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'Very disturbing': Deepfake videos appear to target Canadian immigrants for thousands of dollarsYou can plan early and make use of digital tools to lock in your preferred exchange rates A desire to travel amid financial concerns has led Singaporeans to adopt smarter budgeting strategies, says an expert. For public relations professional Gretchen Lee, travel – be it solo or with friends – is not a luxury but a priority. She packs her bags and jets off to another destination every three months. The 33-year-old is already eyeing four trips next year: Two longer holidays lasting up to two weeks each and two quick weekend getaways. How does she afford to do so? Ms Lee, who declines to share her monthly income, sets aside about $9,000, inclusive of flights and accommodation, for her trips annually. She also does not spend on luxury items. “I’d much rather spend (the money) on things like good food, travelling or attending concerts.” Her method is practical: After trips, she cuts back on expenses to rebuild her travel fund. “I eat cheaply for a couple of months, avoid unnecessary purchases, and consciously skip cab rides in favour of public transport.” These little changes help her save up for the next holiday without feeling like she’s sacrificing too much, Ms Lee explains. Hungry for travel Despite finances being the top concern for 73 per cent of Singapore residents, travel remains a priority, suggests findings from UOB’s Asean Consumer Sentiment Study 2024. Their other concerns were work-related matters (56 per cent), health and well-being (38 per cent) and geopolitical tensions (38 per cent). The majority (83 per cent) of Singapore respondents took at least one leisure trip abroad in the past year – whether with friends, family, or by themselves. Conducted online in June, the regional study polled 5,000 participants aged 18 to 65 from Indonesia, Malaysia, Singapore, Thailand and Vietnam. Ms Lee is not alone. “Post-pandemic, the desire to travel has remained robust as people prioritise experiences, family connections, and mental well-being,” says Ms Choo Wan Sim, head of Personal Financial Services, TMRW Digital, UOB. But how they’re travelling is changing. Ms Choo observes that Singaporeans are becoming savvier when it comes to travel budgeting. For example, they are opting for budget airlines, hunting for travel deals, or taking shorter, more frequent trips. What are some easy ways to save money when travelling? One of the simplest ways to stretch your travel budget is to take advantage of the many promotions and discounts available, says UOB’s Ms Choo. Yet, many travellers miss out simply because they don’t take the time to look for these cost-saving opportunities. Planning early is key. She advises travellers to keep an eye out for flight and hotel deals, and pre-purchase essentials like attraction tickets, transport passes, or eSIMs on travel platforms like Klook. Embedded SIM cards, better known as eSIMs, are digital versions of physical SIM cards. For UOB customers, the Rewards+ platform on the UOB TMRW mobile application offers a one-stop solution with over 1,000 regional deals, Ms Choo says. These include deals and digital coupons from popular merchants such as dessert cafe After You in Thailand and eatery Oriental Kopi in Malaysia. Ms Choo notes that the platform’s popularity has surged, citing a nearly 20 per cent year-on-year increase in the number of UOB customers using the Rewards+ platform to search for deals. A strong exchange rate can make a big difference to your spending power abroad, says Ms Choo. For example, the Japanese currency hit a record low of about 120 yen against the Singapore dollar in July. But travellers may have missed the chance to lock in the favourable rate as they were unaware that they could use multi-currency cards and digital wallets such as YouTrip and Wise to do so, she says. “UOB FX+ is another multi-currency product that makes it easier for travellers to monitor and act on favourable exchange rates,” Ms Choo adds. Using the UOB TMRW app, users can set alerts for their preferred exchange rates, convert currencies ahead of time, and use the UOB FX+ debit card to spend or withdraw cash in their destination country. The service has seen a surge in uptake this year, with over $1 billion in currency conversions on the UOB TMRW app from January to October 2024. This is nearly three times more than the same period last year. Unexpected costs can quickly derail a holiday budget, especially when common expenses are overlooked, Ms Choo says. This includes failing to account for daily transport costs and seasonal price increases during peak travel periods. To avoid such pitfalls, she advises travellers to do careful research ahead of the trip. Ms Lee, who describes herself as a planner at heart, agrees. “I