exchange rate advice

    going away start of next year, think i should change my euros to dollars now? or should i hold out a bit more. news report says its probably at its lowest but a report i read in the newspaper says its gonna get even worse for the dollar . . what would you guys do?
    also do you know if a bank will allow you to just change your savings into dollars, or would i have to take it all out to avail of the exchange rate :-D
    advice appreciated

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