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I am SO grateful for all of you. May you all have a wonderful holiday; one to look back on for years as a pinnacle in your family's times together.

Margaret, here is a simple solution for your password that will make it stronger and not be too complicated. Use TR2014XXXX. T=Tax R=Return 2014=tax year XXXX= last four digits of SSN. YOu can add an exclamation point or whatever to toughen it up even more, if you like. Just a thought.

A strong password that is unique to the account is incredibly effective. Be careful to not provide it to some look-alike site at www.outlook.fakesite.com for example. If you use an email client like Outlook or Mail or Thunderbird and your ISP / email provider supports SSL, then configure your client to use it. Other than that, it's up to your provider to keep their systems secure. Encryption is important, which is why every single online retailer in the world utilizes it when they take your credit card information, and why many sites use it when taking your username and password. With the latest round of donations, I'm going to buy a 3 year SSL certificate for atxommunity.com. Yes, I did check the email headers to see where they came from. The actual addresses were registered to this forum. They get into the account and send emails to everyone in the contact list. The same thing happened to my mom a few years ago, and once they were done extracting everything they wanted from the account, they deleted every email and contact so she couldn't easily warn everyone of the intrusion.

They are part of the new format from Eric's last update. He just keeps making it better and better. I hope a lot of us use the 'donate' button to give him an extra 'thanksgiving' gift.