TomD8 - I knew about the 50% penalty as it relates to "No Withdrawal". I guess what throws me is the idea that I blindly canceled the IRA in favor of a better performing CD. It's the IRA I needed to take additional (years forward) RMDs from higher $$ performers. I'll go back and retrace my steps. I understand now how this blind move I made will affect my federal taxes. Yikes! Thx Jim
