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Solar N Plus Secures Single 500MW Overseas Supply OrderGun found on suspect in killing of UnitedHealthcare CEO matches shell casings at scene, police say ALTOONA, Pa. (AP) — New York City’s police commissioner says the gun found on the suspect in the killing of UnitedHealthcare’s CEO matches shell casings found at the crime scene. Commissioner Jessica Tisch also said Wednesday that lab results matched suspect Luigi Mangione’s prints to a water bottle and a snack bar wrapper found near the scene of the killing. Police had said earlier that they believed the gunman bought the items at a nearby coffee shop while awaiting his target. Mangione is jailed in Pennsylvania on weapon and forgery charges, but he also has been charged in New York with murder in Brian Thompson's death. His lawyer has noted that Mangione is presumed innocent. Authorities are scrutinizing evidence and the suspect’s experiences with the health care industry. Arguments over whether Luigi Mangione is a 'hero' offer a glimpse into an unusual American moment Memes and online posts in support of 26-year-old Luigi Mangione, who's charged with killing UnitedHealthcare's CEO, have mushroomed online. Some cast Mangione as a hero. That's too far, says Pennsylvania Gov. Josh Shapiro, a rising Democrat who was almost the Democratic vice presidential nominee this year. CEO Brian Thompson's death touched off off these ripples. They offer a glimpse into how so many different aspects of 21st-century life can be surreally connected, from public violence to politics, from health care to humor, or attempts at it. FBI Director Wray says he intends to resign before Trump takes office in January WASHINGTON (AP) — FBI Director Christopher Wray says he plans to resign at the end of President Joe Biden’s term in January. The announcement Wednesday comes a week and a half after President-elect Donald Trump announced his intention to nominate loyalist Kash Patel for the position. His impending resignation will bring him three years short of the completion of a 10-year term during which he tried to keep the FBI out of politics even as the bureau found itself entangled in a string of explosive investigations. Trump applauded the news Wednesday, saying it will end the weaponization of what he called the “Department of Injustice.” Donald Trump will ring the New York Stock Exchange bell as he's named Time's Person of the Year NEW YORK (AP) — President-elect Donald Trump is expected to ring the opening bell at the New York Stock Exchange for the first time and be named Time magazine's Person of the Year. Thursday's events will be a notable moment of twin recognitions for Trump, a born-and-bred New Yorker who has long seen praise from the business world and media as a sign of success. Four people with knowledge of his plans told The Associated Press that Trump was expected to be on Wall Street on Thursday to mark the ceremonial start of the day's trading, while a person familiar with the selection confirmed that Trump had been selected as Time's Person of the Year. The Trump and Biden teams insist they're working hand in glove on foreign crises WASHINGTON (AP) — President-elect Donald Trump doesn’t think much of Joe Biden’s foreign policy record. He frequently casts the outgoing Democratic president as a feckless leader who shredded American credibility around the world during his four-year term. But the Trump and Biden national security teams have come to an understanding that they have no choice but to work together as conflicts in Gaza, Syria and Ukraine have left a significant swath of the world on a knife’s edge. It’s fuzzy how much common ground Biden and Trump’s teams have found as they navigate crises that threaten to cause more global upheaval as Trump prepares to settle back into the White House. Syrians flock to morgues looking for loved ones who perished in Assad's prisons DAMASCUS (AP) — Many bodies have been found in Syrian detention centers and prisons since President Bashar al-Assad's government fell. Now Syrians around the world are circulating images of the corpses in hopes that they will see slain loved ones whose fate had been a mystery. At the morgue visited by The Associated Press on Wednesday in Damascus, families flocked to a wall where some of the pictures were pinned in a haunting gallery of the dead. Relatives