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NoneCourtney 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 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. 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.( ) shares had a tough time on Wednesday. The counterdrone technology company's shares were sold off again and dropped 6% to 70 cents. The good news for shareholders is that the company's shares are bouncing back on Thursday morning. In fact, the DroneShield share price was up 4% to 73 cents before being paused from trade. This put it among the best performers on the (ASX: XAO) index before the pause. Why are DroneShield's shares racing higher today? Today's gain was driven the release of an before the market open. According to the release, DroneShield has received a repeat order of $8.2 million from a major European military customer. The company advised that the order is for dismounted and vehicle-mounted counter-UxS systems. It expects to deliver the order over the next three months, including from available stock. The full cash payment is expected to be received during the first quarter of 2025. The company's CEO, Oleg Vornik, believes that this order is a validation of the quality of DroneShield products and how they are meeting the needs of sophisticated military customers. Commenting on the deal, Vornik said: Larger orders of this type from repeat customers of this calibre are a validation that DroneShield products are meeting the challenge set by sophisticated military customers. As the threat of drones is increasing across the entire battlespace, militaries need broader packages like this one. The chief executive also believes that this order demonstrates the company's competitive advantage in being able to link vehicle and fixed systems together. He adds: DroneShield is unique globally in that we can provide an entire ecosystem of dismounted, vehicle and fixed systems and link them all together. Should you invest? A recent note out of Bell Potter reveals that its analysts see a lot of value in DroneShield's shares at current levels. Prior to today's news, it had a buy rating and $1.20 price target on its shares. It said: Whilst DroneShield's revenue YTD has been disappointing, we view this as an opportunity to reset market expectations, which were overly optimistic for CY24. However, DRO remains a high-quality technology company, operating in a rapidly growing market and is well capitalised to maintain its market leading position. We believe the current SP provides an attractive entry point considering DRO's strong runway into CY25 ($18m contracted rev.), robust market demand and appealing long-term growth outlook. Why the pause? The pause states the following: Trading in the securities of the entity will be temporarily paused pending a further announcement. Stay tuned for that.jiliko 747 live casino login 。

King laughs at British comedian’s impression of Donald Trump at Royal Variety

Pride, bragging rights and more than $115M at stake when final college playoff rankings come outSEOUL: Prime Minister Datuk Seri Anwar Ibrahim arrived in Seoul on Sunday (Nov 24) for a three-day official visit to South Korea to further strengthen bilateral relations between Malaysia and South Korea. Both countries will be celebrating the 65th anniversary of the establishment of diplomatic relations in 2025. The special aircraft carrying Anwar touched down at Seoul Air Base at about 9.55pm (8.55pm Malaysian time), where he was received by South Korea's Public Affairs Ministry spokesman and Deputy Minister, Lee Jaewoong, Korean Ambassador to Malaysia Yeo Seung Bae and Malaysian Ambassador to South Korea Datuk Mohd Zamruni Khalid. Anwar was accompanied by Foreign Minister Datuk Seri Mohamad Hasan; Investment, Trade and Industry Minister Tengku Datuk Seri Zafrul Abdul Aziz; Science, Technology and Innovation Minister Chang Lih Kang; National Unity Minister Datuk Aaron Ago Dagang and senior government officials. The Prime Minister was later accorded an official welcome at the air base. According to Mohd Zamruni, the visit is at the invitation of President Yoon Suk-yeol. "On Monday (Nov 25), the Prime Minister will hold a bilateral meeting with President Yoon at the Yongsan Presidential Office. "Both leaders will take stock of Malaysia-Republic of Korea bilateral relations that have significantly progressed, both in scope and substance, since the establishment of diplomatic ties in 1960. "They are also expected to discuss regional and international issues of mutual concern, and exchange views on Malaysia’s Chairmanship of Asean and the Republic of Korea’s Chairmanship of Apec, both in 2025,” he said. The two leaders will also witness the exchange of three memoranda of understanding on Cooperation in the Field of Higher Education, Cooperation in the Field of Carbon Capture and Storage and Cooperation in Cooperative Approaches Under Article 6, Paragraph 2 of the Paris Agreement. Another key highlight of the official visit is the Malaysia-Republic of Korea Business Forum and one-on-one meetings with Korean Conglomerates, in which the Prime Minister will engage with prominent business leaders to explore economic opportunities in Malaysia. The curated session will provide insights into Malaysia's strategic priorities and initiatives, focusing on economic and fiscal growth, as well as trade and investment opportunities. On Tuesday (Nov 26), the Prime Minister will also deliver a special address titled "Strategic Partners in a Complex World: Malaysia, Korea, and the Future of Asia” at Seoul National University. - Bernama

