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10jili cc 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 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. 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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The Centre of Excellence for Millets and Incubation Centre was launched at the CSIR-CFTRI here. Minister for Agriculture N. Cheluvarayaswamy inaugurated the facility on the CFTRI campus on Friday. The facility has come up with the support from the State government. CSIR-CFTRI director Sridevi Annapurna Singh, Ramesh Bandisidde Gowda, K. Harish Gowda, MLAs, former council chairman V.R. Sudarshan, Commissioner for Agriculture Y.S. Patil, and scientists from the institute were present. After the launch, the Minister went around the facility and got the details from the scientists on the millet-based products and the technologies developed by the institute over the years that can be transferred for commercial production. The scientists explained the initiatives taken up for promoting millets, especially after the year 2023 was declared as the International Year of Millets. Established at a cost of ₹20 crore with funding from the Karnataka government, the CFTRI, which has been working on millets since past 17 years, developing over 60 technologies till date, aims to reach out or transfer its technologies to farmers, entrepreneurs, women SHGs and others to market the products, focussing on the longer shelf life of the products without compromising on the taste and nutritional value. With India being the one the world’s largest producers of millets, contributing 19 percent of the global production, the institute aims to help reach out the millet products to the global markets, addressing the issues concerning the shelf life. Three units have come up at the centre under the initiative with the combined production capacity ranging from 500 kilos to one tonne. More than 50 farmers had accompanied the Minister as the CFTRI aims to train farmers and others in millet processing, and make them entrepreneurs. The CFTRI last year developed 12 new technologies. The new technologies include ragi-based malt hydrolysate, malted ragi-based ready-to-eat weaning food, a process for the production of multigrain waffles, and multigrain pizza base. The focus of the technologies was on millets since 2023 was the International Year of Millets. Other technologies are finger-millet semolina, instant finger-millet ragi rava idli mix, instant finger-millet halwa mix, instant finger-millet upma mix, millet and multi millet puttu podi mix, cleaner process for biotechnological production of spirulina, and ready-to-use multigrain idli and dosa batter in retail packs The ready-to-eat malted ragi-based weaning food that was also developed is suitable for children of the age group of six months to three. Notably, fruits like apples, mangoes, oranges, and vegetables like carrots or tomatoes can be incorporated in the food, the scientists said. Published - December 07, 2024 08:32 pm IST Copy link Email Facebook Twitter Telegram LinkedIn WhatsApp Reddit

NEW YORK — Sarah Strong scored 21 points and Azzi Fudd added 18 to help No. 2 UConn rout No. 22 Louisville 85-52 on Saturday night as part of the Women's Champions Classic. The Huskies (8-0) took control early and never looked back. Louisville (5-4) trailed by 18 after one and got within 12 early in the second quarter before Strong, the latest Huskies freshman star, got UConn back on track. She was hitting both from the inside and out. The Huskies led 49-24 at the half and that was with All-American Paige Bueckers scoring just three points while missing all six of her field goal attempts. She had her first point of the game with 6:38 left in the half on a free throw and hit her first basket early in the third quarter. Bueckers, who came into the game averaging 20.4 points, finished with eight. She also had 10 rebounds and six assists. Tennessee beat No. 17 Iowa 78-68 in the opener of the doubleheader at Barclays Center. Takeaways UConn: This was the first of a stretch of four games against ranked teams in the next five contests. The Huskies head to No. 10 Notre Dame next Thursday and play No. 20 Iowa State and No. 6 USC later this month in Connecticut. UConnguard Paige Bueckers, left, dribbles around Louisville guard Tajianna Roberts during the first half of an NCAA college basketball game Saturday, Dec. 7, 2024, in New York. Credit: AP/John Munson Louisville: The Cardinals four losses have all come against ranked teams with Jeff Walz's squad also falling to UCLA, Kentucky and Oklahoma. Key moment It was 8-5 early before the Huskies outscored the Cardinals 20-5 for the remainder of the quarter to take command of the game. Ashlynn Shade had seven points during that burst. Key stat UConn outrebounded Louisville 52-28. Up next Louisville hosts Grambling State on Thursday, while UConn visits No. 10 Notre Dame the same night.Stock market today: Wall Street hits more records following a just-right jobs reportNone

