Hello FTers,

My method might not be for everyone. When I buy overseas money, I know someone has to make money. I try to limit how much money they make.

1. Hotels rates are horrible. Banks are -- from what I've been told in all travel magazines -- better.

2 WF charges $5 for each ATM use. Fine, then I order all money at once for $8 rather than $5 each time for each country.

3. Those money changing carts have high fees. So I avoid them.

Taking into account the above situations, I think ordering foreign currency online at WF.com is OK with me.

Also, someone mentioned that WF's rate are horrible. Well, I haven't compared. And I don't have time to see how much I'm losing. What would be anyway: lose $5 for each $100? 20 cents per $100? As a generalization, I don't have the time to shop and compare. It sort of reminds of me of a friend who drives 15 miles to get to a gas station that's 5 cents a gallon cheaper. So, what did save $1 for a tank of gas?

I have no idea how WF's foreign exchanges compare to the above. But, let's face it folks, you can't get something for nothing.

My way of buying foreign currency may not be for everyone, but it works for me. And I'm willing to listen to what other's are doing and perhaps I will adapt their way.

David