For the benefit of anybody who is considering paying for their camper through XE Trade, we have been learning a lot about the process, and are very satisfied so far with XE. You can follow the changing conversion rates through their website (on their Currency Converter Widget at http://www.xe.com/ucc/
) Right now, for example, their Widget says 1.00 USD = 1.02276 CAD. From this screen you can also "View Chart" to check out graphs of conversion rates over the past 12 hours, week, year, etc.
Once you have started an account with XE Trade, you can also click for a quick "Quote" that tells you exactly how much your U.S. dollars are worth in Canadian dollars in real time. (Right now, for example, 1000 CAD = 962.46 USD.) The quick quotes already have deducted any fees that you would pay to XE Trade to convert your money. Once you get a tempting quote, you can move on to "Book Now", and enter more details about whom to pay and by what method. Most of this information (names, addresses, your bank account info, etc.) you will have entered in advance, so it is a matter of simple clicks at this point. The "Book Now" screens do not oblige you to finish the payment. In fact, you may refresh the quote as much as you like in the "Book Now" section. Each time you refresh the quote, the XE clock counts down from 40 seconds, and in that time you get to decide whether to accept that particular quote or let it expire. It's fun to try to time your payment to your best advantage. Hubby says, "So this is what it feels like to be Donald Trump!" Hehe.
In retrospect, we should have created an XE Trade account even before putting down our deposit for the Escape, since the fee for XE services seems very reasonable, and much better than what we paid by using our credit card. Since that first credit card deposit, so far we have made three payments through XE to Rease & Tammy, and we are keeping a spreadsheet of those payments, including how much the XE fee turns out to be for each payment. The three payments have each cost between 1.5 and 1.6%, and this was with a bank draft method, not a wire transfer.
FYI, it took 7-8 days for the first XE payment to get from our bank to Tammy's desk, so that's a consideration when going to pick up your camper.
And yes, bad days in the U.S. stock market seem to coincide with good days to convert U.S. dollars to Canadian dollars.