I’ve heard of Sanitas, and I understand it’s a well-reputed company. I don’t know anything beyond that, sorry.
Yes, I converted all my savings at once to EUR via TorFX ** because I was buying an apartment **. That was just about the entirety of my savings. (So, yes, I still need to work to make living happen in the day to day; in that sense, it definitely helps that I’m such a minimalist.) Regarding your situation, here’s my very JV answer: I think your question about converting all at once or little by little depends on what sort of financial game-player and risk-taker you are, and what sorts of predictions you’d wager (or not wager) on. Will the dollar crash altogether? (Obviously in that case, it will have proven a great move to have converted all your savings at once.) Will the euro? (And in that case, it will have proven a really bad one.) Will the EU disestablish? (In that case, ????) Will the USA implode? (And in that case too, ?????) I don’t have any idea. I do know that I have an apartment to live in, and that’s what drove my choice. The one helpful thing I might have to say on this question is that, though currency brokers (such as TorFX and similar) will (as far as I can tell) prove the most economical option for making these money transfers, there’s still a substantial cost involved in each of the transfers. (A little like a “big” version of the charges you get nailed with when you take cash out of an ATM from a different bank.) I wasn’t playing with enormous amounts of money, I didn’t want to see big chunks of it disappear in transfer / transaction fees, … so I made what was basically an all-at-once decision. It might prove to have been a good move or not, but that’s why I made it, and I think it was a good choice (for me, at the time, etc.) I guess those are the sorts of things to be thinking about. (Sorry if I’m saying things that are obvious and that you thought of already last year.)
Again, I don’t know where you live in the US or how you spend your money, and so on; and in any case I think I sense that, in terms of lifestyle, we probably live on different planets. (For reference, your monthly expenditure is more than my annual one.) So I don’t think I’m a good comparator in the 7200:2700 does-that-make-sense question. That said – again depending on where you choose to live and what sort of house / apartment / etc. living situation you choose and whether you’re going to go golfing every day and so on – it *does seem entirely possible to me that the 7200:2700 equivalence could pertain.
Good wishes! Feel free to contact me if I can be helpful somehow. Again, I think we’re living different sorts of lives (and in that sense if you can find someone more helpful who is “more like you,” I’m sure she’d be a better resource than me), but if you think I might be able to lend some insight, please feel welcome to touch base.