desperately scanned the images for a recognizable face. Some of the prisoners died just weeks ago. Others perished months earlier. US warns Russia may be ready to use new lethal missile against Ukraine again in 'coming days' WASHINGTON (AP) — The Pentagon says Russia could launch its lethal new intermediate-range ballistic missile against Ukraine again soon. Pentagon spokeswoman Sabrina Singh cited a U.S. intelligence assessment in telling reporters on Wednesday that an attack could come “in the coming days.” She says the U.S. does not consider the Oreshnik missile a game changer on the battlefield. But that Russia is using the weapon to intimidate Ukraine as both sides wrestle for an advantage that will give them leverage in any negotiations to end the war. The Russian Defense Ministry also is warning it may retaliate against Kyiv for an attack on a military base in the Rostov region in southern Russia on Wednesday. Israeli strikes on Gaza kill at least 33 including children, Palestinian medics say DEIR AL-BALAH, Gaza Strip (AP) — Palestinian medical officials say Israeli strikes on the Gaza Strip have killed at least 33 people. One of the strikes hit a home where displaced people were sheltering in the isolated north, killing 19. A separate strike outside nearby Kamal Adwan Hospital killed a woman and her two children, and another strike in central Gaza killed at least seven people. Israel's military says it tries to avoid harming civilians and accuses militants of hiding among them, putting their lives in danger. Local health officials say Israel’s retaliatory offensive after the Hamas attack on Oct. 7, 2023 has killed over 44,000 Palestinians in Gaza. Hannah Kobayashi, missing Hawaii woman whose disappearance prompted a massive search, is found safe LOS ANGELES (AP) — Hannah Kobayashi has been found safe. That’s according to the Los Angeles Police Department. Kobayashi vanished last month in Los Angeles. The missing Hawaii woman's disappearance prompted a massive search and a missing persons investigation. It was not immediately clear where she was found, but police previously said she had voluntarily crossed the border into Mexico. The LAPD said Wednesday the department will wrap up its investigation. Kobayashi's family reported her missing to law enforcement on Nov. 11 after relatives received “strange and cryptic, just alarming” text messages. Kobayashi’s mother and sister said they are “grateful” she has been found safe. Saudi Arabia will host the 2034 World Cup. But when exactly? ZURICH (AP) — Saudi Arabia scored a major win in its campaign to attract major sports events to the kingdom when it was formally appointed as the 2034 World Cup host on Wednesday. Still, many questions remain about the tournament. Key issues include during which part of the year to stage the tournament, where to play the games, whether alcohol will be allowed at all and how to protect workers rights in the massive construction projects required to host the World Cup.The Houston Texans lost their Week 12 matchup 32-27 to the Tennessee Titans. It was a surprising loss, considering Houston is viewed as a legitimate playoff contender, while Tennessee managed to earn its third win on the season on Sunday. It was a back-and-forth game throughout, with CJ Stroud playing well for the most part. However, the Titans' defense did manage to force him to throw two interceptions on the day. The 23-year-old quarterback finished the day with 247 passing yards, two touchdowns, and two interceptions while throwing a 60.6% completion percentage. Houston falls to a 7-5 record on the season and still holds a two-game lead over the second-placed Indianapolis Colts in the AFC South. Despite that, all of the attention is on Stroud after the second-year quarterback made a total blunder of a play to lose the game. Backed in his own end zone, Stroud dropped back to pass with just over a minute left to play. However, the Titans' pass rush got in the backfield and forced Stroud to scramble. While scrambling, the Texans' quarterback stepped out of the back of the end zone, resulting in a safety . Tennessee scored two points and got the ball back before kneeling out the clock. Did CJ Stroud run out the back of the end zone, or get sacked out the back or the end zone? 