book transportation, accommodation, and activities – like concerts or theme parks – as early as possible. (This way), I know how much I’ll be spending on the trip.” It also helps ensure a more accurate budget and avoid the stress of last-minute expenses, she explains. Related stories What are some tools that can help maximise your travel spending? Beyond searching for deals, savvy travellers like Ms Lee make use of credit card rewards to reduce costs while enhancing travel experiences. For example, she uses a credit card that allows her to customise the rewards category based on her needs. When Ms Lee is not travelling, the self-proclaimed foodie uses the food and beverage category. This enables her to redeem her credit card rewards at her favourite restaurants. But when a trip is on the horizon, Ms Lee switches gears. “(On my banking app), I can easily shift the category from dining to travel to consolidate all my upcoming holiday purchases, including flight and hotel bookings,” she explains. This allows her to earn up to 10 air miles per dollar. Ms Lee is also intentional about her overseas spending. On a June trip to Japan, she stocked up on clothing from Japan brand Uniqlo. “The haul would have easily cost at least 20 to 30 per cent more if I had bought the same, or similar, items in Singapore,” Ms Lee says. UOB’s Ms Choo has more tips for stretching travel dollars. “When overseas, travellers can accelerate their rewards by opting for cards like the UOB PRVI miles card, which offers up to three miles per dollar on overseas spending,” she says. “Multi-currency cards that charge zero foreign currency transaction fees are (also) useful for saving on conversion costs.” One example, Ms Choo says, is the UOB FX+ debit card that now offers 3.25 per cent cashback on all foreign currency spend, with no cashback cap, until Dec 31. Rethink Your Wealth is a series that provides practical insights and answers on wealth-related topics, to help you transform the way you approach finances. This is the eighth of a nine-part series in partnership with Please note that the views expressed in this article do not represent financial, investment or legal advice. Join ST's Telegram channel and get the latest breaking news delivered to you. Read 3 articles and stand to win rewards Spin the wheel now

New study shows voting for Native Americans is harder than everOusted Syrian leader Assad flees to Moscow after fall of Damascus, Russian state media say DAMASCUS, Syria (AP) — Russia media say ousted Syrian leader Bashar Assad has fled to Moscow and received asylum from his longtime ally. The reports came hours after a stunning rebel advance swept into Damascus to cheers and ended the Assad family’s 50 years of iron rule. Thousands of Syrians poured into streets echoing with celebratory gunfire, joyful after a stifling, nearly 14-year civil war. But the swiftly moving events raised questions about the future of the country and the wider region. The rebels face the daunting task of healing bitter divisions in a country still split among armed factions. One rebel commander said “we will not deal with people the way the Assad family did." The fall of Bashar Assad after 13 years of war in Syria brings to an end a decades-long dynasty BEIRUT (AP) — Syrian President Bashar Assad has fled the country. Assad’s departure on Sunday brings to a dramatic close his nearly 14-year struggle to hold onto power in a brutal civil war that became a proxy battlefield for regional and international powers. Assad’s exit stood in stark contrast to his first months as Syria’s unlikely president in 2000, when many hoped he would be a young reformer after three decades of his father’s iron grip. But faced with protests of his rule that erupted in March 2011, Assad turned to his father's brutal tactics to crush dissent. A long stalemate was quickly broken when opposition groups in northwest Syria launched a surprise offensive late last month. Who is Abu Mohammed al-Golani, the leader of the insurgency that toppled Syria's Assad? BEIRUT (AP) — Abu Mohammed al-Golani, the militant leader who led the stunning insurgency that toppled Syria’s President Bashar Assad, has spent years working to remake his public image and that of his fighters. He renounced longtime ties to al-Qaida and depicts himself as a champion of pluralism and tolerance. The extent of that transformation from jihadi extremist to would-be state builder is now put to the test. The 42-year-old al-Golani is labeled a terrorist by the United States. He has not appeared publicly since Damascus fell early Sunday. But he and his insurgent force, Hayat Tahrir al-Sham, stand to be a major player in whatever comes next. Trump says he can't guarantee tariffs won't raise US prices and won't rule out revenge prosecutions WASHINGTON (AP) — Donald Trump says he can’t guarantee his