Saturday Night 12/21/2019 The hunt for NIcole

Saturday Night 12/21/2019

I have had a very busy week in business as a CFP (Certified Financial Planner), RIA (Registered Investment Advisor) and had19 clients that are over age 70.5 that had not yet taken 2019 RMD's (Required Minimum Distributions) from their IRAs. Have to evaluate what to sell to get the cash, sell, wait till settles and send check. I do not do things at the last minute so contacted and started process with all of them this week. Some have over $1m in IRAs and the IRS penalty for not taking out is 50%!

Also I have decided to make my next annual Canadian trip to Montreal instead of my usual Toronto. But it has been about 15 years since I have been to Montreal so researching as a virgin all the adult options on the huge review and discussion board merb.cc As always I plan ahead make spreadsheets of potential (mostly via the zillions of agency where beautiful companions are about $US160/hr (with the conversion advantage). I found the hotel I want and still deciding on airline options (I have 100k ff miles with American but terrible flights that can use them on) Not going till warms up in late May but I do lots of pre-trip research.