Financial Planning Timeline
Keep your finances on track throughout the year with this helpful month-by-month calendar. It’s an easy way to keep track of deadlines you should know and actions you should take. As you consider the items on this list, be sure to work closely with
your financial advisor.
Friday, December 31
New Year's Eve is the year-end charitable gift deadline for check and wire transfers.
Friday, December 31
Last day to take 2021 required minimum distributions for those who turned 72 in or before 2020.
Saturday, December 25
Christmas Day (Markets and Raymond James will be closed.)
Thursday, November 25
Thanksgiving Day (Markets and Raymond James will be closed.)
Thursday, November 11
Veterans Day
Sunday, November 7
Daylight saving time ends. Set your clocks back an hour for the end of daylight saving time.
Friday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by Dec. 7.
Friday, October 15
The final day to file a 2020 income tax return for those issued an extension.
Friday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2021.
Wednesday, September 15
Third quarter estimated tax payments are due, if required.
Monday, September 6
Labor Day (Markets closed and Raymond James will be closed.)
Thursday, August 5
Observe Information Security Day – update your passwords for all online accounts to keep your personal information secure and visit turnon2fa.com for more security tips.
Thursday, July 1
Parents and students might want to make note of deadlines for scholarship applications and paid internships in July.
Sunday, July 4
Independence Day. Celebrate our American freedom! (Markets and Raymond James will be closed on Monday July 5th.)
Sunday, June 20
Father's Day! Be sure to show your appreciation to the influential men in your life.
Sunday, June 15
The deadline for U.S. citizens abroad to file tax returns. Second quarter estimated tax payments are also due, if required.
Monday, May 31
Memorial Day (Markets and Raymond James will be closed.)
Monday, May 17
Tax day – the deadline to file your return and pay taxes or request an extension. Also, first quarter estimated tax payments are due, if required.
Monday, May 17
Last day to contribute to traditional and Roth IRAs or health savings accounts for 2020.
Sunday, May 9
Mother's Day! Be sure to take the time to show your appreciation for the special women in your life.
Thursday, April 15
Tax day – Traditionally tax day, but this year you'll have more time. The IRS has extended the filing and payment deadline to May 17 to help ease some of the financial burden stemming from the coronavirus pandemic. The extension is for federal income tax purposes only, not state income tax. Please consult your tax professional for more details about your state's policies.
Friday, April 2
Good Friday (Markets and Raymond James will be closed.)
Monday, March 15
The deadline for Raymond James to mail any remaining original 1099s. Amended 1099s will continue to be mailed as needed.
Sunday, March 14
Daylight saving time begins. Set your clocks forward one hour before you go to bed Saturday night.
Friday, February 28
Raymond James mails amended 1099s and those delayed due to specific holdings and/or income reallocation. March 15 is the final day to mail any original 1099s and continued amended 1099s as needed.
Monday, February 15
Presidents Day (Markets and Raymond James will be closed.)
Monday, February 15
Raymond James begins mailing 1099 tax statements
Sunday, January 31
Raymond James mails year-end retirement tax forms for 1099-R and 5498, if applicable.
Monday, January 18
Martin Luther King Jr. Day (Markets and Raymond James will be closed.)
Friday, January 15
Fourth quarter estimated tax payments are due, if required.
Friday, January 1
New Year's Day (Markets and Raymond James will be closed.)
Thursday, December 31
New Year's Eve is the year-end charitable gift deadline for check and wire transfers.
Friday, December 25
Christmas Day (Markets and Raymond James will be closed.)
Sunday, November 1
Daylight saving time ends. Set your clocks back an hour for the end of daylight saving time.
Wednesday, November 11
Veterans Day
Thursday, November 26
Thanksgiving Day (Markets and Raymond James will be closed.)
Thursday, October 15
The final day to file a 2019 income tax return for those issued an extension.
Thursday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by December 7.
Thursday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2020.
Tuesday, September 15
Third quarter estimated tax payments are due, if required.
Monday, September 7
Labor Day (Markets closed and Raymond James will be closed.)
Thursday, August 6
Observe Information Security Day – update your passwords for all online accounts to keep your personal information secure and visit turnon2fa.com for more security tips.
Friday, July 3
Independence Day. Celebrate our American freedom! (Markets and Raymond James will be closed.)
Wednesday, July 15
Today is the last day to file your federal income taxes.
