FX Excursions

FX Excursions offers the chance for once-in-a-lifetime experiences in destinations around the world.
Turkish Airlines
December 2019
Transcend Cruise
December 2019
Dec 13, 2019

Ups and Downs

THE FEDERAL FUNDS RATE is the interest rate targeted by the Federal Reserve. It is the interest rate banks charge each other for overnight loans. After the recent cut on Oct. 30, 2019, the third cut this year, the rate will hover between 1.5 percent and 1.75 percent. The federal funds rate is not the rate used by banks for lending to individuals and businesses; that is the prime interest rate, currently at 4.75 percent. Since 1994 banks commonly calculate the prime interest rate as the federal funds rate plus 3 percent (in this case 1.75 percent plus 3 percent). Every U.S. bank sets its own prime rate; however, most utilize the same one.

Why Japan Is Best Explored by Sea with Princess

Japan is a destination that rewards repeat visits because no two regions — or seasons —  feel quite the same. One moment, you’re wandering through centuries-old geisha districts in Kanazawa. The next, you’re watching neon reflections dance across Tokyo streets long after midnight.

December 2019
Dec 13, 2019

Peak Performance

KEYSMART URBAN21 COMMUTER BACKPACK A stellar performer during testing by Global Traveler, the Urban21 is a tough, well- designed bag perfect for commuting and business trips. A padded laptop pocket handles 13- to 15-inch devices, but its thoughtful features, like the waterproof, easy-access pocket and the protective hard-shell compartment, make the bag stand out. Made to fit under airline seats as a personal item, the bag is perfect for carrying your tech gear and other small items you might want to access in transit. Thanks to a HexBreathe back pad, it’s comfortable even in warmer conditions, and high-quality construction makes the Urban21 feel like it should last for years. $239.99. getkeysmart.com