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ililigtas 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. 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 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.As the investigation into the shooting continues, authorities are working to piece together the events leading up to the tragic incident and to understand the motives behind the suspect's actions. The case has raised important questions about the influence of privilege, the responsibility of the elite, and the need for greater empathy and understanding in society.

College Football Playoff's first 12-team bracket is set with Oregon No. 1 and SMU in, Alabama out

The new, 12-team College Football Playoff brings with it a promise to be bigger, more exciting, more lucrative. Perfect or 100% fair? Well, nobody ever believed that. The first expanded playoff bracket unveiled Sunday left a presumably deserving Alabama team on the sideline in favor of an SMU squad that finished with a better record after playing a schedule that was not as difficult. It ranked undefeated Oregon first but set up a possible rematch against Ohio State, the team that came closest to beating the Ducks this year. It treated underdog Boise State like a favorite and banged-up Georgia like a world beater at No. 2. It gave Ohio State home-field advantage against Tennessee for reasons it would take a supercomputer to figure out. It gave the sport the multiweek tournament it has longed for, but also ensured there will be plenty to grouse about between now and when the trophy is handed out on Jan. 20 after what will easily be the longest college football season in history. All of it, thankfully, will be sorted out on the field starting with first-round games on campuses Dec. 20 and 21, then over three succeeding rounds that will wind their way through traditional bowl sites. Maybe Oregon coach Dan Lanning, whose undefeated Ducks are the favorite to win it all, put it best when he offered: "Winning a national championship is not supposed to be easy.” Neither, it turns out, is figuring out who should play for it. The Big Ten will lead the way with four teams in the tournament, followed by the SEC with three and the ACC with two. The lasting memory from the inaugural bracket will involve the decision that handed the ACC that second bid. Alabama of the SEC didn't play Saturday. SMU of the ACC did. The Mustangs fell behind by three touchdowns to Clemson before coming back to tie. But they ultimately lost 34-31 on a 56-yard field goal as time expired. “We were on pins and needles,” SMU coach Rhett Lashley said. “Until we saw the name ‘SMU’ up there, we were hanging on the edge. We're really, really happy and thankful to the committee for rewarding our guys for their total body of work." The Mustangs only had two losses, compared to three for the Crimson Tide. Even though SMU's schedule wasn't nearly as tough, the committee was impressed by the way the Mustangs came back against Clemson. “We just felt, in this particular case, SMU had the nod above Alabama,” said Michigan athletic director Warde Manuel, the chairman of the selection committee. “But it’s no disrespect to Alabama’s strength of schedule. We looked at the entire body of work for both teams.” Alabama athletic director Greg Byrne was gracious, up to a point. “Disappointed with the outcome and felt we were one of the 12 best teams in the country,” he said on social media. He acknowledged — despite all of Alabama’s losses coming against conference opponents this season — that the Tide’s push to schedule more games against teams from other major conferences in order to improve its strength of schedule did not pay off this time. “That is not good for college football," Byrne said. Georgia, the SEC champion, was seeded second; Boise State, the Mountain West champion, earned the third seed; and Big 12 titlist Arizona State got the fourth seed and the fourth and final first-round bye. All will play in quarterfinals at bowl games on Dec. 31-Jan. 1. Clemson stole a bid and the 12th seed with its crazy win over SMU, the result that ultimately cost Alabama a spot in the field. The Tigers moved to No. 16 in the rankings, but got in as the fifth-best conference winner. The conference commissioners' idea to give conference champions preferable treatment in this first iteration of the 12-team playoff could be up for reconsideration after this season. The committee actually ranked Boise State, the Mountain West Champion, at No. 9 and Big 12 champion Arizona State at No. 12, but both get to skip the first round. Another CFP guideline: There’s no reseeding of teams after each round, which means no break for Oregon. The top-seeded Ducks will face the winner of Tennessee-Ohio State in the Rose Bowl. Oregon beat Ohio State 32-31 earlier this year in one of the season’s best games. No. 12 Clemson at No. 5 Texas, Dec. 21. Clemson is riding high after the SMU upset, while Texas is 0-2 against Georgia and 11-0 vs. everyone else this season. The winner faces ... Arizona State in the Peach Bowl. Huh? No. 11 SMU at No. 6 Penn State, Dec. 21. The biggest knock against the Mustangs was that they didn't play any big boys with that 60th-ranked strength of schedule. Well, now they get to. The winner faces ... Boise State in the Fiesta Bowl. Yes, SMU vs. Boise was the quarterfinal we all expected. No. 10 Indiana at No. 7 Notre Dame, Dec. 20. Hoosiers coach Curt Cignetti thought his team deserved a home game. Well, not quite but close. The winner faces ... Georgia in the Sugar Bowl. The Bulldogs got the No. 2 seed despite a throwing-arm injury to QB Carson Beck. But what else was the committee supposed to do? No. 9 Tennessee at No. 8 Ohio State , Dec. 21. The Buckeyes (losses to Oregon, Michigan) got home field over the Volunteers (losses to Arkansas, Georgia) in a matchup of programs with two of the biggest stadiums in football. The winner faces ... Oregon in the Rose Bowl. Feels like that matchup should come in the semifinals or later. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football