Sunday, June 21
Father's Day! Be sure to show your appreciation to the influential men in your life.
Monday, June 15
The deadline for U.S. citizens abroad to file tax returns. Second quarter estimated tax payments are also due, if required.
Monday, May 25
Memorial Day (Markets and Raymond James will be closed.)
Sunday, May 10
Mother's Day! Be sure to take the time to show your appreciation for the special women in your life.
Wednesday, April 15
Tax day – Traditionally tax day, but this year you'll have more time. The IRS has extended the filing and payment deadline to July 15 to help ease some of the financial burden stemming from the coronavirus pandemic. The extension is for federal income tax purposes only, not state income tax. Please consult your tax professional for more details about your state's policies, which may adjust as COVID-19 updates unfold.
Wednesday, April 15
Traditionally the last day to contribute to traditional and Roth IRAs or Coverdell education savings accounts for 2019 is tax day. This year you'll have more time. Per IRS publication 590-A: "Contributions can be made to your traditional IRA for a year at any time during the year or by the due date for filing your return for that year, not including extensions." The due date for filing the 2019 return is now July 15, 2020, so you have until that date to make 2019 IRA contributions.
Friday, April 10
Good Friday (Markets and Raymond James will be closed.)
Wednesday, April 1
Final day to take 2019 required minimum distributions for those who turned 70½ in 2019. If you turn 70½ in 2020, you will not have a required minimum distribution.
Friday, March 15
The deadline for Raymond James to mail any remaining original 1099s. Amended 1099s will continue to be mailed as needed.
Sunday, March 8
Daylight saving time begins. Set your clocks forward one hour before you go to bed Saturday night.
Friday, February 28
Raymond James mails amended 1099s and those delayed due to specific holdings and/or income reallocation. March 15 is the final day to mail any original 1099s and continued amended 1099s as needed.
Monday, February 17
Presidents Day (Markets and Raymond James will be closed.)
Saturday, February 15
Raymond James begins mailing 1099 tax statements
Friday, January 31
Raymond James mails year-end retirement tax packets for 1099-R and 5498, if applicable.
Monday, January 20
Martin Luther King Jr. Day (Markets and Raymond James will be closed.)
Wednesday, January 15
Fourth quarter estimated tax payments are due, if required.
Wednesday, January 1
New Year's Day (Markets and Raymond James will be closed.)
Tuesday, December 31
New Year's Eve is the year-end charitable gift deadline for check and wire transfers.
Tuesday, December 31
Last day to take 2018 required minimum distributions for those who turned 70½ before 2017.
Wednesday, December 25
Christmas Day (Markets and Raymond James will be closed.)
Thursday, November 28
Thanksgiving Day (Markets and Raymond James will be closed.)
Monday, November 11
Veterans Day
Sunday, November 3
Daylight saving time ends. Set your clocks back an hour for the end of daylight saving time.
Tuesday, October 15
The final day to file a 2018 income tax return for those issued an extension.
Tuesday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by December 7.
Tuesday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2019.
Monday, September 16
Third quarter estimated tax payments are due, if required.
Monday, September 2
Labor Day (Markets closed and Raymond James will be closed.)
Friday, August 2
Observe Information Security Day. Update your passwords for all online accounts to keep your personal information secure.
Thursday, July 4
Independence Day. Celebrate our American freedom! (Markets and Raymond James will be closed.)
Monday, June 17
Second quarter estimated tax payments are due, if required.
Sunday, June 16
Father's Day! Be sure to show your appreciation to the influential men in your life.
Monday, May 27
Memorial Day (Markets and Raymond James will be closed.)
Sunday, May 12
Mother's Day! Be sure to take the time to show your appreciation for the special women in your life.
Friday, April 19
Good Friday (Markets and Raymond James will be closed.)
Monday, April 15
Last day to contribute to traditional and Roth IRAs or Coverdell education savings accounts for 2018.
Monday, April 15
Tax day – the deadline to file your taxes or request a tax filing extension. Mark this date!
Monday, April 1
Final day to take 2019 required minimum distributions for those who turned 70½ in 2018.
Friday, March 15
The deadline for Raymond James to mail any remaining original 1099s. Amended 1099s will continue to be mailed as needed.
Sunday, March 10
Daylight saving time begins. Set your clocks forward one hour before you go to bed Saturday night.
