gnome12

Except you have to be able to get your own luggage on and off the train.

And even that schedule might change at the last minute.

I have always loved this National Film Board short. Great to see it again!

My Duolingo streak is only 86 days, but I've been studying Norwegian.

Unfortunately my TD US$ account charges for transactions, both deposits and withdrawals, so it probably isn’t worth it to me to put the money into EQ. But if I had a larger amount I probably would.

Yes, but I spend more of my foreign charges outside the US, so I'll stick to using my EQ card linked to my CND account, that gives me back 0.5% on foreign purchases and uses Mastercard's conversion rate. By the way, I leave my USD account at TD alone, because, if I want to get cash, I can take it out from that account. EQ being virtual doesn't let me access US cash.

I very much suspect that it is. Even if you go to a currency exchange and change a lot of money I suspect you won't get a rate as good as Visa and Mastercard. The other advantage of a conversion fee free credit card is that it works as well in places other than the US.

The current rate on XE is $1.3638. My experience with my Home Trust Visa (with no conversion fee) is that Visa's rate was very similar to that shown on XE. (And I have also shown by having to immediately reverse a transaction that there is very little difference between the rate for a charge and the rate for a reversal.) You are paying a lot to purchase your US$, and then you earn no interest while the money sits in your US$ account.

No. Using your TD Canadian credit card would be calculated at Visa's exchange rate, not TD's. Then TD would add the 2.5% fee. I am willing to bet that TD's daily rate will be less favourable to you than Visa's.

For me that is the crux of the matter. Unless you have income in USD at some point you have to fund the USD account. And, since I am currently getting 4% interest on my CAD funds, I would lose a fair bit by keeping money in a USD account. As an aside, EQ pays a very generous 3% currently on USD accounts, but my TD US$ account that holds about $1100 earns 1 cent of interest every month.

That's more than I want. I know that I'm not GrumpySushiBear, but I really just wanted something that would let me carry my phone and keycard. The one I ordered arrived yesterday and I really like it.

You missed @d9704011's point that £200 isn't a lot for London. You will probably be looking at more than that, sometimes considerably more.

For DavyWavey70.

When I was in Vietnam (I think) the hotel had universal outlets that are supposed to fit most plug types. I tried to use my North American plugs, but they wouldn't stay in. Ultimately, I added the UK adapter, and that really held everything in tightly, so I was able to charge my phone with no issues.

Maybe in your part of the country. Here in the GTA cricket is quite popular because of our large south east asian population.

Sorry, I didn't take it farther than what I posted.

You will need adapters not converters. All modern chargers are dual voltage.

Why do you think you would be second class citizens on Silversea? Before the status match you would have needed 100 days on Silversea for free laundry. I’m sure that there are lots of passengers on board who don’t qualify. I certainly don’t; this is my first SS cruise, and I have never cruised with any other line in the group.

I decided to go with this one. A leatherette phone cover with long adjustable strap, and a single snap pocket for the keycard. I went for red since it is less likely to be left behind, even though it was $1 more than the navy blue. https://www.amazon.ca/gp/aw/d/B0BJ2P64GV?ref=ppx_pt2_mob_b_prod_image

(Of course, I live in Hogtown.) PS I sent the other from my phone; you don't see the location information there. https://www.calforex.com/en/order-cash-online/ They will also send to you. It's worth getting a quote.

I would never use a bank for currency exchange. I use Calforex, which has stores across Canada. In Toronto, they are in the CF Eaton Centre.

For me, I think I'll manage.

I'll have to think about it. Thanks.

Piggy-backing on this. I have a large selection of lanyards with different types of connections. How does the keycard attach to the lanyard? Do they punch a single round hole which requires a simple hole clip? Or is it an oblong cutout that a clip just attaches to? Or an oblong cutout that has a plastic piece that closes with a snap to hold the card.(I know that I'm not describing it well, but that is what we used at my office before I retired.) Or is it a different kind of connection that I can't think of. I have attached pictures of the 3 that I can think of.

Glad it worked out for you!