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When relocating to a new country, it's important to establish routines and traditions. My ritual here in London is spending an hour on the phone with the bank every day.

It's a strange thing about 2014 — we've got one collective foot planted squarely in the 21st century, while the other is stuck in back in the 19-something-or-others.

My email, Facebook, and Twitter accounts don't care whether I'm in Dublin or Dubai. I can jog along the Seine in Paris to the same music on Spotify that I listen to when I'm running along the Willamette River in Portland.

On WhatsApp, I send text messages to my friends every day at no cost, no matter where in the world I am. Skype is a snap. But banking is something else altogether. (Phone calls go in the same category as banking, but that's for another blog post.)

This is a universal experience, from what I can gather. Anyone living abroad wrestles with the arcane formulas and fees that go into converting an American salary to a British (or Brazilian, or Burmese) bank account.

Two weeks in London, and I've already found that American expats trade banking horror stories like crusty sailors comparing sharkbite scars.

My story, briefly, is this: In order to avoid a $35 Bank of America fee every time I move my paycheck to the United Kingdom, I devised a hopscotch as follows: Dollars leave Bank of America to an international transfer company. That company hands off the money to a Lloyds Bank International account. Lloyds International plops it into an account with UK Lloyds. Hardly simple, but at least the plan comes with no fees. Guaranteed.

The first transfer took three days longer than planned, and arrived with $600 less than the amount that left the U.S.

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