Thursday, February 28
Raymond James mails amended 1099s and those delayed due to specific holdings and/or income reallocation. March 15 is the final day to mail any original 1099s and continued amended 1099s as needed.
Wednesday, January 16
Fourth quarter estimated tax payments are due, if required.
Monday, February 18
Presidents Day (Markets and Raymond James will be closed.)
Friday, February 15
Raymond James begins mailing 1099 tax statements.
Wednesday, January 31
Raymond James mails year-end retirement tax packets for 1099-R and 5498, if applicable.
Wednesday, January 16
Fourth quarter estimated tax payments are due, if required.
Tuesday, January 15
Martin Luther King Jr. Day (Markets and Raymond James will be closed.)
Tuesday, January 1
New Year's Day (Markets and Raymond James will be closed.)
Monday, December 31
New Year's Eve is the year-end charitable gift deadline for check and wire transfers.
Monday, December 31
Last day to take 2018 required minimum distributions for those who turned 70½ before 2017.
Tuesday, December 25
Christmas Day (Markets and Raymond James will be closed.)
Friday, December 7
Last day to enroll for or make changes to Medicare.
Thursday, November 22
Thanksgiving Day (Markets and Raymond James will be closed.)
Sunday, November 11
Veterans Day
Sunday, November 4
Set your clocks back an hour for the end of daylight saving time.
Tuesday, October 16
Final day to file your 2017 income tax return if you've been issued an extension.
Monday, October 15
Last day to re-characterize your 2017 Roth IRA conversions.
Monday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by December 7.
Monday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2018.
Saturday, September 15
Third quarter estimated tax payments are due, if required.
Monday, September 3
Labor Day (Markets closed and Raymond James will be closed.)
Thursday, August 2
Information Security Day. Consider changing your passwords for all online accounts to keep your personal information secure.
Wednesday, July 4
Independence Day. Celebrate our American freedom! (Markets and Raymond James will be closed.)
Sunday, June 17
Father's Day! Be sure to show your appreciation to the influential men in your life.
Friday, June 15
Second quarter estimated tax payments are due, if required.
Sunday, May 13
Mother's Day! Be sure to take the time to show your appreciation for the special women in your life.
Monday, May 28
Memorial Day (Markets and Raymond James will be closed.)
Sunday, April 1
Final day to take 2017 required minimum distributions for those who turned 70½ in 2017.
Tuesday, April 17
Tax day – the deadline to file your taxes or request a tax filing extension. Mark this date!
Tuesday, April 17
Last day to contribute to traditional and Roth IRAs or Coverdell education savings accounts for 2017.
Sunday, March 11
Daylight saving time begins. Set your clocks forward one hour before you go to bed Saturday night.
Wednesday, March 15
The deadline for Raymond James to mail any remaining original 1099s. Amended 1099s will continue to be mailed as needed.
Friday, March 30
Good Friday (Markets and Raymond James will be closed.)
Monday, February 19
Presidents Day (Markets and Raymond James will be closed.)
Wednesday, February 28
Raymond James mails amended 1099s and those delayed due to specific holdings and/or income reallocation. March 15 is the final day to mail any original 1099s and continued amended 1099s as needed.
Monday, January 1
New Year's Day (Markets and Raymond James will be closed.)
Monday, January 15
Martin Luther King Jr. Day (Markets and Raymond James will be closed.)
Tuesday, January 16
Fourth quarter estimated tax payments are due, if required.
Wednesday, January 31
Raymond James mails year-end retirement tax packets for 1099-R and 5498, if applicable.
Thursday, December 7
Last day to enroll for or make changes to Medicare.
Monday, December 25
Christmas Day (Markets and Raymond James will be closed.)
Friday, December 29
Last day to take 2017 required minimum distributions for those who turned 70½ before 2016.
Sunday, December 31
New Year's Eve is the year-end charitable gift deadline for check and wire transfers.
Sunday, November 5
Set your clocks back an hour for the end of daylight saving time.
Sunday, November 11
Veterans Day
Thursday, November 23
Thanksgiving Day (Markets and Raymond James will be closed.)
Sunday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2017.
Sunday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by December 7.
Sunday, October 15
Last day to re-characterize your 2016 Roth IRA conversions.
Monday, October 16
Final day to file your 2016 income tax return if you've been issued an extension.
Monday, September 4
Labor Day (Markets closed and Raymond James will be closed.)
Friday, September 15
Third quarter estimated tax payments are due, if required.
