SAN FRANCISCO--(BUSINESS WIRE)--Nov 25, 2024-- Tonal , the world’s smartest strength training system, is making fitness more accessible by partnering with Truemed , an innovative platform that enables Health Savings Account (HSA) and Flexible Spending Account (FSA) funds to be used for health-related purchases. This collaboration enables U.S. customers to invest in the Tonal system for their home, unlocking up to 30% savings and putting proactive wellness within easier reach. This partnership highlights Tonal’s commitment to empowering individuals to integrate fitness into their lives as a key strategy for improving both physical and mental health. By leveraging Truemed’s platform, customers can seamlessly navigate the process of using their HSA/FSA benefits to prioritize their well-being, whether managing chronic health conditions or investing in preventative care. "Strength training isn’t just about building muscle—it’s about building a stronger, healthier life," said Darren MacDonald, CEO at Tonal. "Our partnership with Trumed removes barriers to accessing fitness tools, empowering people to invest in their health in a tax-efficient way and truly make strength training part of their wellness journey." The benefits of strength training are clear: A recent study from the University of Limerick and Penn State College of Medicine highlights the transformative benefits of resistance training, showing that eight weeks of consistent lifting reduced depressive symptoms as effectively as psychotherapy or medication. Tonal’s strength training system brings these benefits home with personalized, AI-driven workouts that help users build physical resilience, manage stress, reset their mood, and develop mental fortitude. How It Works The process to use HSA/FSA funds for a Tonal purchase is simple: After submission, a licensed medical provider reviews the responses. If eligible, the customer receives a Letter of Medical Necessity (LMN), allowing them to use HSA/FSA funds for their purchase. Black Friday/Cyber Monday Savings In addition to HSA/FSA eligibility, Tonal is offering a $1,000 discount through December 3. This exclusive promotion can be combined with pre-tax savings, making this the ideal time to invest in health and wellness. For more details on how to leverage Truemed HSA/FSA benefits for a T800 purchase, visit truemed.com/shop/fitness/tonal . About Tonal Tonal is the smartest, most effective strength training system in the world. Founded by Aly Orady in 2015 and headquartered in San Francisco, Tonal combines revolutionary digital weight technology with personalized, AI-powered coaching. It offers thousands of coach-led, on-demand, and live workouts across various fitness categories, including strength training, cardio, yoga, HIIT, and mobility. Tonal’s innovative system adapts to each user's fitness level, enabling them to build strength faster and push past plateaus to achieve optimal results efficiently. By delivering a comprehensive, at-home strength training experience, Tonal is redefining how people approach fitness. For more information, visit tonal.com and follow Tonal on Instagram , TikTok , Facebook , and YouTube . About Truemed Truemed enables HSA/FSA spending on health and wellness items that help treat or prevent chronic disease, from fitness systems to sleep aids. By unlocking a $140 billion fund for pre-tax health investments, Truemed is driving a shift toward proactive healthcare solutions. View source version on businesswire.com : https://www.businesswire.com/news/home/20241125845637/en/ CONTACT: Jack Taylor PR tonal@jacktaylorpr.com KEYWORD: UNITED STATES NORTH AMERICA CALIFORNIA INDUSTRY KEYWORD: TECHNOLOGY PROFESSIONAL SERVICES HEALTH MENTAL HEALTH HEALTH TECHNOLOGY HEALTH INSURANCE SOFTWARE FITNESS & NUTRITION INSURANCE HUMAN RESOURCES TELEMEDICINE/VIRTUAL MEDICINE SOURCE: Tonal Copyright Business Wire 2024. PUB: 11/25/2024 02:43 PM/DISC: 11/25/2024 02:42 PM http://www.businesswire.com/news/home/20241125845637/enCourtney 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 Work-life balance isn’t working for women. Why? Strange job alert: This California lighthouse is looking for a new keeper More than a million oven gloves are being recalled after consumers report 92 minor burns Killing of UnitedHealthcare CEO spotlights complex challenge companies face in protecting top brass US added a strong 227,000 jobs in November in bounce-back from October slowdown 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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After a far-right pro-Russia candidate secured a surprise lead in Romania's presidential election Monday, the eastern European NATO member is bracing for a high-stakes parliamentary vote on Sunday, amid fears it could bring about a strategic shift in the country. Calin Georgescu was in pole position with almost 23 percent after the first round of voting, a political earthquake in the country of 19 million people that has so far resisted nationalist appeals that have gained traction in Hungary and Slovakia. His victory ahead of centre-right mayor Elena Lasconi -- who scored 19.18 percent -- ended the hopes of Prime Minister Marcel Ciolacu to compete for the presidency in the December runoff. After coming third at 19.15, Ciolacu said his Social Democratic Party (PSD) won't challenge the narrow result, and announced his resignation as party leader. Experts say the far right's surprise success could affect the parliamentary elections later this week, and even influence the chances of forming a future government. In the runoff ballot on December 8, Lasconi will face Georgescu, a NATO critic who in the past expressed his admiration for Russian President Vladimir Putin. Georgescu's popularity surged ahead of the vote with a viral TikTok campaign calling for an end to aid for Ukraine, which shares a 650-kilometre (400-mile) border with Romania. In a first reaction on his YouTube channel, the 62-year-old independent candidate insisted "there is no East or West", stressing that neutrality was "absolutely necessary". "I am not an extremist, I am not a fascist -- I am a Romanian who loves his country," he said in reference to media reports that "tried to portray" him in a wrongful way. For his rival Lasconi, the upcoming runoff represents "an existential battle", "a historic confrontation" between those who wish to "preserve Romania's young democracy" and those who want to "return to the Russian sphere of influence". "We must not allow anger to throw us back into the past," she said to thunderous applause from her supporters, vowing to stand up for Europe and NATO. The political earthquake comes amid soaring inflation and mounting fears of Romania being potentially dragged into Russia's war in neighbouring Ukraine, as the country has emerged as a key player on the alliance's eastern flank. In Sunday's vote, another far-right contender, AUR party leader George Simion, secured nearly 14 percent. Already pounding the campaign trail for this week's parliamentary elections, Simion said Romania now has "the chance to have a sovereign government and a sovereign president". Overall, the far right won more than a third of all votes in Sunday's presidential ballot. "The far right is by far the big winner of this election," political scientist Cristian Pirvulescu told AFP, predicting a possible "contagion effect" in the parliamentary vote. Extremist forces and Lasconi's centre-right party now have "wind in their sails", sociologist Gelu Duminica said, though "it remains to be seen if they know how to capitalise" on it. The PSD, which has shaped the country's politics for more than three decades, has never before been eliminated in the first round of a presidential election. The National Liberal Party (PNL) party, with whom the PSD currently governs, also suffered a defeat. While many expressed their disbelief over the poll in the streets of the capital Bucharest, others were enthused. Maria Chis, 70, said she was surprised by Georgescu's lead in the first round but had been impressed after watching his TikTok videos. "He seems a man of integrity, serious and patriotic. He inspires seriousness. I think only someone like him can bring change," said the pensioner, who was planning to vote for him in the second round. Alex Tudose, the owner of a construction company, was gloomy. "There is sorrow, disappointment, that after so many years in Euro-Atlantic structures we voted for a pro-Russian by over 20 percent," the 42-year-old said. "There is clearly a strong fragmentation both in society and in the political class, and I think we saw that yesterday," he said. ani-anb-kym/sbkJayden Daniels and the offense stalling have the Commanders on a three-game losing streak
The Cavaliers are sitting pretty atop the NBA standings, yet somehow, Donovan Mitchell can’t seem to escape the noise. Scroll through social media, and you’ll see words like “struggling” or “slumping” tossed around about Mitchell. Really? The Cavs have the league’s best record (21-4), but some fans still want more. Here’s the big question: Does Mitchell need to drop 40 every night for people to believe he’s playing elite basketball? Let’s look at the facts, as relayed by Corey Walsh of Fear The Sword , on which this article is based. Mitchell’s counting stats are down — sure. But that’s not the whole story. Minutes Watch: Mitchell is averaging 31.9 minutes per game, his lowest mark ever. Less time on the floor equals fewer opportunities to rack up gaudy numbers. Team Ball: This season’s Cavs are a well-oiled machine. They’re not reliant on Mitchell carrying the load nightly. Need proof? Last year, the Cavs were 11-11 when Mitchell scored fewer than 25 points. This season? 11-2 in the same scenario. That’s balance, folks. Efficiency Machine: Mitchell is tied for the highest assisted rate of his career at 38%. Translation: He’s thriving off the team’s ball movement and doesn’t have to force the issue. This is a Cavs team with the most efficient offense in the league, humming along whether or not Mitchell dons his Superman cape. And when they have needed him? He’s delivered. The bottom line: Mitchell is in the middle of another All-NBA season, leading a juggernaut in the East. Nitpicking his box score feels like grasping at straws. So, to the Cavs faithful: Maybe take a moment to appreciate Mitchell’s evolution as a player and what it’s doing for the team, as Walsh wrote . After all, winning at this level doesn’t happen by accident. This article first appeared on Hoops Wire and was syndicated with permission.
NoneIndiana tries to snap 3-game losing skid to Nebraska