promised tariffs on key U.S. foreign trade partners won’t raise prices for American consumers. And he's suggesting once more that some political rivals and federal officials who pursued legal cases against him should be imprisoned. The president-elect made the comments in a wide-ranging interview with NBC’s “Meet the Press” that aired Sunday. He also touched on monetary policy, immigration, abortion and health care, and U.S. involvement in Ukraine, Israel and elsewhere. Trump often mixed declarative statements with caveats, at one point cautioning “things do change.” The hunt for UnitedHealthcare CEO's elusive killer yields new evidence, but few answers NEW YORK (AP) — Police don’t know who he is, where he is, or why he did it. As the frustrating search for UnitedHealthcare CEO Brian Thompson’s killer got underway for a fifth day Sunday, investigators reckoned with a tantalizing contradiction: They have troves of evidence, but the shooter remains an enigma. One conclusion they are confident of, however: It was a targeted attack, not a random one. On Sunday morning, police declined to comment on the contents of a backpack found in Central Park that they believe was carried by the killer. Thompson was shot and killed Wednesday outside of a hotel in Manhattan. Trump calls for immediate ceasefire in Ukraine and says a US withdrawal from NATO is possible WASHINGTON (AP) — Donald Trump is pushing Russian leader Vladimir Putin to act to reach an immediate ceasefire with Ukraine. Trump describes it as part of his active efforts as president-elect to end the war despite being weeks from taking office. Trump also said he would be open to reducing military aid to Ukraine and pulling the United States out of NATO. Those are two threats that have alarmed Ukraine, NATO allies and many in the U.S. national security community. Ukrainian President Volodymyr Zelenskyy says any deal would have to pave the way to a lasting peace. The Kremlin's spokesman says Moscow is open to talks with Ukraine. Gaza health officials say latest Israeli airstrikes kill at least 14 including children DEIR AL BALAH, Gaza Strip (AP) — Palestinian health officials say Israeli airstrikes in central Gaza have killed at least 14 people including children, while the bombing of a hospital in northern Gaza has wounded a half-dozen patients. Israel’s military continues its latest offensive against Hamas militants in northern Gaza, whose remaining Palestinians have been almost completely cut off from the rest of the territory amid a growing humanitarian crisis. One airstrike flattened a residential building in the urban Bureij refugee camp Sunday afternoon. That's according to the Al-Aqsa Martyrs Hospital in the nearby city of Deir al-Balah, where the casualties were taken. South Korea's democracy held after a 6-hour power play. What does it say for democracies elsewhere? SEOUL, South Korea (AP) — A short-lived martial law decree by South Korea's leader last week raised worries about budding authoritarianism around the world. In the end, though, democracy prevailed. President Yoon Suk Yeol announced that he was declaring martial law and giving his government sweeping powers to crack down on protesters, ban political parties and control the media. Members of the military blocked lawmakers from using the legislature's constitutional power to cancel the power grab. But the National Assembly within hours unanimously voted to do so. Trump's return may be a boon for Netanyahu, but challenges abound in a changed Middle East TEL AVIV, Israel (AP) — Israeli Prime Minister Benjamin Netanyahu is jubilant about President-elect Donald Trump's return to the White House. Trump's first term policies skewed heavily in favor of Israel, and he has picked stalwart Israel supporters for key positions in his administration. But much has transpired since Trump left office in early 2021. The turmoil in the Middle East, the lofty ambitions of Netanyahu’s far-right governing coalition and Netanyahu’s own personal relationship with the president-elect could dampen that enthusiasm and complicate what on the surface looks like a seamless alliance. First 12-team College Football Playoff set, Oregon seeded No. 1 and SMU edges Alabama for last spot SMU captured the last open spot in the 12-team College Football Playoff, bumping Alabama to land in a bracket that placed undefeated Oregon at No. 1. The selection committee preferred the Mustangs (11-2), losers of a heartbreaker in the Atlantic Coast Conference title game, who had a far less difficult schedule than Alabama (9-3) of the SEC but one fewer loss. The first-of-its-kind 12-team bracket marks a new era for college football, though the Alabama-SMU debate made clear there is no perfect formula. The tournament starts Dec. 20-21 with four first-round games. It concludes Jan. 20 with the national title game in Atlanta.

