thanks for responding guys,

i did a lot more reading around this forum after i posted.

and if i remember correctly, from some of the other posts i read,
isn't it free to transfer from a US bank account to a US neteller account
if i use ETF?

also, i thought it was free to deposit money from neteller>partypoker
or withdraw from partypoker>neteller


and isn't tranferring money from neteller>US bank account also free?
considering it's all in US funds, i shouldn't be charged that 1.9% fee
of exchanging from US to CDN funds right?

i thought it was all free as long as i don't do instacash or exchange from
US$ to CAN$ when transferring back to the bank account

i'm guessing the only time i should be 'paying' is if i don't get a
good rate when i exchange CAN$ to US$ when putting into the US account
or exchange US$ back to CAN$ when i want to withdraw out of the account

sorry if there's any confusion, i've read a lot of posts, so i could be
remembering it wrong.

thanks again