Other Options for avoiding the foreign transaction fee
[QUOTE=PussyLiccker;1524017]I have a trip coming up soon, any short term solutions?[/QUOTE]Sorry non-Americans. This information is only relevant to our American-based forum members since these accounts are not generally available to non-Americans. So please skip this post if you're not in the States.
Yes PL, another option is the Capital One 360 Online Checking Account:
[url]https://home.capitalone360.com/online-checking-account[/url]
(formerly ING Direct). They also have no foreign transaction fees but unlike Schwab, they will not refund any ATM fees that the foreign bank charges for withdrawing from their ATM). So Schwab is still your best bet but this account can be set up faster because they mail you your ATM card as soon as you apply online and set up your online profile. You can start linking and funding the account concurrently with the mailing of your ATM card. That is, unlike Schwab, you don't have to complete the funding of your account before they will mail you the ATM card. Their whole process takes 7-9 business days according to their representatives (because your ATM pin arrives separately 1-3 days after your ATM card). I don't have one of these accounts but I have heard this account recommended by other frequent travelers.
As Breadman notes, you may be able to expedite the Schwab process by visiting a branch but I have no experience with that.
Also, if you have a military affiliation (yourself or a family member) , another option is USAA online checking. This used to be open to everyone regardless of military affiliation about a year ago but they've restricted this feature to only folks with military affiliations now. USAA still has a foreign transaction fee of 1% but that's still better than most cards that charge 3 percent. USAA has exceptional customer service also. I use them as my backup ATM card that I leave in the hotel safe. So, if anything happens to my Schwab card, I will have to pay a 1% foreign transaction fee on all my muschi money for the remainder of that trip.
Keep in mind that you can use your Schwab ATM card like a VISA card to pay for hotel and other stuff also to avoid the usual 3% foreign transaction fee on credit card purchases. But do NOT use this to pay for your car rental as this card does not include rental coverage. For credit card rental coverage, I am using a regular credit card that offers rental car coverage to avoid paying the car rental insurance but I am still paying that stupid 3% foreign transaction fee every time I rent a car. Oh well.
Importing Fine Delicacies
[QUOTE=Howie;1524508]Hey guys, I want to bring a FKK hottie to visit me in the US. She being Romanian requires a visa of sorts and in order to process one, she will require an invite from me. Anyone knows how that is done? Thanks. Howie[/QUOTE]Yes, everything that HB and Optimist says is correct. For a tourist visa, first, you guys fill out the online DS-160 (you can help her fill it out). It used to be a paper form but now it is all online. Here is an example of one filled out:
[url]http://www.immihelp.com/visas/sample-ds-160-form-us-visa-application.pdf[/url]
In the box that asks about dates of travel, you can give approximate dates if you aren't sure the exact travel dates. Don't buy your travel tickets until AFTER the visa is approved.
She has to have photos that strictly meet the US requirements. She can either upload those with her DS-160 (recommended) or bring them with her to her embassy interview.
After filling out the DS-160, she gets a letter, inviting her to an in person interview at the embassy (15 minute interview). The only embassy in Romania where this interview can be done is the one in Bucharest I believe. They ask the sort of questions that HB described. Afterwards, she'll get another letter letting her know if her tourist visa was approved or not.
The backlog for processing tourist visa applications in the Bucharest embassy is almost non-existent. They are supposedly processed very quickly. Nonetheless, it's probably a good idea to get this process started at least 3-4 months before date of travel.
Good luck.