😳😳😳 @danorlovsky7 , obviously you are the ultimate arbitrator. pic.twitter.com/f7voVjXbiB The play is reminiscent of a safety former NFL quarterback Dan Orlovsky made during his playing days in the league. During a 2008 game between the Detroit Lions and Minnesota Vikings, Orlovsky notoriously ran out of bounds in his own end zone as the quarterback for the Lions. However, Orlovsky's mishap was noticeably worse . For Stroud, at least, it's arguable a Titans defender tackled him out of bounds. SAI Flashback: October 12, 2008 Dan Orlovsky ran out of the back of his own end zone and didn’t even realize it at first pic.twitter.com/1AWXkNmn0s Regardless, sports fans hopped on social media to point out Stroud's mistake. Many of them compared the Texans quarterback to Orlovsky's blunder from 2008. Meanwhile, others criticize Stroud for taking a step back in production during his second year in the NFL. © Troy Taormina-Imagn Images "CJ Stroud, the back of the end zone is bad!" Stated Big Cat from Barstool Sports . One fan claimed , "Dan Orlovsky will tell ya it’s not good!" "What in the world has happened to CJ Stroud....? Legit looks like an average QB at best week in and week out," claimed another fan . NFL Hall of Famer Shannon Sharpe asked , "What's happened [to] CJ Stroud? He looks and plays like a totally different player. Is it me or is he different?" "CJ Stroud turned into Dan Orlovsky before he made a second year leap," said one individual . The Texans have five games remaining on the schedule before the regular season ends. They'll be taking on the Jacksonville Jaguars in Week 13 to try and get back in the win column. Related: C.J. Stroud is grateful to have Nico Collins back from injured reserve
Our nation celebrates Thanksgiving in late November, as a nation, because of an October 1863 proclamation issued by President Abraham Lincoln. Prior to that, states celebrated on the dates of their choice. Using words you would more likely hear from a pulpit than a government leader these days, our 16th president invited his fellow citizens to set aside “a Day of Thanksgiving and Praise to our beneficent Father who dwelleth in the heavens.” History has shown Lincoln to be one of our more quotable presidents, particularly on matters involving leadership and freedom. Within weeks of his Thanksgiving proclamation, he would deliver the Gettysburg Address, with its memorable reference to “government of the people, by the people, for the people.” As the people of Washington pause to give thanks for the many blessings we have received, it’s also a good time to give credit to those who helped to make our state what it is. Some of Lincoln’s other words of wisdom lend themselves to that. Achievement has no color, Lincoln said. That would apply to familiar figures like Chief Seattle, who befriended settlers arriving in the Puget Sound area, and Centralia’s George Washington, born into slavery, who not only founded Lewis County’s largest city but kept it alive during difficult times through his courageous and compassionate leadership. It also brings in people like George Washington Bush, who became one of the first black landowners in Washington when he settled his family in Thurston County, and was also legendary for his generosity to neighbors and new settlers. Owen Bush, one of his sons, was among the most celebrated farmers in Washington. He was chosen in 1889 to serve in the first House of Representatives and would have an important role in the creation of a state agricultural college – today’s Washington State University. Lincoln also spoke multiple times about the importance of perseverance: “The occasion is piled high with difficulty, and we must rise with the occasion,” is an example. Those words and his interest in discoveries and inventions call to mind both the historical and modern trailblazers of our state, from Mother Joseph, who led the founding of hospitals and schools across Washington, to industry leaders like George Weyerhaeuser, William Boeing, John Nordstrom, and Paul Allen. In his 1863 annual address to Congress, Lincoln did not just lay out a plan for the reconstruction of the nation. He also called for welcoming those seeking to become naturalized citizens as a “source of national wealth and strength.” While they are largely nameless today, the countless people who migrated here to become Americans – in Lincoln’s time and over the next century – also had a huge part in the growth of our state. The influence of