some of the stuff he post is ok ah... not all bs... just that almost every post makes it like he expert... and other people dumb dumb... hahaha

anyways... this time I call his bs... I show my hand... hahaha


and my bank charge me spot rate...1/0.2394601 = 4.17606 live fx rate... but I choose Saturday since no trading to lock down this variable

visa debit

as for the mark up... it depends on your bank and types of account... they will have a pdf that discloses all the fees