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Ed, you're one of the very most valuable contributors to our community -- 236 upvotes by your peers and 2,386 posts. Congratulations, and thank you! We are a community of many people so there are going to be differences in style that come across to the receiver as annoying or even rude. I once read that one out of 10 people can hardly to stand to be around us -- so I try to admire the 9 out of 10 with obviously good judgment and let go of trying to please the 10th one (though I wonder who you are!). I think of Larry (who also is one of the most prolific and valuable contributors on the message boards) as one of the long poles in the pension industry circus tent -- or maybe the grizzled chief petty officer on the navy's biggest carrier, who's seen pretty much everything and sometimes barks out orders but you give him wide berth because he's almost always right and he's not in the mood to chat. I've never seen a criticism that wasn't backed up by experience or citations -- so by getting to the point and lobbing in a comment he may be doing a tremendous service, especially if it turns out that some kind of liability-causing mistake is avoided, or some kind of money-making opportunity turns out to be the result. He's particularly willing to take his valuable time to get down into the weeds on a particular poster's factual situation, rather than contributing only some citation or general principle. I always give thanks for a griping customer, because he's probably giving me some valuable information that a dozen others are thinking but haven't written to me about. Anyway, I know there are passions (I actually have quite a problem with my own temper and sensitivity), and that it can take real effort to refrain from name-calling, and people might even be more sensitive to it nowadays given that one can turn on pretty much any national media and hear non-stop name calling and snarkiness. We also have visitors who aren't used to seeing the rigorous give-and-take that sometimes happens in a message thread, and we don't want to run off those who might be particularly conflict-avoidant. One such visitor and potential message board contributor wrote to me yesterday and politely complained. Because I believe it's important that a community regulate itself and not have some political correctness censor hanging overhead, I edit messages only rarely, where there is a name called or some kind of profanity -- everything else is fair game, including being frank and critical. But everybody must remember the public is watching, reputations are important, people are a whole lot more tender than generally assumed, and the point of everybody being here is to exchange questions and answers so that the plan participants get what they're supposed to and our employer-customers get the best and most accurate service. There are going to be sparks and loud squeaks as the big wheels turn, but we're all on the same train heading in the same direction. <End of sermon> Thanks again, Ed, Larry, and everybody!

The revised 2019 Form 8950 is only available via pay.gov for electronic filing. See the below article which contains a link to a copy of the revised form for reference. You have the option to file in paper form before April 1, 2019 so if you choose to make a paper filing, you will use the prior Form 8950 (Rev. November 2017) and include the check with Form 8951 (Rev. September 2016) per the Note in the How To File section of the 2019 form’s instructions. https://tax.thomsonreuters.com/blog/irs-form-8950-now-available-for-online-submission-of-vcp-applications/

David, I respect you and members of the board. I've posted on this board for years and try to provide insight and participate in discussions where I feel I may have something valuable to add. Sometimes I may get it wrong, and will immediately own up to it by stating 'I stand corrected'. You see, I do not attempt to derive self-esteem from anything that anyone else is doing; I derive my esteem from my own accomplishments. So, I don't 'get off' on criticizing others. But, let's not pretend that we're all blind to Larry's antics. I've never seen anyone (e.g. Other than Larry) lead most of their posts with criticism of others. That is inexcusable. For me, I will not tolerate it. Political Correctness is over-rated.

Again, you are ignoring the $10,000 you received tax free as a loan...

I repeat: Anybody who claims that any part of the principal repaid is double taxed, is, we shall say, methematically challenged.