Thursday, August 3
Information Security Day. Consider changing your passwords for all online accounts to keep your personal information secure.
Tuesday, July 4
Independence Day. Celebrate our American freedom! (Markets and Raymond James will be closed.)
Thursday, June 15
Second quarter estimated tax payments are due, if required.
Sunday, June 18
Father's Day! Be sure to show your appreciation to the influential men in your life.
Sunday, May 14
Mother's Day! Be sure to take the time to show your appreciation for the special women in your life.
Monday, May 29
Memorial Day (Markets and Raymond James will be closed.)
Saturday, April 1
Last day to take 2017 required minimum distributions for those who turned 70½ in 2016.
Friday, April 14
Good Friday (Markets and Raymond James will be closed.)
Monday, April 17
Tax day. The deadline to file your taxes or request a tax filing extension; make sure you mark this date!
Tuesday, April 18
Last day to contribute to traditional and Roth IRAs or Coverdell education savings accounts for 2016.
Wednesday, March 15
The deadline for Raymond James to mail any remaining original 1099s. Amended 1099s will continue to be mailed as needed.
Sunday, March 12
Daylight saving time begins. Set your clocks forward one hour before you go to bed Saturday night.
Wednesday, February 15
Raymond James begins mailing 1099 tax statements to account holders today. On Tuesday, February 28, Raymond James mails amended 1099s and those delayed due to specific holdings and/or income reallocation. Wednesday, March 15, is the final day to mail any original 1099s as well as continued amended 1099s as needed.
Monday, February 20
Presidents Day (Markets and Raymond James will be closed.)
Monday, January 2
New Year's Day, observed
Monday, January 16
Martin Luther King Jr. Day (Markets and Raymond James will be closed.)
Tuesday, January 17
Fourth quarter estimated tax payments are due, if required.
Tuesday, January 31
Raymond James mails year-end retirement tax packets for 1099-R and 5498, if applicable.
Wednesday, December 7
Last day to enroll for or make changes to Medicare Parts C and D.
Sunday, December 25
First day of Hanukkah, and Christmas Day
Monday, December 26
Christmas Day, observed (markets closed)
Saturday, December 31
New Year's Eve
Sunday, November 6
Set your clocks back an hour for the end of daylight saving time.
Friday, November 11
Veterans Day (markets open)
Thursday, November 24
Thanksgiving Day (markets closed)
Saturday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2016.
Saturday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by December 7.
Saturday, October 15
Last day to re-characterize your 2015 Roth IRA conversions.
Monday, October 17
Final day to file your 2015 income tax return if you've been issued an extension.
Monday, September 5
Labor Day (Markets closed. Investor Access remains available.)
Thursday, September 15
Third quarter estimated tax payments are due, if required.
Thursday, August 4
Information Security Day. Consider changing your passwords for all online accounts to keep your personal information secure.
Monday, July 4
Independence Day. Celebrate our American freedom!(Markets and Raymond James will be closed.)
Wednesday, June 15
Second quarter estimated tax payments are due, if required.
Sunday, June 19
Father's Day! Be sure to show your appreciation to the influential men in your life.
Sunday, May 8
Mother's Day! Be sure to take the time to show your appreciation for the special women in your life.
Monday, May 30
Memorial Day (Markets and Raymond James will be closed.)
Friday, April 1
Last day to take 2015 required minimum distributions for those who turned 70½ in 2015.
Monday, April 18
Tax day, the deadline to file your taxes or request a tax filing extension. First quarter estimated tax payments are due, if required. Last day to contribute to traditional and Roth IRAs or Coverdell education savings accounts for 2015.
Sunday, March 13
Daylight saving time begins. Set your clocks forward one hour before you go to bed Saturday night.
Tuesday, March 15
Final mailing of any original 1099s as well as other amended 1099s as needed.
Friday, March 25
Good Friday (markets and Raymond James closed).
Thursday, March 31
The last day of Medicare Parts A and B open enrollment period.
Sunday, February 14
It's the last day of the annual Medicare Part C disenrollment period.
Monday, February 15
Presidents Day (markets and Raymond James closed).
Monday, February 15
Raymond James begins mailing 1099 tax statements to account holders.
Sunday, February 28
Raymond James mails amended 1099s and those delayed due to specific holdings and/or income reallocation.
Friday, January 1
It's New Year's Day (markets and Raymond James closed).
