How a required minimum distribution calculation works
Scott Burns explains the AMD table 27.4 represents 27.4 years, the basis for a 3.65 percent first RMD when dividing 100 by 27.4. He notes the yearly AMD decreases with age, raising the percentage, and that withdrawals are of remaining balance, not fixed cash, so the account can’t be exhausted though withdrawals may fall short of needs. He then offers personal guidance for a 76-year-old woman with $64,326 guaranteed income, $201,450 in IRAs, and $468,558 in non‑IRA savings, suggesting a CD ladder for IRAs and a balanced fund approach for non‑IRAs.
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General Mills recalls flour over E. coli link
General Mills voluntarily recalls about 10 million pounds of flour after health officials investigate an E. coli outbreak that sickened 38 people across 20 states. The strain has not been found in Gold Medal Wondra or Signature Kitchens flour or plants. No illnesses have been linked by consumers.
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