I'm one, and I just hugely expanded my prospects to consider, so I guess some of us "self-refer."

and I know there is some form of cancellation but not this close to the stay and If I could i would postpone 2 days so the first day of fishing is not in snow flurries :)the other major issue for me is POINTS  i earn enough points each year to get 10 to 14 free nights .. like in Puket  or last fall in Lisbon or a few years ago the Hilton Wikaloa on the big island and they upgraded us to a suit that was easily a 7 to 8k perk all for free.  

You can easily do this on a spreadsheet, and it will take less time to track than finding and learning new software.

If they are professional, they can explain this quickly and easily.

That trend follows, that number could easily grow to 50% having a carried diminished financial standing for all of '24'.

You can easily do this on a spreadsheet, and it will take less time to track than finding and learning new software.

@Ashley DennisYou may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a tax strategist willing to work with you throughout the year, not just when preparing your tax return.You want an accountant who can help you strategize and who is responsive when you want to know the tax consequences of the financial decisions you are making throughout the year.Good luck.

If they are professional, they can explain this quickly and easily.

Establish goals, continuously educate yourself, and expand your network.

You can easily do this on a spreadsheet and it will take less time to track than it would to find and learn a new software.