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The point is now moot. We put in an offer on a home on Thursday and the sellers accepted on Friday. Assuming the inspections don't show a problem that causes us to rescind our offer, we have bought a house. And I went to the cable company in the area and did the sign up, all the way until they asked for payment, so I am pretty sure I am going to be able to get Gig speed internet at our home. Thanks for all your help. Tom Sparks, NV

Tom, you're right. I think ALL my clients had large changes this year: unemployment, taking more from savings, residency issues (they think they don't have to file in NY, for instance), more than one with a parent that passed away and left them investments (&/or the parent's also my client), kid was home from college, grown kids returned home, loss of jobs & job searches, new SE work, etc. And, few of them were ever stable in the past and none simple. That's why we need each other!

What are those? Haven't seen one in over a year. Tom Sparks, NV

I know. They've been a great family of five returns: 2 trusts that were almost identical and only investments, 2 kids but dad's a banker/lawyer who organized all the paperwork for all 5 returns, and the parents who were W-2 and not much else. 2020 everyone had major life changes; some beginning in 2019 when 1 trust distributed to older son, and younger son dropped out of college to move around. 2020 is so different for the whole family! Thank goodness, Dad is still a great organizer and researcher who can track down answers to my questions. Sons are responsive, also. And, mom is really sweet. If they were not nice people, I'd have fired them this year! I've been moving so slowly this year with constant tax law changes. I have more people on extension then ever before. Trying to take Sundays off. And, we just visited PA for the first time since Christmas before Covid to play with our granddaughters all last week. Thought I was rested and ready for work this week, but as cbslee described it, it's a really tangled web. When I get through this family, I think I have more normal returns left. I hope!