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Residential and consumer financing are tight as a tourniquet. You'll need excellent credit and a considerable down payment to take advantage of lower home prices. If you already own a home and want to tap into the equity, prepare for a rough ride.

Remember the old days when you had to go to the bank, passport in hand, to convert your sterling into foreign currency? Those days are now long gone and there is no shortage of places where you can secure your money for a trip abroad. But with so many choices where is the best place to exchange your currency? Is it the bank, travel agent or local finance company?