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lol, CDSmith I thought you were smart before I read this thread. "For those who can afford it", lol.
Want a suggestion? Put any money you don't need into mutual funds, stocks, bonds, whatever. Anything's better than letting it sit in a bank account. Saying that transfering USD to CAD means you're somehow losing money it insane, it makes no sense. The exchange rate is not going to get better, in fact it's projected to get worse and stay that way. If you really have a financial advisor who said keeping money in USD against the odds is a smart move, fire him immediatly.
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