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Is Diamondback Energy (FANG) the Best Fuel Stock to Buy Now?The Ducks climbed to No. 2 after beating Texas A&M and San Diego State, but Gonzaga held down the top spot. Share this: Click to share on Facebook (Opens in new window) Click to share on Twitter (Opens in new window) Click to print (Opens in new window) Click to email a link to a friend (Opens in new window) Click to share on Reddit (Opens in new window) Report an error Policies and Standards Contact Us Most Popular Dear Abby: We’re only in middle school and she’s getting a reputation Dear Abby: We're only in middle school and she's getting a reputation Asking Eric: Cut out of the will? I’m angry – and suspicious Asking Eric: Cut out of the will? I'm angry – and suspicious Miss Manners: I think it’s unwise to reveal my dogs’ names to strangers Miss Manners: I think it's unwise to reveal my dogs' names to strangers Dear Abby: My wife is acting like we’re still young, and it gets on my nerves Dear Abby: My wife is acting like we're still young, and it gets on my nerves Trump chooses Stanford’s Dr. Jay Bhattacharya to lead NIH Trump chooses Stanford's Dr. Jay Bhattacharya to lead NIH Motor vehicle thefts have risen in the Bay Area. Which is the most stolen vehicle? Motor vehicle thefts have risen in the Bay Area. Which is the most stolen vehicle? Asking Eric: I’m just being a dad, but that’s not how my friends make it sound Asking Eric: I'm just being a dad, but that's not how my friends make it sound Three dead following fiery crash in East Bay involving a Tesla Cybertruck Three dead following fiery crash in East Bay involving a Tesla Cybertruck Dear Abby: Can I follow my Pinterest dreams without consulting my husband? Dear Abby: Can I follow my Pinterest dreams without consulting my husband? Transgender player on San Jose State women’s volleyball team can play at Mountain West tournament, judge rules Transgender player on San Jose State women's volleyball team can play at Mountain West tournament, judge rules Trending Nationally NYC judge excuses Rudy Giuliani lawyers, refuses to delay trial amid courtroom outburst from ex-mayor Dickies, 102-year-old Texas workwear company, moving its HQ to California ‘Hungry for this kind of food.’ Raw milk use surging in Florida despite law banning sales for human consumption Crazy cleaning fees have caused once-loyal Airbnb travelers to consider hotels 10 best books of 2024: The surprising reads that stuckShares of health insurance companies including UnitedHealth Group continued to fall on Friday, two days after Brian Thompson, the CEO of the company’s health insurance unit, was fatally shot outside a Manhattan hotel by a gunman waiting for him. The shooter is still at large and his motive for the attack has not been determined, police officials say. Thompson’s death sparked a wide social media conversation over frustrations with navigating the US health insurance system, particularly when medical expenses are not covered or insurance claims or requests for care are denied. “The anti-insurer sentiment expressed by the public after this event suggests that UnitedHealth and perhaps the industry may need to adjust how they handle coverage decisions,” said Morningstar analyst Julie Utterback. Shares of UnitedHealth slid 5% on Friday to $549.62 after a 5% drop on Thursday. Rival insurers Elevance, Centene, CVS Health, and Cigna also fell between 1.5% and 3%. Those shares all lost ground on Thursday as well. The words “deny,” “defend” and “depose” were carved into shell casings found at the scene, police sources told ABC and the New York Post. The words evoke the title of Jay Feinman’s 2010 book critical of the US insurance industry: “Delay Deny Defend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It.” Follow the latest on the murder of UnitedHealthcare CEO Brian Thompson : Social media sites have been flooded with angry posts attacking the companies and users sharing personal frustrations on coverage rejections and how they have been denied necessary care, as well as sarcastic videos with unsympathetic messages like “thoughts and prayers require prior authorization.” Health insurance companies are reassessing the risks for their top executives with both UnitedHealth and CVS removing photos of their leadership teams from their websites after the shooting. Potential changes in coverage decisions may be prompted by internal initiatives or external pressures that could pose risks for profits, said Utterback. The insurance industry has been facing higher costs over the past few quarters due to increased demand for health care under government-backed Medicare plans for older adults or those with disabilities, as well as changes in Medicaid eligibility from states, which has left insurers with more patients who require more medical services.MLB commissioner says there's 'buzz' about a Golden At-Bat rule. What is it?
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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 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.
Will Joel Eriksson Ek Score a Goal Against the Flames on November 23?Dodgers have held 'preliminary' extension talks with former Gold Glove winnerThe Chicago Cubs already have been aggressive this offseason. Chicago knows it needs some more pitching and it has already landed veteran hurler Matthew Boyd. That likely won't be their only move of the offseason when it comes to pitching. Chicago's bullpen could use an upgrade after finishing with the 12th-best bullpen ERA in 2024 at 3.81. The Athletic's Jim Bowden made a list of suggested fits for each big league club with projected contracts. He predicted Philadelphia Phillies All-Star reliever Carlos Estévez as a fit for the Cubs and projected that he will receive a three-year, $33 million deal. "Chicago Cubs — Carlos Estévez, RHP (three years, $33 million)," Bowden said. "After adding Matthew Boyd to their rotation, the Cubs need to bolster their bullpen and Estévez would be a good fit. He’s coming off a strong year in which he posted a 2.38 ERA over 34 appearances with 20 saves for the Angels before being dealt to the Phillies at the trade deadline. He put up a 2.57 ERA over 20 appearances with six saves for Philadelphia. Batters hit under .200 against all of his arsenal, including his four-seamer, slider and changeup." Estévez shined in 2024 in what was the best season of his career so far. He appeared in 54 games with the Los Angeles Angels and Phillies and logged a career-best 2.45 ERA. Estévez also logged an impressive 50-to-12 strikeout-to-walk ratio in 55 innings to go along with 26 saves. If the Cubs want to add high-leverage help for the bullpen, Estévez would be a fantastic fit. Pitching contracts have been outrageous so far this offseason but a $33 million pact wouldn't be too rough. This is a great idea from Bowden and should be considered by Chicago. More MLB: Cubs have To pay 'significant salary' to dump $27.5M star, per insider
The Ducks climbed to No. 2 after beating Texas A&M and San Diego State, but Gonzaga held down the top spot. Subscribe to continue reading this article. Already subscribed? To login in, click here.Hezbollah responds to strikes after ceasefireHague Court Lays Fresh Charges Against Ex-Kosovo Leader Thaci