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Read Currency for the reference rate and then keep this checklist in mind.
- Find the reference rate on the Banco Central site and note the date.
- Ask your bank or exchange service for its rate and fee in writing.
- Compare the all-in result in your own currency.
- If your income and your costs are in different currencies, consider how a rate change would affect your budget.
This is general information. A licensed adviser can discuss hedging or currency strategies; we do not.