Year-round residents in Florida and some other warm weather destinations have mixed emotions when snowbirds, including many Canadians, return.

On the one hand, traffic increases and lines in stores are longer. At the same time, the money those snowbirds spend is very welcome, especially since the part-timers don't require schools and some other services.

From the Canadian snowbirds' perspective, it becomes a question of how to transfer money from their accounts in Toronto or Calgary to the U.S. It's a perfect example of the need for international payments, according to hyperWALLET in Vancouver.

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