spin time casino ph Prime Minister Anthony Albanese will unveil a refreshed frontbench line-up in late January, with Bill Shorten’s exit from parliament opening the door to a junior minister being promoted, months out from the next federal election. Senior government sources, who asked not to be named so they could speak freely, say Albanese is considering two options for his frontbench shake-up, with responsibility for Shorten’s former portfolios of Government Services and the NDIS to be handed on as the federal election is not due until May 2025. Anika Wells, Matt Keogh, Amanda Rishworth and Mark Butler are all being considered to assume outgoing Bill Shorten’s responsibilities. Credit: In the reshuffle, government sources said the first and more likely option was that Social Services Minister Amanda Rishworth and Health Minister Mark Butler would be handed responsibility for one of each of the portfolios, with NDIS a better fit for Rishworth as the disability agency is part of her department. This would mean the number of cabinet ministers would shrink from 23 to 22 people. The second option being considered is promoting a member of the outer ministry, with Queensland-based Aged Care and Sports Minister Anika Wells and WA-based Veterans and Defence Personnel Minister Matt Keogh considered the frontrunners. Both are in the Labor Right faction, like Shorten. Opposition Leader Peter Dutton must also replace a senior shadow minister on his frontbench after opposition Senate leader and foreign affairs spokesman Simon Birmingham announced on Thursday that he was quitting politics. The first details of how Albanese could recast his frontbench have emerged after a successful end to the parliamentary year for the government, which included the passing of 31 new laws on the final day , after months of delay and lengthy negotiations with the Coalition or the Greens and the crossbench. As parliament wound down for the year, Labor won Senate votes on housing, food prices and a ban on social media apps for under 16s, and other measures. Albanese and Treasurer Jim Chalmers have to release a mid-year budget update before Christmas that could foreshadow more cost-of-living relief, while Dutton has hinted at more detail on the opposition’s nuclear and housing policies before Christmas too. Either scenario would mean that Victoria’s influence around the cabinet table would be reduced with Shorten’s exit, but Labor hopes to gain seats in Queensland and hold on to the swag of seats it picked up in Western Australia in 2022. Promoting a talented new minister from Queensland or WA is seen, internally, as tactically astute and unlikely to cause a fuss, whereas promoting another NSW MP to cabinet at the expense of Victoria would likely put noses out of joint. Shorten’s combined portfolios of the NDIS and Government Services were given to him when Labor won government as he had been one of the disability insurance scheme’s earliest champions. He had also been a frontrunner in pursuing and supporting the robo-debt royal commission, which made Government Services a natural fit. The government sources said the prime minister would ponder the changes during a short Christmas break. Dutton, like Albanese, is expected to be back at work by early January as both men gear up for what is widely expected to be a close election in which a hung parliament is considered a distinct possibility given the size of the crossbench. Both leaders are also planning, at this stage, to make major policy announcements in the second half of January, with a prime ministerial appearance at the National Press Club around Australia Day pencilled in and some members of both main parties anticipating an election to be called days later, though Albanese has indicated he is leaning towards May. The most recent Resolve Political Monitor conducted for this masthead in early November showed the opposition’s primary vote had risen by one percentage point to 39 per cent, while Labor’s held steady at 30 per cent. These primary votes would deliver either major party, at best, a razor-thin majority in the next parliament. While Dutton will feel the loss of Birmingham, a former finance, education, trade and tourism minister at various times under Scott Morrison and Malcolm Turnbull, the need to replace a foreign affairs spokesperson heading into a domestic political campaign is less urgent. While Liberal deputy leader Sussan Ley and shadow cabinet ministers Jane Hume, James Paterson and Dan Tehan have all been put forward as possible replacements for Birmingham , moving shadow ministers from domestic portfolios months out from an election could disrupt the shadow expenditure review committee process that is now working on election policies. Another option would be for Dutton to take the portfolio in a caretaker capacity, or for former shadow cabinet minister Julian Leeser to be returned to the frontbench while former ambassador and foreign policy wonk Dave Sharma would be handed an assistant role. Cut through the noise of federal politics with news, views and expert analysis. Subscribers can sign up to our weekly Inside Politics newsletter .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.

Daily Post Nigeria LaLiga: Hansi Flick explains why Barça lost 2-1 to Las Palmas Home News Politics Metro Entertainment Sport Sport LaLiga: Hansi Flick explains why Barça lost 2-1 to Las Palmas Published on November 30, 2024 By John Owen Nwachukwu Barcelona boss Hansi Flick has revealed why his side were beaten 2-1 by Las Palmas in La Liga on Saturday. The German expressed his concerns about his team’s current situation after the shock defeat. Barcelona suffered defeat at home and are now three La Liga games without a win. Sandro Ramirez put the visitors in front in the 49th minute before Raphinha leveled for Barcelona in the 61st-minute. Just six minutes later, Barcelona were punished when Portuguese attacker Fabio Silva struck the winner. It’s a worrying period for the Catalan giants after such a scintillating start to life under Flick. Real Madrid will close the gap in La Liga table to just one point if they come out victorious on Sunday. Flick gave a grim verdict of Barca’s struggles and pinpointed what had led to their slump. The German coach told reporters after the game: “When we control games, we can play well and create chances. “When we don’t, we have a problem. Before, it was easy to create chances and score goals, but now it’s not like that.” Related Topics: barca Hansi Flick LaLiga Las Palmas Don't Miss NPFL: Lobi Stars pip Kwara United, Insurance win at home You may like LaLiga: Ancelotti hints at new positions for Vinicius Jr, Mbappe LaLiga: Real Madrid president, Perez in showdown talks with Ancelotti over poor form LaLiga: Sadiq demands more playing time at Real Sociedad LaLiga: People don’t speak of him – Mbappe names very important Real Madrid player LaLiga: He’s in an extraordinary form – Ancelotti glad to have striker back to Real Madrid squad LaLiga: Messi gives verdict on Barcelona under Hansi Flick Advertise About Us Contact Us Privacy-Policy Terms Copyright © Daily Post Media Ltd