Live streams of Taylor Swift’s sold-out Eras Tour concerts in Toronto give devoted fans a window into the spectacle of outfits, surprise songs and elaborate stages from one of the biggest cultural events in recent memory. As the massive tour inches toward its final three shows in Vancouver early next month, feeding Swifties’ insatiable appetite has become a nightly tradition for a handful of live stream hosts based all over the world. They act as ringleaders for tens of thousands of viewers witnessing Swift’s constantly evolving show through unofficial channels. “I never saw it being as big as it is,” said Tess Bohne, one of the personalities credited as a pioneer of the Swift live streams. “There is a big idea of community (and) being present without being there.” Broadcasting unauthorized concert live streams on social platforms such as TikTok, Instagram and Facebook isn’t an entirely new phenomenon, but it’s one that’s been amplified with Swift’s tour. As their popularity grows, the streams are sparking conversations about copyright law and the delicate balance between protecting intellectual property and allowing listeners to embrace their fandom. “We’ve gone beyond art being a one-way conversation from the artist to the audience,” said Jay Kerr-Wilson, an IP lawyer and co-leader of Fasken’s Technology, Media and Telecommunications Group in Ottawa. “Copyright owners, generally speaking, are being more flexible and they’re not necessarily (thinking) black-and-white.” Representatives for the singer did not respond to requests for comment. For fans, the lines are already blurred. Bohne got wrapped up in the Swift live-streaming phenomenon nearly two years ago after she attended the second night of the Eras Tour, in Glendale, Ariz., and found herself consumed by the experience for days afterward. “(Often) you go to a concert and you’re like, ‘That was great, let’s move on with my life,’” the 33-year-old explained in a video call from Salt Lake City. “But there was something different. It was like, ‘No, that wasn’t enough. I’m not done.’” Eager to relive the high she felt, Bohne chased down the TikTok profiles of fellow Swifties streaming other stops on the tour. With little technical experience, she began rebroadcasting their videos, with credit, on her own TikTok profile. She would place an iPad playing their feed in front of her phone’s camera, and then swap it out with her other iPad when she found a user with a better angle of the concert. The crude setup initially drew a few thousand viewers, she said, and with more effort put into the productionher audience has grown to 100,000 to 200,000 during peak moments. Since her initial broadcast, Bohne estimates she’s streamed more than 110 of Swift’s concerts in a split-screen format, streaming the concert in one corner and munching on snacks in the other while discussing all things Swift with a chat room of strangers. Some fans donate cash, and her social media status has helped attract influencer partnerships. But the stay-at-home mom of three children said this is primarily a labour of love. Bohne is credited by many of her contemporaries as the one who inspired them to take a shot at hosting their own Eras Tour with live commentary. “A lot of people say it’s like religion for them,” explained Lucas Chalub, a Twitch streamer and longtime Swiftie. Chalub first experimented with hosting streams in August 2023. Rumours swirled that the singer might announce the release date for one of her re-recorded albums on stage in Los Angeles, so many Swifties sought out live feeds, which included his impromptu setup that night. “A lot of people joined,” remembered the 27-year-old sports journalist from Argentina. “That’s the first night that I said, ‘Why not do this every night?’” Chalub said he usually draws on streams from 10 to 15 concertgoers who are often aware their recordings might get picked up by the streaming hosts. Many bring power banks to recharge their devices and sometimes a backup phone. “We are not the heroes that people think we are,” Chalub added of his fellow streamers, crediting fans on the ground who do their work pro bono. “The real heroes are the people in the venue spending — or wasting — their time trying to live stream for us instead of enjoying the show.” The legality around live streaming Swift’s concerts is murky. In the simplest terms, the rebroadcasting of copyrighted music without a licence isn’t allowed, and platforms such as YouTube and TikTok have sometimes shut down live feeds mid-stream at the behest of record labels. It happened to Ammir Shar, a 25-year-old streamer from Blackpool, U.K., who saw his YouTube feed for the fourth Toronto concert yanked down while the show was in progress. Hosts say they worry about racking up too many takedown notices, which can risk permanently shutting down their channels. Usually after a live stream ends, they delete the footage from platforms like YouTube. However, they say attempts to silence them won’t amount to much. When one streamer falls, sometimes two others turn up. Copyright owners are still grappling with that perspective, especially when unsanctioned live streams can impact other financial stakes, said Kerr-Wilson. In Swift’s case, she sold the streaming rights to her “The Eras Tour” film to Disney Plus for US$75 million. Arguably, the lawyer suggested, a company might take issue with similar options on the market, such as a live stream. But even that seems to be an evolving conversation. “People have realized that social media and user-generated content isn’t the enemy, and, in fact, can be a powerful way to engage with fans and to be part of the conversation,” he said. “I think the trend is going to continue.” While Swift hasn’t publicly said much about the streams, several streamers believe she is aware of them. They also argue the vast majority of people tuning into their feeds already have an investment in Swift’s success. Last November, a group of technologically savvy Swifties launched Swift Alert, a phone app that sends out alerts for the highlights of each Eras Tour show. Inside the app, the creators also launched a game called Mastermind — named after a Swift song, of course — where fans can win prizes by guessing which of Swift’s rotating selection of outfits she’ll wear for each “era” of her performance. Using Swift Alert in tandem with the live streams, many fans tune in for the standout moments of the three-hour concert. “A lot of people compare it to fantasy football,” Shah said. “This kind of stuff brings us closer together.” With the Eras Tour set to end in Vancouver on Dec. 8, many live streamers say they’re uncertain how the future looks. Recently, Bohne experimented with a live stream from pop singer Meghan Trainor’s concert to see if there’s similar interest. While it was enjoyable, she said the experience wasn’t quite the same. Others have started streaming Sabrina Carpenter’s Short n’ Sweet Tour. They say her shows are closest to Swift’s because Carpenter is a natural at witty banter, performs nightly surprise songs and changes up her outfits. “I’ve considered doing a few other (musicians, but they) are more like normal concerts — the artist on the stage with a microphone in one outfit, just singing their songs,” said Shah. “It’s not something that people at home will be like, ‘What outfit is she going to wear?’” Some wonder how live streaming will look without the intrigue of Swift’s tour. Added Bohne: “No concert is like The Eras Tour.”Are you looking for a cost-effective and comfortable place to live in Beijing? Look no further than the public rental housing in Fengtai District! With its convenient location, excellent amenities, and affordable rental prices, the public rental housing in Fengtai District offers a great opportunity for individuals and families looking for a new place to call home.

