OFX, an online currency exchange platform formerly known as USForex, charges no transfer fees regardless of how much gets sent. Exchange rate markups tend to be less than 1%, so you also get favorable rates too. You can send money to 91 countries, via phone, online or mobile app. But there are downsides.
How to avoid the Obamacare penalty. The simplest way to avoid the Obamacare penalty is by having insurance. The ACA set up the Health Insurance Marketplace to make this possible. There, you can search for plans and prices, or be directed to your state-specific marketplace that provides the service for your area.
If an American failed to get coverage this year, that penalty will be taken out of their tax refund in early 2015, Adams noted. While that might be painful to some uninsured Americans who are counting on their tax refunds in early 2015, the penalty for going uninsured next year is even harsher.