But the City boss has vowed to stay on and lift the club back to the top even if they are sent all the way down to the National League. Guardiola ended speculation over his immediate future this week by extending his contract, which had been due to expire at the end of the season, through to the summer of 2027. That has given the club some stability at a time of great uncertainty as they fight 115 charges related to alleged breaches of the Premier League’s financial regulations. City have denied all wrongdoing but their punishment if found guilty could be severe, with demotion even a possibility. Guardiola has strongly defended the club in the past and is happy to continue doing so. The Spaniard said: “I don’t enjoy it, I prefer not to be in that position, but once it’s there I love it because, when you believe in your club, and the people there – I believe what they say to me and the reasons why. “I cannot say yet because we’re awaiting the sentence in February or March – I don’t know when – but at the same time, I like it. “I read something about the situation and how you need to be relegated immediately. Seventy-five per cent of the clubs want it, because I know what they do behind the scenes and this sort of stuff. “I said when all the clubs accused us of doing something wrong, (and people asked) what happens if we are relegated, (I said) I will be here. “Next year, I don’t know the position of the Conference they are going to (put) us, (but) we are going to come up and come up and come back to the Premier League. I knew it then and I feel it now.” The immediate priority for Guardiola, who said his contract negotiations were completed in “just two hours”, is to arrest a run of four successive defeats in all competitions. Yet, ahead of their return to action against Tottenham at the Etihad Stadium on Saturday, the champions continue to grapple with a lengthy injury list. Mateo Kovacic is their latest casualty after sustaining a knock on international duty that could keep him out for up to a month. On the positive side, defenders Nathan Ake, John Stones and Manuel Akanji could feature and Jack Grealish is also closing in on a return after a month out. Much to Guardiola’s frustration, Grealish was called up by England for their recent Nations League games, although he later withdrew. Guardiola said: “I want the best for Jack and I want the best for Jack with the national team but the doctor said to me that he was not ready to play. “I know (England) want him but they have 200 players to select from and Jack was not fit. He had to recover from many things.” Kyle Walker played for England against both Greece and the Republic of Ireland despite limited game time since suffering injury in the October international break. Guardiola said: “If he is fit I like him to play in the national team. It is not a problem, don’t misunderstand me. “Kyle has a dream to make 100 caps for the national team. Do I want to cancel this dream? Absolutely not. “But if you are not fit, if you cannot play here, you cannot play for the national team. It is quite obvious.”
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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 | Cruise into this holiday season with a non-traditional vacation Travel | 8 last-minute Christmas vacations to book in the US 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 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.A SCIENTIST group at the weekend flagged the massive cut under the Congress-approved 2025 national budget for an early warning system project designed to prepare communities for landslides, which it said is a step in the wrong direction as the country bears the brunt of the worsening climate. The cut, which would see the Dynaslope project’s budget slashed to P25.5 million next year from P41.1 million in 2024, has serious consequences for landslide-prone communities, AGHAM said in a statement. “Cutting its budget now — when typhoons are becoming stronger and more frequent — is a step in the wrong direction, risking lives and erasing hard-won progress in disaster resilience.” AGHAM said if the cut pushes through, a third or 19 of the project’s employees are at risk of losing their jobs next year. This will affect scientists, researchers and other personnel working on the project, it said. “Such move will waste highly valuable government resources—skilled disaster risk reduction management workers who have spent years honing their expertise through rigorous training and work experience, serving vulnerable communities.” “These workers, already burdened by pay delays, unsafe working conditions, job insecurity, and the absence of rightful benefits, now face yet another threat to their livelihoods,” it added. Dynaslope, a project at the Department of Science and Technology’s Philippine Institute of Volcanology and Seismology, has been providing community-based early warning systems for landslides in the Philippines since 2008. It monitors 52 landslide sites in 18 provinces and has developed hazard maps, risk assessments, a landslide monitoring system, and landslide early warning committees in partnership with local government units (LGUs). In an open letter to Mr. Marcos dated Dec. 17, Dynaslope project staff including scientists, engineers and community development professionals said the 44% budget reduction will “deeply compromise a lifeline that protects Filipino lives and livelihoods from landslide disasters.” They said professionals working for the project have “devoted years to honing their expertise through rigorous training, practice, and research.” “This loss threatens to severely undermine our 24/7 landslide monitoring operations, downscale cutting-edge landslide research, and reduce critical capacity-building initiatives and technical assistance to communities — all of which vital for advancing disaster risk reduction strategies,” they said. At the 2024 Gawad KALASAG awards, Mr. Marcos urged the National Disaster Risk Reduction and Management Council (NDRRMC) and other concerned agencies and LGUs “to continue working together