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Your articles on the new MRD rules are great news, and we appreciate the service in providing this information. In the final paragraph of the January 29 article "More on New IRA Distribution Rules" you say "You must make changes before you take an IRA distribution this year". It is not clear to me exactly how you inform the IRS (or whoever needs to know) that you wish to make a change. I have been taking my distributions in small "as needed" amounts throughout the year until I reach my MRD amount. If my factor becomes less, wouldn't the only change be that I would withdraw less total dollars between now and Decemeber 31, 2001?
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