NEW YORK (AP) — The man charged with killing UnitedHealthcare CEO Brian Thompson was not a client of the medical insurer and may have targeted it because of its size and influence, a senior police official said Thursday. NYPD Chief of Detectives Joseph Kenny told NBC New York in an interview Thursday that investigators have uncovered evidence that Luigi Mangione had prior knowledge UnitedHealthcare was holding its annual investor conference in New York City. Mangione also mentioned the company in a note found in his possession when he was detained by police in Pennsylvania. “We have no indication that he was ever a client of United Healthcare, but he does make mention that it is the fifth largest corporation in America, which would make it the largest healthcare organization in America. So that’s possibly why he targeted that company,” said Kenny. UnitedHealthcare is in the top 20 largest U.S. companies by market capitalization but is not the fifth largest. It is the largest U.S. health insurer. Mangione remains jailed without bail in Pennsylvania, where he was arrested Monday after being spotted at a McDonald's in the city of Altoona, about 230 miles (about 370 kilometers) west of New York City. His lawyer there, Thomas Dickey, has said Mangione intends to plead not guilty. Dickey also said he has yet to see evidence decisively linking his client to the crime. Mangione's arrest came five days after the caught-on-camera killing of Thompson outside a Manhattan hotel. Police say the shooter waited outside the hotel, where the health insurer was holding its investor conference, early on the morning of Dec. 4. He approached Thompson from behind and shot him before fleeing on a bicycle through Central Park. Mangione is fighting attempts to extradite him back to New York so that he can face a murder charge in Thompson's killing. A hearing has been scheduled for Dec. 30. The 26-year-old, who police say was found with a “ ghost gun ” matching shell casings found at the site of the shooting, is charged in Pennsylvania with possession of an unlicensed firearm, forgery and providing false identification to police. Mangione is an Ivy League graduate from a prominent Maryland real estate family. In posts on social media, Mangione wrote about experiencing severe chronic back pain before undergoing a spinal fusion surgery in 2023. Afterward, he posted that the operation had been a success and that his pain had improved and mobility returned. He urged others to consider the same type of surgery. On Wednesday, police said investigators are looking at his writings about his health problems and his criticism of corporate America and the U.S. health care system . Kenny said in the NBC interview that Mangione's family reported him missing to San Francisco authorities in November.Trump says he can't guarantee tariffs won't raise prices, won't rule out revenge prosecutionsKit Aircraft To Certification: The History Of Epic Aircraftpiranka/E+ via Getty Images As with a lot of auto tech companies, indie Semiconductor ( NASDAQ: INDI ) faced a tough 2024. The sector was highly reliant on EVs and AVs for growth, and neither segment has progressed much over the last If you'd like to learn more about how to best position yourself in undervalued stocks mispriced by the market to end November, consider joining Out Fox The Street . The service offers a model portfolio, daily updates, trade alerts and real-time chat. Sign up now for a risk-free 2-week trial to start finding the best stocks with potential to double and triple in the next few years. Stone Fox Capital (aka Mark Holder) is a CPA with degrees in Accounting and Finance. 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Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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Jon Coupal: The Gann Limit is back in the newsCalgary, Alberta–(Newsfile Corp. – December 12, 2024) – Cleantek Industries Inc. (TSXV: CTEK), a leader in innovative clean technology solutions, is pleased to announce the cash-free debt forgiveness of over 7% of its long-term debt. The debt forgiveness effort was part of a constructive negotiation with the security holder. The tranche of long-term debt, established in 2020, was used to fund a development program and equipment related to water evaporation technology. Following the program’s completion in November 2024, the remaining debt was settled through a mutual agreement. The key takeaways of this project enhance the operational understanding of our evaporation technology and will support the ongoing advancements of our DZeroE and EcoSteam technologies. Key Highlights from the Debt Forgiveness: “We remain dedicated to reinforcing our company’s core fundamentals,” stated President & CEO Riley Taggart. “This debt forgiveness is a key component of our broader strategy to fortify Cleantek’s balance sheet and position the company for sustained growth and market success. This retirement represents approximately 7.6% of our long-term debt, enabling us to achieve significant annual savings through reduced interest expenses while further strengthening our financial foundation.” About Cleantek Industries Inc.: Cleantek is an environmental technology-based company that provides specialized and fully integrated wastewater treatment and disposal equipment along with turnkey sustainable lighting rental solutions. Cleantek leverages its patented technology and industry expertise to provide equipment to service a diverse range of clientele. Cleantek prioritizes