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The main thing in any of this really is do they knock you on conversion rates.. My thai bank always gives better rates on Euro than my Euro bank gives on sending baht.
Even when interbank rates are used a tiny % discrepancy (they can pick the worst rate of the day) makes all the difference.
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Men have only 2 emotional states, hungry and horny.. So ladies, if you see me without an erection, make me a sandwich.
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