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As they say "you are kind of late to the party". You should have been changing out your U.S. dollars as they came in. In the short term you should probably change out your money.The U.S. dollar will eventually recover against the Canadian dollar if only for the fact that the Canadian economy won't be able to tolerate being above par for that long.
But here's a bit of advice
Get yourself a financial advisor and stop basing important financial decisions on what someone told you on an adult webmaster message board. There are a plethora of know it all whiz kids on the internet.
How many of these people offering you advice do you think actually have any sophisticated financial background or training? I'd hazard a guess that most of them don't even have a first year economics course let alone more advanced education or hands on experience.
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