Hispanics, Ukrainians, Russians, Koreans, Chinese, Vietnamese, Japanese, Filipinos, Scandinavians, Germans, Sephardic Jews, East Indians, Eastern Europeans and others can be seen in communities throughout Washington. It should be celebrated. Also, the day after Thanksgiving is designated as a legal holiday in Washington to recognize the immeasurable contributions of Native Americans and their remarkable cultures. In fact, this is the 10th anniversary of Native American Heritage Day, which was created by a state Senate bill. Lincoln hoped he would be remembered as someone who “always plucked a thistle and planted a flower where I thought a flower would grow.” That describes some of the elected officials who should be remembered for their efforts to put our state on a better path — like the late Sen. Jeannette Hayner, the first woman to lead a house of our state Legislature, and former three-term Gov. Dan Evans, who recently passed at age 98. When Lincoln issued that first national Thanksgiving proclamation, the Civil War was just past its halfway point. Washington was only a territory, far removed from the fighting over the expansion of slavery. The issues before the territorial legislators who met in Olympia in 1863 included selecting a public printer, deciding whether legislators could grant divorces, and the proposed construction of an “adequate” wagon road between Puget Sound and Walla Walla. While those were important debates for a territory that was less than a decade old, they couldn’t compare to the strife in many of the 35 states that existed at the time of that first national Thanksgiving, Lincoln referred to the consequences of the war in his proclamation, which went on to recommend that the people “fervently implore the interposition of the Almighty hand” to do two things. The first was to heal the nation’s wounds. The second was to restore the nation to the “full enjoyment of peace, harmony, tranquility, and union.” Washington has come a very long way in the 161 years since, especially when compared to other states. For instance, U.S. News and World Report recently ranked our state eighth in the nation overall, based on scores in eight categories that include health care, education, and crime. However, it’s important to know the same publication had ranked Washington second overall in 2023. The drop in this year’s overall ranking is due largely to crime rates. Our state sank to 39th in that category for 2024, compared to 19th the previous year. In the “opportunity” category, which covers affordability along with economic opportunity, our state fell to 37th in 2024. That’s down from an already troubling 31st in 2023. In turn, “affordability” is defined by the overall cost of living and the cost of housing. In that specific category, only California, Hawaii and New Jersey ranked worse than our state. In the education category, the publication ranked Washington 13th. I believe many K-12 parents would be skeptical about that, especially those who have seen their children suffer from post-pandemic learning loss. Sure enough, a closer look shows Washington ranking 32nd for “pre-K-12” and a dismal 40th place for college readiness. To use Lincoln’s words, these examples help show where our state needs healing. Our communities have been wounded by violence and lawlessness. Our families and employers have been wounded by the high cost of living. Our children have been wounded by misguided priorities. Republicans are working on policy and budget proposals to address all of this during the 2025 legislative session, which convenes in less than two months. In the meantime, the list of blessings received by our state since that first national Thanksgiving is a long one. Let’s offer thanks and praise for it. After the results of the general election came in, I observed the voters had spoken, and it was now time to get to work. Simply healing our state will take a great deal of work. Restoring it to Lincoln’s definition — the full enjoyment of peace, harmony, tranquility and union — means reaching an even higher bar. Getting to that standard will take more leadership and vision from both sides of the political aisle than we have seen in some time. But it’s how we make our state better. ••• Sen. John Braun of Centralia serves the 20th Legislative District, which spans parts of four counties from Yelm to Vancouver. He became Senate Republican leader in 2020.
