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My condolences on your loss,

Thanks, but not needed, no loss. I should have made that clearer.

Mom is getting older and you just start thinking about things like this and trying to plan to have one less headache. I manage her IRA and handle such things for her. I'm thinking about pulling out the full RMD for 2015 on Jan 2 and just tell her you can spend $x per month.

JLC
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