Billboard magazine issued an apology to Taylor Swift following the inclusion of a clip of a naked wax figure of her in a video celebrating her achievement, reported Huffpost. According to Huffpost, the video which eventually highlighted Taylor Swift's career ups and downs featured a footage from Kanye West 's 2016 music video for ‘Famous’ where Taylor Swift's wax figure is shown alongside other nude celebrity figures. Billboard eventually acknowledged the clip was inappropriate and stated, ‘We are deeply sorry to Taylor Swift and all of our readers and viewers that in a video celebrating Taylor Swift’s achievements, we included a clip that falsely depicted her’. Also Read : Manchester City vs Liverpool live streaming: Prediction, kick off time, where to watch The inclusion of the clip eventually sparked outrage among Taylor Swift's fans, who viewed it as a cruel reminder of how women's bodies are often objectified, asserted Huffpost. Writer Sarah Manavis severely criticized the video as ‘repulsive’ while arguing that it undermined the intent to celebrate Taylor Swift by humiliating her instead. This incident also highlights the ongoing tension between Taylor Swift and Kanye West which actually stems from their long-standing feud that began in the year 2009 when Kanye West interrupted her acceptance speech at the MTV VMAs, noted Huffpost. In previous statements also, Taylor Swift has expressed feelings of being bullied and manipulated by Kanye West and his associates. 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Billboard magazine issued an apology to Taylor Swift following the inclusion of a clip of a naked wax figure of her in a video celebrating her achievement. How did eminent writer Sarah Manavis criticize the recent video of Taylor Swift by Billboard magazines? Writer Sarah Manavis severely criticized the video as ‘repulsive’ while arguing that it undermined the intent to celebrate Taylor Swift by humiliating her instead. (You can now subscribe to our Economic Times WhatsApp channel )‘We didn’t have a good day’: Greens set to suffer significant election losses

Nearly all of the 74 workers at Acrylicos Vallejo have gone on an indefinite strike. The popular Spanish paint company — which produces their Game Color and Model Color lines most popularly used in miniature painting and wargaming — first announced a partial strike in late November, but escalated earlier this week when they claimed Acrylicos Vallejo’s ownership would not negotiate with workers. According to a statement made on Bluesky by Catalonian labor organization CGT, the demands of the striking employees are threefold: a wage increase, an improvement of safety conditions, and protocols to handle workplace harassment. Incorporated in New Jersey in 1965, Acrylicos Vallejo moved to Barcelona, quickly becoming a major player in the European art scene for their vibrant and extensive color range before establishing themselves as a staple in the world of wargaming and miniatures. It currently distributes paints to over 55 countries across the globe. Following a trend of private capital consolidation, private equity firm Proa Capital purchased a majority stake in Acrylicos Vallejo for just under $53 million in December 2023. The worker’s strike comes in a parallel wave of global labor actions in nearly every sector including entertainment and gaming , most demanding higher wages and more protections in their respective industries. According to a statement by the CGT given to YouTuber Hellstorm Wargaming , workers at the Catalonian factory currently make around the Spanish minimum wage. Earlier this year, the Spanish Council of ministers raised the country’s minimum wage to €37.8 (just under $40) a day, or just over €1,134 ($1,200) a month — a roughly 50% increase from Spain’s minimum wage in 2018. Representatives from the CGT claim executive pay continues to grow with increased profits as employee wages stay stagnant. Workers are also calling for an improvement of safety conditions in the factory, which they allege to be in a “deplorable state.” In their statement they claim “Some parts of the ceiling have fallen, luckily without injuring anyone. There are outdated machines with no maintenance. To give you an idea, some machines had to be repaired by putting in brackets to keep them together.” Their final demand relates to workplace harassment, which they claim the company has no protocols to handle. “There are executives in the company who are professionals in workplace harassment, and have dedicated themselves to harassing and making workers’ lives impossible,” the CGT spokesperson alleged. Striking workers have not explicitly called for a boycott of Acrylicos Vallejo, but said “if you are considering not buying any more products until the strike is over, it will be a good way to put pressure on the company.” Many of the public responses to their strike announcement on social media have stated a refusal to purchase the company’s products until the demands are met. Acrylicos Vallejo has not made a public statement regarding the strike. Polygon did not immediately receive a response to a request for comment, and will update this article if one is provided. Gaming News Tabletop Games

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