to develop innovative solutions that are science-based, that are sustainable, and are future-ready, and establish clear guidelines for more effective disaster-response.” Dynaslope staff said the project “is a prime example of such innovation, pioneering a community-based early warning system for landslides that has safeguarded 52 vulnerable communities across 24 provinces, protecting thousands of lives, public infrastructures, and empowering over 46 local government units to protect their people.” Mr. Marcos in November said typhoons experienced by his country have been increasingly unpredictable due to the changing climate, and that his government doesn’t have a “template to follow” in terms of response. “With your support, we can continue our work and expand our services to more environmentally fragile communities,” they added. “Without sufficient funding, life-saving efforts in the development of localized, cost-efficient landslide early warning technologies will be stalled, leaving more at risk,” Dynaslope workers said. — Kyle Aristophere T. Atienza
A recent analysis report has revealed that Indian investors continued to top the list of new non-Emirati companies joining the chamber during the first nine months of 2024, with 12,142 new companies, according to Emirates News Agency WAM. The detailed analysis conducted by the Dubai Chamber of Commerce, one of the three chambers operating under the umbrella of Dubai Chambers showcased an impressive influx of new non-Emirati companies, with Indian investors leading the charge. India ranked first on the list with 12,142 new companies. The findings highlight Dubai’s strong appeal among Indian investors and entrepreneurs. Pakistan ranked second on the list with 6,061 new companies joining between Q1-Q3 2024, while Egypt followed with 3,611 new companies registering as chamber members. The number of new Syrian companies joining the chamber during the first nine months of the year reached 2,062, placing the country fourth among the top nationalities of new member companies. The United Kingdom secured the fifth rank with 1,886 new companies joining the chamber. Bangladesh ranked sixth with 1,669 new Bangladeshi companies joining between Q1-Q3 2024. In terms of the sectoral distribution of new member companies joining the chamber between Q1-Q3 2024, the trade and services sector ranked first, accounting for 41.5 per cent of the total. Real estate, renting, and business services emerged in the second position with a share of 33.3 per cent. The manufacturing sector comprised the second largest percentage of electricity consumption at 13.8 per cent, this was followed by the construction sector taking the third largest percentage at 10.4 per cent. the transport, storage and communications sector taking the fourth largest percentage at 8.6 per cent. The last two types of industries, the social and personal services sector, accounted for 6.8 per cent.Dominican Republic’s MIREX and DGA forge strategic alliance to bolster exports and streamline trade
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The world’s largest electric vehicle (EV) battery producer, CATL, has unveiled two standardized battery models in a bid to streamline electric vehicle battery swapping. The company also announced that it will build the first 1,000 battery swap stations in the coming year. The next 10,000 stations will be developed with partners, with a final total of 30,000 swap stations planned across China. The company’s founder and CEO, Robin Zheng, emphasized that CATL will continue to promote the standardization of battery swapping, with a key focus on standardizing battery size. Electric alternative to gasoline octane grades The 20# and 25# Choco-SEB (Swapping Electric Blocks) battery packs from CATL support both lithium iron phosphate (LFP) and lithium nickel manganese cobalt (NMC) chemistries. Similar to how gasoline is available in 92 and 95 octane grades in China, the 20# and 25# Choco-SEB modules provide an electric alternative, the company adds. The 20# battery swap block is designed for A0 class vehicles, providing a range of up to 310 miles (500 km) under CLTC. A0 class vehicles in China include small city cars and subcompact hatchbacks. The 25# battery swap block is suited for A and B class electric vehicles, offering up to 373 mile (600 km) range. A class vehicles in China are compact cars like the BYD Dolphin, while B class includes mid-size cars like the BYD Seal. Yang Jun, CEO of CATL’s battery swapping arm CAES, explained that the #20 LFP battery pack offers 42 kWh with a 248 mile (400 km) range, while the NMC version provides 52 kWh and a 310 mile (500 km) range. The #25 LFP pack offers 56 kWh with a 310 mile (500 km) range, and the NMC version has 70 kWh and a 373 mile (600 km) range. Moreover, Choco-Swap’s advantage lies in its need-based energy use, allowing users to pay according to usage rather than purchasing entire battery packs, maximizing each battery’s value. Transforming EV energy replenishment by 2030 Zeng announced that all new battery technologies from CATL will be applied to Choco-Swap models in the future. This standardization is expected to lower development costs for battery-swappable vehicles, reduce new vehicle development cycles by over six months, and resolve the “quality, performance, and cost” trilemma. “We are addressing the challenges faced by the electric vehicle industry as the industry goes into uncharted waters. The simpler the solutions we provide, the better our automotive partners can leverage their strengths in intelligence and personalization to create value for users,” said Yang Jun added . CATL also announced that 10 electric vehicles featuring swappable Choco-SEB battery packs will launch starting next year. The company collaborated with GAC, BAIC, Wuling, and FAW to develop these models. The company officially entered the battery swap market in January 2022 with the launch of its EVOGO battery swap brand. Zheng stated that by 2030, battery swapping is expected to meet one-third of the energy replenishment needs for electric vehicles.