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Required Minimum Distributions Waived for 2009 Taxpayers can be subjected to an onerous excise tax if they take less than the required minimum distribution (RMD) from their retirement plan each year.   Prepare Financially for a Possible Job Loss Fresh reports of layoffs abound, and the unemployment rate continues to climb. It?s now over 10% in quite a few states, and the national rate could be there before long.   Retaining Tax Information and Records Retaining and storing your income tax information and records is an important final step of your tax filing responsibility. This article contains information on the rules for keeping your tax records.