Currency --- more opinions!
I have a friend that always goes to the bank (here in the USA) and exchanges Dollars for "destination currency" befare he leaves the country. I have tried to politely explain to him how stupid this is but he does it anyway. I suppose it gives him peace-of-mind hitting foreign soil with local currency in-pocket. I have found that, wherever I go, the worst exchange rate is in the USA. The next worst exchange rate is at the airport in the country I visit; the best rate is usually the farthest away from the airport.
In Mexico I was trading Dollars for Pesos with the local grain and bean dealer in the open market place. He gave me a terrific rate! I just bite the bullet and exchange enough cash at the airport to make it until I find a reasonable deal. Now, if I can only learn to deal with the Thai women!