well, i exchanged my money straight through my uncle who lives in hong kong, but does business with the japanese. didn't have to pay the bank fees and stuff...and we mutually agreed on the rate of 107 a couple weeks ago. so i guess luck was on my side this time.
i just hope i exchanged enough to survive 4 months without doing it again...hoping that the rate goes back up if i do.
im glad i have connections!