday, 28 points with nine assists and six rebounds. His performance helped the Celtics win 130-120 despite a strong offensive showing from the Pistons. The Pistons shot an astonishing 51.3 percent from three and 51.2 percent from the field. The Celtics were more physical though, and Brown dunked on Pistons power forward Isaiah Stewart. Read more on the NBA After dunking on him, Brown stared him down and gestured like he was cutting his throat. The NBA didn't like seeing this and were quick to levy a big fine towards Brown. The Celtics star will have $25,000 taken out of his paycheck. "Celtics' Jaylen Brown has been fined $25,000 for throat slash gesture toward Isaiah Stewart on Wednesday," NBA reporter Shams Charania reported . Most read in Basketball NBA fans were split on whether or not the fine was correct, and shared their thoughts on social media . "It’s a fair fine. Kind of a weird gesture," one fan said. "Should’ve been $75,000 you cannot be doing that," another fan said. "What happened to the game I love," a third fan said. "Soft league," a fourth fan said. "They wonder why ratings down can’t show any emotion or have fun," a fifth fan said. While Brown may be going over the top in his celebrations, the Celtics are still winning games. Quarterfinals Tuesday 10 December - Orlando Magic at Milwaukee Bucks, 7 pm ET Tuesday 10 December - Dallas Mavericks at Oklahoma City Thunder, 9.30 pm ET Wednesday 11 December - Atlanta Hawks at New York Knicks, 7 pm ET Wednesday 11 December - Golden State Warriors at Houston Rockets, 9.30 pm ET Semifinals Saturday 14 December - SF1, 4.30pm ET (T-Mobile Arena, Las Vegas, Nevada) Saturday 14 December - SF2, 8.30pm ET (T-Mobile Arena, Las Vegas, Nevada) Final Tuesday 17 December, 8.30 pm ET (T-Mobile Arena, Las Vegas, Nevada) They hold a 18-4 record on the season, only losing to the Cleveland Cavaliers , Golden State Warriors , Atlanta Hawks , and Indiana Pacers . While they are having a good season, they were eliminated from the NBA Cup. The quarterfinals in the East consist of a matchup between the Milwaukee Bucks and Orlando Magic and a game between the New York Knicks and the Hawks. Read More on The US Sun The West side of the quarterfinals has a matchup between the Oklahoma City Thunder and Dallas Mavericks and a game between the Houston Rockets and the Warriors. The championship game will be played on December 17 in Las Vegas .
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Courtney Frazer | (TNS) Bankrate.com Exchanging currency is vital to international travel, whether you’re visiting for leisure or business. Understanding the nuances of currency exchange can help you avoid costly mistakes and make the most of your travel budget. Before you exchange money, you should know how to choose the right place to exchange your money, time your transactions for the best rates and estimate the money exchange fee. Why knowing about currency exchange matters Currency exchange involves converting one country’s money into another’s. Because currencies have different values from country to country, exchange rates fluctuate based on factors like political stability, economic performance and global market conditions. Without proper knowledge of currency exchange, travelers risk losing money on unfavorable exchange rates, excessive fees and even fraudulent practices. It’s important to know how currency exchange works and where to do money exchanges so you can get the best deal. Currency exchange fees Exchanging money abroad often comes with various fees, so it’s important to understand what you might encounter. Flat fees Some exchange providers charge a flat fee per transaction. These can make smaller exchanges expensive relative to the amount you’re converting. Always ask about any flat fees in advance, and consider exchanging larger sums to minimize the impact of this fee. Percentage fees Many currency exchange providers charge a percentage-based fee on the total amount exchanged. This fee structure can become costly if you’re exchanging large amounts of money, so compare percentage-based fees before making any decisions. ATM withdrawal fees If you’re withdrawing money from an ATM abroad, your home bank and the foreign bank may charge withdrawal fees. Some banks refund these fees, while others may partner with international banks to provide fee-free withdrawals. Before traveling, check with your bank to understand what ATM fees you might face and whether they offer any reimbursement options. Foreign transaction fees Foreign transaction fees are often charged when using credit or debit cards abroad. Depending on the card issuer and payment network, these fees can range from 1% to 3% of the transaction amount. Many travel-focused credit cards offer no foreign transaction fees, which can help you save money when making purchases abroad. Check your card’s terms and conditions before you travel to avoid surprises. If your card charges foreign transaction fees, consider limiting its use and opting for other methods, like cash or prepaid travel cards. Best places to exchange currency Not all currency exchange options are equal, especially for travelers. Some places offer better rates and lower money exchange fees, while others provide more convenience. Here’s a breakdown of the most common currency exchange options. Banks and credit unions Banks and credit unions are generally the best money exchange options, offering competitive exchange rates and transparent fees. Many banks provide foreign currency services for their account holders, and some even offer currency at a better rate when you order it in advance. If you have a major bank account, the bank may offer international ATM withdrawals with little to no fees. Banks tend to have the most secure exchange process, so you can avoid the high fees and markups that are common at airport exchange booths. Currency exchange kiosks Currency exchange kiosks, often found at airports and tourist destinations, are convenient but have significant drawbacks. They frequently offer lower exchange rates and higher fees, taking advantage of travelers who need quick cash. If you need to use a currency exchange bureau, only exchange a small amount to cover immediate needs and seek out better rates at a local bank or through an ATM once you reach your