How to turn Sweeps Coins into real cash prizes: From beginner to proMoira Deeming v John Pesutto defamation case LIVE updates: Judgment set to be deliveredCatholic Archbishop of Sokoto Diocese, Bishop Matthew Kukah, criticized Nigerian leadership, describing past and present leaders, including President Bola Tinubu and Muhammadu Buhari, as unprepared and accidental He emphasized the need for knowledge-based governance, highlighting that many leaders assumed office without being fully prepared for the evolving demands of leadership Kukah's remarks were made during his keynote address at the official commissioning of Start-Rite School’s new building and the 4th Amaka Ndoma-Egba Memorial Lecture in Abuja PAY ATTENTION: Got a Minute? Complete Our Quick Survey About Legit.ng Today! Catholic Archbishop of Sokoto Diocese, Bishop Matthew Kukah, delivered a scathing critique of Nigerian leadership on Sunday, describing President Bola Tinubu, his predecessor Muhammadu Buhari, and other previous heads of state as leaders who found themselves in power by accident. Kukah made these remarks during his keynote address at the official commissioning of Start-Rite School’s new building and the 4th Amaka Ndoma-Egba Memorial Lecture in Abuja . Unprepared Leaders Bishop Kukah emphasized that it was evident none of these leaders were fully prepared before assuming office, especially in a world where the demands of leadership are rapidly evolving. Read also Obasanjo identifies "great monster" still battling Nigeria PAY ATTENTION: Legit.ng Needs Your Help! Take our Survey Now and See Improvements at LEGIT.NG Tomorrow He lamented that the fundamental element missing in Nigerian leadership is knowledge. "If we are to start from the beginning, you will find that almost every leader who came to power in Nigeria did so as a result of one accident or another," Kukah stated. Historical Context Kukah provided a historical context to his argument, highlighting the accidental nature of leadership transitions in Nigeria . He noted that President Tinubu , who claimed to be prepared for the role, is struggling to get off the ground. "Tinubu took over from Buhari, who had already given up. Buhari succeeded Jonathan, who thought he would retire after being deputy governor but was thrust into power by circumstances. "Jonathan succeeded Yar’Adua, who had planned to return to teaching at Ahmadu Bello University after his governorship. Yar’Adua, in turn, succeeded Obasanjo, who was unexpectedly released from prison to become president." Call for Knowledge-Based Governance Read also 2027 presidency: Kwankwaso reacts as ACF dumps Tinubu, declares support for northern politicians Kukah stressed that while the world has changed, the expectations of leadership have not. He expressed concern that democracy appears to be malfunctioning under successive administrations, despite the nation’s embrace of the democratic principle of ‘one man, one vote.’ "The fundamental issue in governance is knowledge. Leaders need a deep understanding of their environment," Kukah asserted. Kukah Reacts to Parties' Refusal to Sign Peace Accord Meanwhile, Legit.ng earlier reported that the Bishop of the Catholic Diocese of Sokoto , Matthew Hassan-Kukah, has expressed concern over the failure of political parties and their candidates to sign the Peace Accord ahead of the September 21, 2024, Edo State gubernatorial election. The bishop’s comments come at a critical time as Edo State prepares for one of the most closely watched elections in recent history, with the eyes of both citizens and international observers firmly on the state. PAY ATTENTION : Legit.ng Needs Your Opinion! That's your chance to change your favourite news media. Fill in a short questionnaire Source: Legit.ngWild trend turning Aussies into millionaires
International Civil Aviation Day aims to raise global awareness of the importance of international civil aviation to the social and economic development of states, as well as ICAO’s unique role in fostering cooperation and establishing a global, rapid transit network for the benefit of all. With the adoption of Agenda 2030 by the UN and nations worldwide, a new era in global sustainable development has begun. In this context, the role of aviation as a key driver of global connectivity is more crucial than ever, aligning with the Chicago Convention’s objectives to view international flight as a fundamental enabler of global peace and prosperity. In 1996, the United Nations General Assembly declared 7 December to be International Civil Aviation Day. The day has been celebrated by the International Civil Aviation Organization (ICAO) since 7 December 1994, marking the 50th anniversary of the signing of the Convention on International Civil Aviation. Every five years, coinciding with ICAO anniversaries, the ICAO Council establishes a special theme for the celebration of International Civil Aviation Day. In the years between these anniversaries, the Council selects a single theme to cover the entire four-year period. The Council has decided that the theme for the period leading up to 2023 will be: ‘Advancing Innovation for Global Aviation Development.’ Aviation is a mode of transportation that enables people to travel quickly between locations. As technology continues to evolve, advancements in aviation must be implemented for the benefit of people worldwide. As a developing country, Myanmar allocates its budget to upgrading airports and aviation facilities, with the private sector also working to enhance aviation services for the public. The government’s aviation services include air traffic control, navigation, and airport services for international flights. As a result, government organizations are striving to provide better services and facilities for both domestic and international flights. In today’s technological era, everyone must enjoy fundamental human rights. No one has the authority to infringe upon the rights of others. People around the world must unite in solidarity, offering support to one another in overcoming challenges, particularly in the transportation sector. Myanmar, for its part, has always refrained from any destructive actions in aviation services and remains ready to assist other countries by providing aviation support for disaster relief. To date, Myanmar and its neighbouring countries continue to cooperate in maintaining aviation services for their people, contributing to the global development of aviation.‘It’s a great week for us’ – Win over Kosovo boosts Ireland’s Basketball World Cup hopes
PARIS (Reuters) -Leaders Paris St Germain beat Toulouse 3-0 in Ligue 1 on Friday as the Parisians remained unbeaten in their domestic campaign following goals by Joao Neves, Lucas Beraldo and Vitinha. Neves put the hosts in front in the 35th minute with a volley from the edge of the area, before Beraldo doubled the lead with first touch late in the second half and substitute Vitinha sealed the win in stoppage time. PSG top the French top flight with 32 points, six ahead of second-placed AS Monaco who beat Brest 3-2 earlier on Friday. With their fifth consecutive win, PSG are one of the three teams among the European top five leagues that remain undefeated this season alongside Bundesliga leaders Bayern Munich and Juventus, currently sixth in Serie A. PSG, who travel to Bayern in the Champions League on Tuesday, started off cautiously against Toulouse, who handed the Parisians their only defeat in their previous 40 Ligue 1 games. League's top scorer Bradley Barcola was denied a good opportunity by Toulouse goalkeeper Guillaume Restes, an attempt that came one minute before Neves opened the scoring, netting a neat weighted pass from Achraf Hakimi low inside the left post. Hakimi had a chance of his own from a distance as PSG continued to dominate the possession after the restart, but Restes parried his shot above the bar. Warren Zaire-Emery then thought he doubled the lead for the hosts in the 54th minute, a goal that was ruled out for offside after a lengthy VAR review. Toulouse struggled to capitalise on the few chances that came their way, with substitute Shavy Babicka firing over the bar from close range minutes after entering the pitch. Beraldo, however, added a second in the 84th minute, scoring from around the penalty spot for his first goal of the season after he landed a rebound, before Vitinha netted a precise cross from fellow substitute Randal Kolo Muani to seal the points. Following their 1-0 win over Lens on Nov. 2, PSG have now kept two consecutive clean sheets at home in Ligue 1 for the first time in a year. They next host Nantes on Nov. 30. Toulouse, who are 10th on 15 points, welcome Auxerre on Dec. 1. (Reporting by Anita Kobylinska in Gdansk, editing by Pritha Sarkar)
This week, an initiative aimed at making it easier to become Swiss cleared the 100,000 signature hurdle required to qualify for a referendum, reported RTS. Switzerland is one of the most difficult places to gain citizenship. The referendum, for which 104,603 valid signatures were collected, aims to make naturalisation easier in several ways. Currently, there is a 10-year residence requirement, the last 5 of which must have been on a C-permit. The initiative wants this cut to 5 years on any permit. It also wants to remove other requirements, such as evidence of integration and the requirement to not have received welfare in the years preceding an application for citizenship. Other requirements, such as mastering the local language and not having a criminal record, would remain but be applied less strictly. Language requirements would be lowered to a basic level and only crimes that result in long prison sentences would be considered when disqualifying someone from citizenship. Non citizens are largely excluded from voting. Some exceptions allow some to vote at a municipal level. The vote organisers point out that around a quarter of Switzerland’s population are not Swiss. Excluding such a significant part of the population from the democratic process is undemocratic. Swiss citizens on the other hand get to decide on issues that sometimes specifically affect non-Swiss residents. The initiative’s website sets out the arguments of the organisers in more detail.Assad’s secret police arrested and tortured me four times. My crime? I had same name as a wanted man
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.
