Yes, Marc I do need to get the required paperwork from everyone. I am going to send out a booklet that will have all the forms and some other information enclosed. Wait until you get that and you can do it all then. Some of the ROARers have all that paperwork completed already.

CSA is cheaper than Travelex and better as it covers pre-existing conditions at final payment. Or you can buy a cheaper CSA option that does not cover pre-existing conditions. CSA is the way to go now.

All that will be in the booklet. Interestingly enough I am working on that booklet at this very moment inbetween checking emails and LCT.

I also have so many varying pre and post options I need to make sure everyone has everything just as they want it. I have a giant spreadsheet for that and each booklet will have some information regarding each persons arrangements.

90 days before is the actual payment date. I often give myself a few days leeway on an invoice to be sure everything is paid in time.