destination. Always check the exchange rate and fees before completing any transaction at these kiosks to avoid unnecessary charges. ATMs abroad Using ATMs to withdraw local currency in your destination country is one of the most convenient ways to get cash while traveling. Many banks are part of global ATM networks, allowing you to withdraw money with minimal fees if you use ATMs associated with their partner banks. However, it’s important to check with your bank ahead of time to understand what fees may apply to international withdrawals. When using ATMs abroad, stick to machines from reputable banks and avoid independent ATMs found in tourist-heavy areas or small shops. These often have higher fees and less favorable exchange rates. It’s also a good idea to notify your bank of your travel plans to avoid having your card frozen for suspicious activity. Prepaid travel cards Prepaid travel cards offer an excellent solution for travelers who want to manage currency exchange with ease. These cards allow you to load multiple currencies before you travel and lock in exchange rates to avoid rate fluctuations while abroad. Prepaid travel cards can be used like regular debit or credit cards but with the added benefit of lower foreign transaction fees. They also help limit spending, as you can only use the funds preloaded onto the card. However, be aware of hidden fees such as inactivity, ATM withdrawal or reloading fees. Common currency exchange mistakes When exchanging currency for travel, it’s easy to fall into traps that result in unnecessary expenses. Here are some common mistakes travelers make and how to avoid them. 1. Exchanging money at airports and hotels While airports and hotels may be convenient places to exchange money, they often have the worst exchange rates and highest fees. Airport kiosks, in particular, are notorious for inflating rates, sometimes marking them up by as much as 10% compared to what you’d find at a local bank or ATM. To avoid these high costs, exchange a small amount of money before your trip to cover immediate expenses like transportation. Once you arrive at your destination, use ATMs or banks for more favorable rates. 2. Using dynamic currency conversion Dynamic currency conversion (DCC) allows you to pay in your home currency when using a credit or debit card abroad. While this may seem convenient, it usually comes with a much worse exchange rate and additional hidden fees. Whenever possible, always opt to pay in the local currency of your destination to avoid unfavorable rates. DCC also gives merchants more control over the exchange rate, meaning they could use a rate that benefits them more than you. When paying with a card abroad, always make sure you’re being charged in the local currency to get the most accurate rate. 3. Timing your exchange poorly Exchange rates fluctuate daily based on global market conditions. If you know you’ll need to exchange a large sum of money, it pays to keep an eye on exchange rates before your trip. Use tools to track exchange rates and exchange your money when the rate is in your favor. For travelers planning ahead, some banks and online services allow you to lock in exchange rates before traveling, helping you avoid losses due to unfavorable fluctuations during your trip. How to maximize savings on currency exchange while traveling When traveling abroad, currency exchange fees can quickly eat into your budget. You can use certain strategies to help you save, avoid common fees and make the most of your money while exploring new destinations. 1. Plan ahead for international trips Before heading overseas, research your destination’s currency and exchange rate options. Many banks allow you to order foreign currency ahead of time, saving you from the poor exchange rates and high fees at airports or in tourist-heavy areas. If your bank offers international ATM withdrawal with low fees, consider using this option to access local currency while traveling. Financial institutions sometimes offer special travel accounts or debit cards with reduced fees for foreign transactions. Check with your bank to see if they offer international-friendly options that can help you save money while abroad. 2. Credit cards with no foreign transaction fees Credit cards that offer no foreign transaction fees can be a great asset when traveling internationally. These cards often offer competitive exchange rates, and some even provide travel rewards or cash back on purchases made abroad. Using a credit card for most of your international purchases can help protect you from currency exchange fees and fraud. 3. Limit currency exchange at high-fee locations Related Articles Travel | California’s sunny Huntington Beach makes a great weekend getaway Travel | Top travel destinations for 2025 include a real-life Land of the Lotus Eaters Travel | New York state highlights can’t-miss holiday sites and attractions Travel | Holiday travel: Tahoe’s Truckee is a magical, cozy winter destination Travel | Election results are impacting travelers’ 2025 international trip plans When traveling, try to avoid exchanging currency at locations that charge high fees, like airports, hotels or currency exchange kiosks. These places often inflate exchange rates and charge large commissions, reducing the value of your money. Instead, stick to local banks or ATMs for better rates and lower fees. If you have to exchange currency at one of these places, try to exchange only what you need immediately and find a better location later. The bottom line Currency exchange is an essential part of international travel, and getting it right can save you a lot of money. By planning ahead, avoiding high-fee locations and choosing the right method for exchanging money, you can stretch your travel budget further and minimize unnecessary costs. When traveling internationally, avoid airport kiosks and hotel exchange desks, opt for ATMs and reputable banks and consider using prepaid travel cards or credit cards with no foreign transaction fees to simplify your currency management. With a little preparation, you’ll be able to get the most out of your money while exploring the world. (Visit Bankrate online at bankrate.com.). ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.
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