I love to tell the story about how I once traveled over to Germany for a school trip.  Everyone had already taken care of exchanging their us money fro German money.  however, I didn’t get that done before I left.  so i had to sit down with a German worker and figure it all out.  It wasn’t much fun and I realized that I should have at least done some online research.  It just never came up and I never really thought about it.  The best exchange rates are all online now and are no more than a click away.