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I have met you. Saying you are petite is generous. It is like saying a nuclear particle is small! I would have thought you shop in the young girls department....HaHa! Love you my sister from another mister. Just could not resist the chance to poke a little fun at your expense. Tom Modesto

Very true. However, I got a different company's card to replace BoA - and having too many cards also affects your score! I do not carry balances, and I don't actually charge all that much, so my "percent of credit used" is pretty low. Well, maybe Christmas is an exception. Some of the purchases for Gwen's wedding next month, too, for that matter. After the wedding I'll post some pictures! And if any like gory pictures, I can post during-and-after pictures of the ripping apart and re-building of my dress - required since it was perfect but did not come in a petite. It was 7" too long, plus the shoulders were too long as well. Gorgeous dress, and I have some dramatic photos of it in several pieces out on a sewing table.

I've heard that Microsoft was making it hard to download Chrome and other browsers. Can you download the installer on another computer, put it on a flash drive and install it that way? 10Mbs a huge upgrade? We should be ashamed that we haven't wired the whole country by now with high speed internet. It's as important as electricity for a business.

Jim is allowed to take up to $100K out and tell the custodian to pay it directly to a charity as a QCD , so YES, in your example Jim may take out $3,000 and call it QCD as long as he meets the age requirement, it comes from an IRA, none of it is a return of basis or from a rollover that was funded with after-tax dollars, and it is made payable directly to the charity. Jim's 1099-R will be issued showing a normal distribution of $3,000, and will be reported on line 4a (what used to be 15a). Then, if the full $3,000 was handled correctly and meets all the criteria above, Jim will report $-0- on line 4b (the old line 15b) with the letters QCD next to that line indicating that it's not taxable. So, your answer is "YES", but I wouldn't say the AGI is "lessened" by the extra because, if handled correctly, it isn't included to begin with. Hope that helps to clarify. The extra amount taken as QCD over the RMD doesn't count toward next meeting the distribution of any future year's RMD, but it may reduce the future RMD that is calculated since the account balance has been reduced by taking a larger distribution now than was required.

For browser, I use FF for most, Chrome next, and the others when forced. No particular reason. For "security", I use only free, and for many years now, only what Microsoft provides. Any "security" which has a paid element has job 1 of getting paid. This means trying to prove to you it has value, which means they MUST give false positives so you do not forget it is "on" and protecting you from the boogie men and women. This is mainly an issue with their WAG settings, what they call heuristics. This WAGuessing is why you will almost always see instructions to disable your security software when installing software... I test our software using VirusTotal before upload, and will often get a false positive or two from some of the outlier "security" companies. Even the "majors" give false positives from time to time,. In the last six months, compressing a setup file for online use will nearly always trigger a false positive - so the result is wasted bandwidth due to the false positives, since I can no longer compress our setup files. (The reason is many will believe the false positives, which means I lose customers since many "believe" the false positives.) The only real safety is the nut at the keyboard not doing silly things, and making sure to have a good recovery plan. No software can predict in advance (what heuristics tries to sell us) what someone will dream up. McAfee made his fortune selling his "tonic", and has confessed that no paid "tonic" is needed nor can any "tonic" actually protect us. Norton was good when it was Peter's company.... Interestingly, I recently changed routers, and it comes with an optional "security system". The "security system" gives me a warning when reading a safe major newspaper site, as one of their ad services is being flagged as nefarious. I will not be using the "security system" beyond the trial, but I was curious.

You know I get the uneasy feeling you are absolutely correct. After trying to download Chrome on booting up the next day you get this handy reminder from Microsoft about how great Edge is and you ought to give it a try.:} Well it's a downloading. I'm keeping my fingers crossed. It's creeping along but not quitting. I think I'll run to the liquor store and when I return it will have Chrome downloaded.

We are gaining a lot of circular momentum here, approaching Warp 1.

To elaborate: the distribution is NEVER COUNTED as taxable income to him, so it's also NOT a charitable deduction for him. To get a charitable deduction (in addition to having to itemize deductions) he would have to claim the distribution as his own income - and he'd have to get the money personally. Cleaner in many ways to send it directly to the charity. No Sch A for him, no $3K in income to claim. But yes, he can give more than his RMD. The only effect it has on future RMDs is the lower end-of-year balance to calculate it from.

I've had that message. I think when just going back to the main screen and expecting to see the list of threads.