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well it's Tuesday at 2:00 again and it's December 2nd so we're going to talk about something that has to be taken care of before the end of the year and that's our MDS which stand for required minimum distributions so they're just exactly what they sound like they're required and it's a minimum amount of money that you have to take out of your traditional IRA if you turn 70 prior to July 1st of this year so if you turn 70 prior to July 1st by the end of this year you're going to be 70 and a half and the IRS requires that when you turn 70 and a half that you start taking out required minimum distributions from your IRA now this only applies to traditional IRAs so if you have a Roth IRA you're not required to take our MDS out of a Roth IRA so the other one caveat is if you turned 70 in 2014 prior to July 1st you actually have until April 1st to take your first RMD so this year you don't have to take your first RMD until April 1st but then you will also have to take another RMD in 2015 pr


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