<prompt> Human: Most of my day to day money is CAD and I wire it to the US when needed. Looks like the CAD to USD exchange rate is an all time low, and my financial advisor wants me to move it all to USD. I will lose a lot of money, but he is worried CAD will drop even lower after USD interest rates increase. Thoughts?Note: I have to transfer some to live on each month regardless  <response>: 100 speculation. Transfer it when you need it. 