Now is probably a good time to throw out a couple of friendly Public Service Announcements… my friends, be SAFE and SMART when this happens! 1. Don’t hand your currencies to anyone outside of a financial institution or maybe a currency exchange! (Regarding currency exchanges, there’s almost 0 chance you’ll get the “best” rate there.) 2. NOBODY IS CASHING IN EARLY! 3. You WILL pay taxes… or face the consequences. [check with your tax professional at the proper time] 4. The initial rate *may* be the best we will get… or it may be wise to hold out for a subsequent raise. …be sure to keep a cool head when this goes down.