people and the environment through our high-performance safety focused culture and our experienced technical professionals are committed to providing environmentally friendly cost-effective solutions to our clients. Cleantek provides technology-based solutions for an increasingly demanding water treatment and disposal sector along with location lighting to provide safe working conditions for 24-hour operations. Cleantek provides its technology and services in some of the most active areas in Canada and the United States. Our environmental, safety and operational performance have enabled us to establish and maintain a blue-chip client base, including many exploration and production companies in North America. For Further Information: To view the source version of this press release, please visit https://www.newsfilecorp.com/release/233583 #distro

Tories urge PM to reject Netanyahu arrest warrant and alter ‘nonsensical’ stanceJimmy Carter, the 39th U.S. president who led the nation from 1977 to 1981, has died at the age of 100. The Carter Center announced Sunday that his father died at his home in Plains, Georgia, surrounded by family. His death comes about a year after his wife of 77 years, Rosalynn, passed away. The Carter Center will provide updates about ceremonies and activities to honor the life of President Carter as they become available here and soon on the official Carter Family Tribute Site ( https://t.co/Tg5UZt7kPV ). Read our statement: https://t.co/CNBUBpffPz — The Carter Center (@CarterCenter) December 29, 2024 Despite receiving hospice care at the time, he attended the memorials for Rosalynn while sitting in a wheelchair, covered by a blanket. He was also wheeled outside on Oct. 1 to watch a military flyover in celebration of his 100th birthday. The Carter Center said in February 2023 that the former president and his family decided he would no longer seek medical treatment following several short hospital stays for an undisclosed illness. Carter became the longest-living president in 2019, surpassing George H.W. Bush, who died at age 94 in 2018. Carter also had a long post-presidency, living 43 years following his White House departure. RELATED STORY: Jimmy and Rosalynn Carter: A love story for the ages Before becoming president Carter began his adult life in the military, getting a degree at the U.S. Naval Academy, and rose to the rank of lieutenant. He then studied reactor technology and nuclear physics at Union College and served as senior officer of the pre-commissioning crew on a nuclear submarine. Following the death of his father, Carter returned to Georgia to tend to his family's farm and related businesses. During this time, he became a community leader by serving on local boards. He used this experience to elevate him to his first elected office in 1962 in the Georgia Senate. After losing his first gubernatorial election in 1966, he won his second bid in 1970, becoming the state’s 76th governor. As a relative unknown nationally, Carter used the nation’s sour sentiment toward politics to win the Democratic nomination. He then bested sitting president Gerald Ford in November 1976 to win the presidency. Carter battles high inflation, energy crisis With the public eager for a change following the Watergate era, Carter took a more hands-on approach to governing. This, however, meant he became the public face of a number of issues facing the U.S. in the late 1970s, most notably America’s energy crisis. He signed the Department of Energy Organization Act, creating the first new cabinet role in government in over a decade. Carter advocated for alternative energy sources and even installed solar panels on the White House roof. During this time, the public rebuked attempts to ration energy. Amid rising energy costs, inflation soared nearly 9% annually during Carter's presidency. This led to a recession before the 1980 election. Carter also encountered the Iran Hostage Crisis in the final year of his presidency when 52 American citizens were captured. An attempt to rescue the Americans failed in April 1980, resulting in the death of eight service members. With compounding crises, Carter lost in a landslide to Ronald Reagan in 1980 as he could only win six states. Carter’s impact after leaving the White House Carter returned to Georgia and opened the Carter Center, which is focused on national and international issues of public policy – namely conflict resolution. Carter and the Center have been involved in a number of international disputes, including in Syria, Israel, Mali and Sudan. The group has also worked to independently monitor elections and prevent elections from becoming violent. Carter and his wife were the most visible advocates for Habitat for Humanity. The organization that helps build and restore homes for low- and middle-income families has benefited from the Carters’ passion for the organization. Habitat for Humanity estimates Carter has worked alongside 104,000 volunteers in 14 countries to build 4,390 houses. “Like other Habitat volunteers, I have learned that our greatest blessings come when we are able to improve the lives of others, and this is especially true when those others are desperately poor or in need,” Carter said in a Q&A on the Habitat for Humanity website. Carter also continued teaching Sunday school at Maranatha Baptist Church in his hometown well into his 90s. Attendees would line up for hours, coming from all parts of the U.S., to attend Carter’s classes. Carter is survived by his four children.