2013년 11월 24일 일요일

About 'us currency exchange rate'|$US-AUD Exchange Rate vs Balance of Trade







About 'us currency exchange rate'|$US-AUD Exchange Rate vs Balance of Trade








If               you               travel               across               borders,               you'll               need               to               exchange               your               U.S.

dollars               for               the               foreign               currency               of               the               country               you're               visiting.

When               you               come               back,               you'll               exchange               any               excess               currency               back               into               U.S.

dollars               again.

This               can               be               an               expensive               addition               to               the               cost               of               your               trip,               if               not               done               properly.

For               example,               if               you               just               go               to               your               bank               and               exchange               $1000               for               Euros               today,               you'll               lose               about               7%               to               9%               to               the               bank's               bid/ask               system               and               fees.

If               you               return               and               exchange               some               of               it               back               to               dollars               in               that               same               bank,               you'll               lose               another               7               to               9%,               essentially               giving               the               bank               up               to               $180               of               your               money.
               The               bid               /               ask               system               simply               means               there               are               2               prices:               one               for               buyers               and               one               for               sellers.

If               the               quote               for               US               Dollars               vs.

Swiss               Francs               is               1.1005               /               1.1510,               it               means               that               you               can               get               about               $1.10               in               Swiss               currency               for               each               1               USD,               and               you               can               sell               them               back               for               a               cost               of               $1.15.

$1000               transferred               into               Swiss               Francs               would               get               you               $1,1005               francs,               and               selling               back               those               1,1005               francs               would               get               you               $955               US               Dollars.

Exchanging               currency               can               be               costly.

Here               are               some               tips               to               help               reduce               the               cost               of               exchanging               foreign               currency               when               traveling.
               Use               your               ATM               card               when               you               land               in               your               new               country.

This               should               be               an               ATM               debit               card               and               not               a               credit               card.

The               ATM               fees               will               be               high,               but               the               exchange               rate               will               be               much               better.

Find               the               maximum               you               can               take               out               and               take               it.

Most               countries               allow               about               $750               per               day,               but               it               also               depends               on               your               bank.

You'll               pay               about               $5               in               ATM               fees,               but               you'll               save               more               than               $35               in               the               exchange               rate               (on               $750),               as               interbank               rates               for               electronic               transfers               are               the               best               rates.

Large               banks,               such               as               BOA               and               Citibank               charge               about               $8               plus               1%,               so               avoid               using               those               cards.

Look               around               for               a               bank               with               low               fees.
               Restrict               your               credit               card               use!

The               fees               are               exorbitant               You               can               pay               as               much               as               $25               in               exchange               fees               for               just               a               $30               purchase.

You've               almost               double               the               item's               cost.

You               won't               see               this               fee               until               you               get               back               home,               and               what               a               shock               you'll               find.

Only               use               credit               cards               for               your               hotel,               and               pay               for               this               from               the               US,               if               possible.

If               it's               a               hotel               chain,               such               as               Marriott,               book               the               room               from               their               US               office               and               pay               with               your               credit               card.

Everything               else               on               your               trip               should               be               paid               in               cash.
               Never               exchange               foreign               currency               at               your               local               home               bank               in               the               US.

It's               the               worse               rate               around.

Most               US               banks               have               higher               fees               and               the               worst               exchange               rates               in               the               world.
               Never               exchange               at               your               hotel,               as               most               hotels               also               have               a               bad               exchange               rate.

They               are               in               the               hotel               business,               not               the               foreign               exchange               business.

Also,               try               to               avoid               exchanging               money               at               the               airport.

The               rate               at               the               airport               won't               be               as               good               as               in               the               city.

If               you               do               need               to               exchange               cash               currency,               look               for               a               bank               downtown               in               the               city               where               you're               staying.

Many               Asian               cities               also               have               reputable               "money               changers"               with               small               offices.

These               have               the               most               competitive               foreign               exchange               rates.
               Some               prepaid               debit               cards               offer               a               favorable               exchange               rate.

Look               into               buying               one               of               these               before               you               travel,               after               you               explore               their               fee               structure.
               American               Express               travelers               checks               and               prepaid               Gift               Cards               are               both               safe               and               carry               a               low               rate.

They're               sometimes               problematic               to               use,               as               you'll               have               to               hunt               to               find               a               bank               that               takes               either               of               them,               but               it's               an               option               you               should               explore.
               Finally,               many               online               foreign               currency               services,               such               as               Travelex,               can               deliver               currency               to               your               door               before               your               trip.

These               often               have               an               acceptable               rate,               but               the               insured               FedEx               delivery               charge               will               eat               into               the               savings               on               any               amount               under               $1,000.

You               then               have               the               risk               of               carrying               all               that               cash               on               your               trip.
               Added               tip:               If               you're               planning               to               travel               back               to               this               country               in               the               next               year,               keep               any               excess               currency               in               a               safe               place,               rather               than               exchange               it               back               to               US               Dollars.

You               can               use               this               money               on               your               next               trip.
               Before               you               travel,               notify               your               bank               of               your               trip.

Alert               them               as               to               which               cities               you'll               be               using               the               ATM               card               in,               so               they               don't               panic               and               cancel               your               card.

I've               had               several               cards               canceled               due               to               this               misunderstanding,               and               had               to               wait               2               days               each               time               for               a               replacement               card               to               be               sent               to               my               hotel.






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