If someone is sending me Euros, should I calculate the paypal conversion fees in advance to send to them for them to pay? So I will not lose money? If I need to receive 100 Euros, should I tell them it is actually 104.25 euros? That is assuming there is just the 3.9% fee plus .35 euros flat expense??? Otherwise, if I receive 100 Euros and don't tell them to send the conversion fees, I'd only end up with $95.75. Correct?