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A: *Yes*, there are income limits. The credit can be reduced or eliminated depending on your modified adjusted gross income (MAGI). Details are in IRS publications.
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* **Exchange Rate Markups:** For international transfers, banks often add a markup to the mid-market exchange rate, meaning you might get less foreign currency than you expect for your money. **How to avoid:** Always compare the exchange rate offered by your bank with the current mid-market rate (easily found online). Again, specialized money transfer services often provide much more competitive exchange rates.
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