NEW YORK, Dec. 13, 2024 (GLOBE NEWSWIRE) -- WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of securities, including call options, of Five9, Inc. (NASDAQ: FIVN) between June 4, 2024 and August 8, 2024, both dates inclusive (the “Class Period”), of the important February 3, 2025 lead plaintiff deadline. SO WHAT: If you purchased Five9 securities during the Class Period you may be entitled to compensation without payment of any out of pocket fees or costs through a contingency fee arrangement. WHAT TO DO NEXT: To join the Five9 class action, go to https://rosenlegal.com/submit-form/?case_id=32046 or call Phillip Kim, Esq. toll-free at 866-767-3653 or email case@rosenlegal.com for information on the class action. A class action lawsuit has already been filed. If you wish to serve as lead plaintiff, you must move the Court no later than February 3, 2025. A lead plaintiff is a representative party acting on behalf of other class members in directing the litigation. WHY ROSEN LAW: We encourage investors to select qualified counsel with a track record of success in leadership roles. Often, firms issuing notices do not have comparable experience, resources, or any meaningful peer recognition. Many of these firms do not actually litigate securities class actions, but are merely middlemen that refer clients or partner with law firms that actually litigate the cases. Be wise in selecting counsel. The Rosen Law Firm represents investors throughout the globe, concentrating its practice in securities class actions and shareholder derivative litigation. Rosen Law Firm achieved the largest ever securities class action settlement against a Chinese Company at the time. Rosen Law Firm was Ranked No. 1 by ISS Securities Class Action Services for number of securities class action settlements in 2017. The firm has been ranked in the top 4 each year since 2013 and has recovered hundreds of millions of dollars for investors. In 2019 alone the firm secured over $438 million for investors. In 2020, founding partner Laurence Rosen was named by law360 as a Titan of Plaintiffs’ Bar. Many of the firm’s attorneys have been recognized by Lawdragon and Super Lawyers. DETAILS OF THE CASE: According to the lawsuit, during the Class Period, defendants made false and/or misleading statements and/or failed to disclose that: (1) Five9’s net new business was not “strong irrespective of the macro” and was, in fact, hampered by macroeconomic issues such as constrained and scrutinized customer budgets; (2) Five9 was in the midst of a challenging bookings quarter due, in part, to sales execution and efficiency issues, and Five9 was not “seeing very strong bookings momentum”; and (3) defendants did not have “enough information in terms of [their] existing customers that are going live” such that the statements that Five9 would see a positive inflection in its dollar-based retention rate lacked a reasonable basis. When the true details entered the market, the lawsuit claims that investors suffered damages. To join the Five9 class action, go to https://rosenlegal.com/submit-form/?case_id=32046 or call Phillip Kim, Esq. toll-free at 866-767-3653 or email case@rosenlegal.com for information on the class action. No Class Has Been Certified. Until a class is certified, you are not represented by counsel unless you retain one. You may select counsel of your choice. You may also remain an absent class member and do nothing at this point. An investor’s ability to share in any potential future recovery is not dependent upon serving as lead plaintiff. Follow us for updates on LinkedIn: https://www.linkedin.com/company/the-rosen-law-firm , on Twitter: https://twitter.com/rosen_firm or on Facebook: https://www.facebook.com/rosenlawfirm/ . Attorney Advertising. Prior results do not guarantee a similar outcome. ------------------------------- Contact Information: Laurence Rosen, Esq. Phillip Kim, Esq. The Rosen Law Firm, P.A. 275 Madison Avenue, 40th Floor New York, NY 10016 Tel: (212) 686-1060 Toll Free: (866) 767-3653 Fax: (212) 202-3827 case@rosenlegal.com www.rosenlegal.com
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