In a test with around 600, 000 users, Krishnamurthy says, data sent using P4P had to travel between an average of just two networks to reach its destination, as opposed to around seven with normal file-sharing, vastly cutting the cost of moving the data.

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Assuming normal life expectancies, Linda should file for benefits at age 63.

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Similarly, if you claim special deductions and credits, you may need to keep your records a little longer than normal (for example, if you file a claim for a loss from worthless securities or bad debt deduction, you should keep those records for 7 years).

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