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Lindsey Vonn takes another step in comeback at age 40, competes in a pair of downhillsCostco Wholesale ( COST 1.05% ) stock is an investor favorite. It looks almost completely immune to market changes, moving up steadily regardless of the macro environment. It was one of the few stocks that didn't plunge in the 2020 crash, and the company reported some of its best growth ever for the first two years of the pandemic. Even though that's finished, the big-box retailer is building steadily on top of its past success, and the stock continues to beat the market. As wonderful as that is for shareholders, Costco stock is trading at its highest-ever valuation . Is Costco stock still a buy for 2025? Why everyone loves Costco Costco has a differentiated retail business that generates loyalty, volume, and profits. It's a no-brainer business and no-brainer stock to own. Unlike most of its retail peers, Costco's stores are only open to paying members. In general, paying for the privilege of shopping in a store leads to exclusivity and targets an affluent clientele. That's true for Costco to some degree -- you do have to have space to store all your purchases. But in Costco's case, the annual fee allows shoppers to benefit from Costco's rock-bottom pricing, and the savings make up for much more than the fee. That's how it develops loyalty. Shoppers want to get the most bang for their buck, and they also want to benefit from the low prices. Retention rates are outstanding, with U.S. and Canada renewal rates of 92.9% in the 2024 fiscal fourth quarter (ended Sept. 1) and 90.5% worldwide. Membership households increased 7.3% over last year to 76.2 million. Happy customers are also increasingly moving over to executive memberships. These cost twice the amount of a basic annual membership and come with two cards, as well as other perks, like some cash back. Executive members increased 9.6% over last year in Q4 to 35.4 million, accounting for 46.5% of total membership but 73.5% of sales. Costco raised the price of a basic membership from $60 to $65 and an executive membership from $120 to $130 in September. It will release its next quarterly report, the first to include the membership fee hike, in a few weeks. The stock also pays a dividend although the regular dividend yields a mediocre 0.46% at the current price because the stock price has soared recently. The retailer has also issued a special dividend five times, which adds quite a lot. The latest one was last year for $15, and it has paid one about every 2.5 years on average in recent years. Looking out into the future Costco is the third-largest retailer in the U.S. behind Walmart and Amazon , but it only has 615 U.S. stores, and it's not even in every state. Management still sees "significant runway" in opening new stores domestically, but it has even greater opportunities internationally, where it has 277 stores. It only recently entered China, where it already has seven stores, and it sees this as just the beginning in that region. It opened 30 stores in 2024 and expects to open 29 more in 2025, so there's no shortage of growth opportunities for Costco, in addition to its reliable growth in same-store sales. The more pressing concern for investors is valuation. Costco stock trades at a price-to-earnings (P/E) ratio of 59, its highest ever, and other valuation metrics like price-to-sales and price-to-cash flow are also elevated. There's every reason to believe that Costco can keep up its phenomenal performance in 2025. The question is whether or not there's any upside for its stock at the current price. The average Wall Street analyst consensus price is about 3% lower than today's price. What should investors do? If you have a long time horizon, you can buy Costco stock today and just hold through the ups and downs. But you might want to take a dollar-cost averaging strategy, or wait for a better entry point.Aam Aadmi Party (AAP) chief and former Delhi chief minister Arvind Kejriwal was allegedly attacked after a man threw liquid on him during his padyatra in the national capital’s Malviya Nagar on Saturday, November 30. The man was immediately overpowered and handed over to the police. A video of the incident has gone viral on social media. It shows a beaming Kejriwal shaking hands with his supporters when suddenly the accused throws a liquid at him. Kejriwal’s security immediately shields the him from further attacks. VIDEO | Security personnel overpowered a man who apparently tried to attack AAP national convener Arvind Kejriwal during padyatra in Delhi's Greater Kailash area. More details are awaited. pic.twitter.com/aYydNCXYHM AAP has responded strongly to the attack claiming that the attacker is associated with the Bharatiya Janata Party (BJP). AAP also made a reference of the growing law and order decline in the Union Territory and threw light on the Delhi Police inability to curb it. It should be noted that being a Union Territory, the Delhi Police is governed by the Union Home Ministry and not the Delhi government. Delhi Chief Minister Atishi Marlena took to X stating that BJP was ‘nervous’ for the upcoming Delhi Assembly election in 2025. “Today in broad daylight, a BJP worker attacked Kejriwal-ji. The BJP is feeling very nervous about losing the Delhi elections for the third time. Delhi people will take revenge for such cheap acts. Last time they got eight seats, this time Delhi people will give zero seats to BJP,” her X post read. आज दिन दहाड़े भाजपा के कार्यकर्ता ने @ArvindKejriwal जी पर हमला किया। दिल्ली का चुनाव तीसरी बार हारने की बौखलाहट भाजपा में दिख रही है। भाजपा वालों: दिल्ली के लोग ऐसी घटिया हरकतों का बदला लेंगे। पिछली बार 8 सीटें आयीं थी, इस बार दिल्ली वाले भाजपा को ज़ीरो सीट देंगे pic.twitter.com/LgJGN1aQ0T Delhi minister Saurabh Bharadwaj alleged the attacker wanted to set Kejriwal afire after throwing spirit on him. In a post on X, Bharadwaj also alleged that the attacker was connected with the BJP. “एक हाथ में स्पीरिट और दूसरे हाथ में माचिस... आज अरविंद केजरीवाल को ज़िंदा जलाने की कोशिश की गई... वे जब से पदयात्रा कर रहे हैं, भाजपा को नींद नहीं आ रही है... आरोपी, नरेंद्र मोदी, योगी, संगीत सोम आदि को फॉलो करता है. इसके fb पर BJP का id card भी है” – PC में मंत्री @Saurabh_MLAgk pic.twitter.com/5AVjqzqe2d On Saturday evening, Kejriwal was greeting people standing behind a cordon when the man approached him and splashed some liquid on him, following which the security personnel swiftly overpowered him. Kejriwal and the security personnel accompanying him were later seen wiping their faces. “A man threw spirit on him (Kejriwal). We could smell it. And there was an attempt to burn him (Kejriwal) alive. “The man was carrying spirit in one hand and a matchbox in the other hand. He threw spirit that fell on Kejriwal and me... but he could not start the fire. Our alert volunteers and the public caught him,” Bharadwaj claimed in a press conference.

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