I sell my items in USD, I get paid in USD, but sometimes I have to buy my items in CAD. The reason is because there is a paypal issue sometimes and I'm unable to complete an order. The USD to CAD has dropped a lot in the last couple of weeks. I kept a lot of money in USD in paypal but since the dollar has gone down dramatically, when I transfer my funds over to my bank account in Canada, I'm losing about 8% - 10% of what it used to be when it was at a better exchange rate. What would you recommend I do: a) I could just hold onto my USD in paypal and wait it out until the USD goes back up, but the problem is we don't know when and 'if' it will go back up, and I could end up with way too much money in my paypal account by that time.....it's too risky keeping thousands of dollars in there IMHO. I prefer to keep it under 1k or even 500 bucks. b) I could just transfer all of it now, take my losses, but start buying everything up with my CAD because it's such a good exchange now for CAD. Then later IF the USD goes back up, I will have made even more money when transferring my USD back to CAD. In other words, if everything is at a low right now, then it's good time to buy. Then you hope that it will go back to its yearly average and at that time when it does you'll have made an extra 5-10% on top of your earnings thanks to the favorable exchange rate.