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Roy, Phil, Shortamzn, I really brought you guys out of the woodwork with my question. I appreciate the thoughts. I had not heard of VITA, but will surely consider it. I worked for Sears for 31 years, retired last year at under 59 1/2 and have found the taxing structure very intersting. In fact it was my h&R Block gal that suggested I do this next year. So I was delighted to hear your comments to the good. I am also aware of the loan deals, which are outrageous, but I think Roy is right, having cashed some of those checks at Sears for the recipients, they have not a clue as to how the world of finanace runs, it is really scary.I am not a total fool yet, but I'm working on it thanks to y'all. Norma
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