Hey Raam,

I looked thru your monthly reports and noticed a recurring theme of ATM charges. These are hard to avoid, especially if you are travelling and living a nomadic lifestyle, but there is an easy solution. Check out the bank account offered by charles schwab bank. It has several benefits.

1. No atm charges, anywhere. (they are charged upfront, but schwab reimburses them to your account wsithin a few days)

2.. It pays interest on the balance (0.25% right now, but this will vary with interest rates)

3.. It comes with a brokerage account that you can fund for long term investing.

We used our schwab account numerous times when we were in Europe and saved at least $50.00 in ATM fees.

I have no vested interest in charles schwab, other than being a satisfied customer for about 2 years.