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JD Airlines Joins the International Air Transport Association, Expanding Routes to South Korea and Multiple Southeast Asian Countries

Tesla stock could drop 35% as the Trump-fueled rally isn't supported by business fundamentals, UBS saysTitle: Good News for Chelsea Post 4:3 Defeat – New Signing Comparable to Neymar, €61m a Bargain

As the newly appointed Party Secretary, Guan Zhiou will play a pivotal role in guiding the strategic direction and policy implementation of the MNR. His leadership will be instrumental in advancing the ministry's mission of promoting ecological civilization, sustainable development, and environmental protection.The essence of friendship, as demonstrated by Xue Jianing and Zhao Lusi, goes beyond mere companionship. It involves understanding, trust, and unwavering support in times of joy and sorrow. Their bond serves as a reminder to cherish and nurture the relationships that bring happiness and comfort into our lives.

The case serves as a sobering reminder of the constant threat posed by insider threats and the importance of vigilance in protecting national security. It also highlights the need for stringent security measures and robust counterintelligence efforts to safeguard classified information and prevent it from falling into the wrong hands.

As we await the arrival of Wu Jinyan's little one, we send her our warmest wishes and prayers for a safe and joyful delivery. May her journey into motherhood be filled with love, laughter, and endless blessings, and may her new bundle of joy bring her a lifetime of happiness and fulfillment. Congratulations, Wu Jinyan, on this beautiful new chapter in your life. We can't wait to see the next chapter unfold.