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Just a couple months ahead of release, Warhorse Studios has announced that Kingdom Come: Deliverance 2 has a new release date—but don't worry, because it's actually going to show up a little earlier than planned. Instead of arriving on February 11, the big new RPG is now set to arrive on February 4. The reason for the release date change, Warhorse PR manager Tobias Stolz-Zwilling said, is simple: "So you can start 2025 with the best game there is. Right?" Big news: Kingdom Come: Deliverance II will arrive at your homes on FEBRUARY 4TH 2025!⚔️With the release date pushing one week forward, we have a bunch of more exciting news coming in the following days. Brand new Story trailer drops Tomorrow on December 5. PC and Console... pic.twitter.com/hfBrQZJyjS December 4, 2024 Well, okay. Kingdom Come: Deliverance, released in 2018, is a really good historical RPG , and hopes are high for the sequel. PC Gamer's Fraser Brown said it feels like the original game "but more" in an August preview : "It's larger, confident and extremely tactile, but maintains the first game's novel juxtaposition of historical drama and slapstick silliness." That's definitely welcome news for fans, and props to Toby for aiming high, but I suspect there might be other forces at play here. As we said in September, February 2025 is absurdly stacked with games , including Civilization 7 , a guaranteed heavyweight, which is also set to drop on February 11. Assassin's Creed Shadows shows up three days later, on February 14, and you know that's going to be big, and four days after that Obsidian's hotly anticipated RPG Avowed finally comes out. Eight days down the road we've got Like a Dragon: Pirate Yakuza in Hawaii , and two days after that—February 28— Monster Hunter Wilds , another sure-fire hit, lumbers out. That's a whole lot of gaming going on, and you can understand why Warhorse might want to make a little space for Kingdom Come: Deliverance 2. Going later in the month would put it right in the path of Avowed, but the week-and-a-half window at the start of February is relatively quiet, and it also affords Warhorse the chance to be first. Given the importance of day-one sales, that matters. That's not meant to be disrespectful of Warhorse, or dismissive of its ambitions: Honestly, I'd love it if Kingdom Come: Deliverance 2 rolled out and we all discovered, "Holy cow, this really is the best game there is!" But release date changes to avoid butting heads with big boys is not all that terribly uncommon anymore—Like a Dragon: Pirate Yakuza in Hawaii moved its own launch date up by a week in October to avoid tangling with Monster Hunter Wilds—and February is, as we said, frightfully crowded. I'm not saying Warhorse bumped up the release date of Kingdom Come: Deliverance 2 specifically to avoid throwing hands with Sid Meier and the boys—but if it did, I sure wouldn't blame 'em for it. The biggest gaming news, reviews and hardware deals Keep up to date with the most important stories and the best deals, as picked by the PC Gamer team.

TORONTO — Canada's main stock index edged higher in trading on Wednesday, helped by strength in the technology sector, while U.S. stock markets also rose. The S&P/TSX composite index was up 5.45 points at 25,641.18. The index took a “breather” Wednesday ahead of key labour market indicators set to be released both in Canada and the U.S. this week, said Angelo Kourkafas, senior investment strategist at Edward Jones. Statistics Canada will report the latest data from the national labour force survey on Friday, the same day the November jobs report is due in the U.S. “That's the last important data point for the Bank of Canada before they meet next week,” said Kourkafas. November was a strong month for equities, he said, so it isn't surprising that investors are digesting the gains while they await new data. He said it’s expected that Statistics Canada will report an acceleration of job gains after last month brought a “relatively weak reading,” with job gains at about half of what analysts were expecting. While Canada’s central bank is expected to cut its key interest rate a fifth straight time on Dec. 11, the size of the cut could depend on that jobs data, he said. “We're now looking at a rebound, but as the Bank of Canada deliberates between a quarter point cut versus half a percentage point cut, I think what we are going to see in terms of unemployment rate and the base of job gains is going to have a say into that,” said Kourkafas, adding that wage growth is another important metric to watch. “If we see steady job growth and slowing wages, that can potentially tilt the Bank of Canada towards a larger cut.” In New York, the Dow Jones industrial average was up 308.51 points at 45,014.04. The S&P 500 index was up 36.61 points at 6,086.49, while the Nasdaq composite was up 254.21 points at 19,735.12. U.S. markets were propelled by strength in the technology sector, said Kourkafas, highlighting strong results in quarterly earnings released this week by Salesforce Inc. and Marvell Technology Inc. “I think today's results highlight that there is still a long runway and still enthusiasm, excitement about artificial intelligence and kind of that multi-year adoption cycle,” he said. The Canadian dollar traded for 71.09 cents US compared with 71.14 cents US on Tuesday. The January crude oil contract was down US$1.40 at US$68.54 per barrel and the January natural gas contract was up less than a penny at US$3.04 per mmBTU. The February gold contract was up US$8.30 at US$2,676.20 an ounce and the March copper contract was down less than a penny at US$4.20 a pound. This report by The Canadian Press was first published Dec. 4, 2024. Companies in this story: (TSX:GSPTSE, TSX:CADUSD) Sammy Hudes, The Canadian PressBRIDGEWATER, NEW JERSEY / ACCESSWIRE / December 6, 2024 / Tharimmune, Inc. (Nasdaq:THAR) ("Tharimmune" or the "Company"), a clinical-stage biotechnology company committed to pioneering therapies in immunology and inflammation, today announced it has entered into a securities purchase agreement to raise gross proceeds of approximately $2.02 million through a private placement. The agreement includes the issuance of 961,446 shares of common stock (or common stock equivalents) and warrants to purchase up to an additional 480,723 shares of common stock. Each share (or common stock equivalent) is priced at $2.10 and is accompanied by a warrant. The warrants will have an exercise price of $2.031 per share, becoming exercisable six months after issuance and expiring five and one-half years from the date of issuance. The closing of this transaction is expected on or about December 9, 2024, subject to customary closing conditions.