Monday, January 18
Martin Luther King Jr. Day (markets and Raymond James closed).
Monday, December 7
First day of Hanukkah
Monday, December 7
Last day to enroll for or make changes to Medicare Parts C and D
Friday, December 25
Christmas Day (markets and Raymond James closed)
Thursday, December 31
Last day to take your 2015 required minimum distributions (RMDs)
Sunday, November 1
Set your clocks back an hour for the end of daylight saving time.
Wednesday, November 11
Veterans Day (markets and Raymond James will be open)
Thursday, November 26
Thanksgiving Day (markets and Raymond James will be closed)
Thursday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2015
Thursday, October 15
Final day to file your 2014 income tax return if you've been issued an extension
Monday, September 7
Markets closed for Labor Day
Tuesday, September 15
Third quarter estimated tax payments are due, if required.
Thursday, August 6
Information Security Day. Consider changing your passwords for all online accounts to keep your personal information secure.
Friday, July 3
Markets closed for Independence Day holiday.
Monday, June 15
Second quarter estimated tax payments are due, if required.
Sunday, June 21
Father’s Day. Be sure to show your appreciation to this influential man in your life.
Sunday, May 10
Mother’s Day. Be sure to take the time to show your appreciation for the special women in your life.
Monday, May 25
Memorial Day (markets and Raymond James will be closed)
Wednesday, April 1
Last day to take 2014 required minimum distributions for those who turned 70½ in 2014
Friday, April 3
Good Friday (markets and Raymond James offices closed)
Wednesday, April 15
Tax day. The deadline to file your taxes or request a tax filing extension. Also last day to contribute to IRAs for 2014
Monday, March 2
Raymond James mails amended 1099s and original 1099s delayed due to specific holdings
Sunday, March 15
If you have a healthcare flexible spending account that allows a grace period, it’s time to use or lose the remainder of your funds
Monday, March 16
Final mailing of any original 1099s delayed due to further income reallocation
Tuesday, March 31
This is the last day of Medicare Parts A and B open enrollment period. Make sure you’ve enrolled when first eligible, or else you may face higher premiums if you need these services later
Monday, February 2
Raymond James will begin mailing IRS forms 1009-R and 5498
Saturday, February 14
It’s the last day of the annual Medicare Advantage (Part C) disenrollment period.
Monday, February 16
Presidents Day (markets and Raymond James offices closed)
Tuesday, February 17
Raymond James begins mailing composite statement of 1099 forms
Thursday, January 1
Open enrollment for Medicare Parts A and B begins. The annual disenrollment period for Medicare Part C starts
Thursday, January 15
Fourth quarter estimated tax payments due, if required
Monday, January 19
Martin Luther King Jr. Day (markets and our offices closed)
Sunday, December 7
Last day to enroll or make changes to Medicare Parts C and D.
Tuesday, December 16
First day of Hanukkah
Thursday, December 25
Christmas Day (markets closed)
Sunday, November 2
Set your clocks back an hour for the end of daylight saving time
Thursday, November 27
Thanksgiving Day (markets and Raymond James offices closed)
Wednesday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2014.
Wednesday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by December 7.
Wednesday, October 15
Final day to file your 2013 income tax return if you’ve been issued an extension.
Wednesday, October 15
Last day to re-characterize your 2013 Roth IRA conversions if there is a loss.
Monday, September 1
Labor Day (markets closed).
Monday, September 15
Third quarter estimated tax payments are due, if required.
Tuesday, September 23
First day of fall.
This month research your company’s benefits open enrollment schedule. Review your current benefits and decide whether you need to make changes.
Friday, July 4
Celebrate our American freedom! Markets and our offices are closed, but you can access your accounts using Investor Access at any time.
Sunday, June 15
It’s Father’s Day. Be sure to show your appreciation to the special men in your life.
Monday, June 16
Second quarter estimated tax payments are due, if required.
Saturday, June 21
Summer solstice, the longest day of the year.
Sunday, May 11
Mother’s Day. Be sure to take the time to show your appreciation for the special women in your life.
Monday, May 26
Memorial Day (markets closed)
Tuesday, April 1
Last day to take 2013 required minimum distributions for those who turned 70½ in 2013.
Tuesday, April 15
Tax day, the deadline to file your taxes. Also, the deadline to request a tax filing extension.
Friday, April 18
Good Friday (markets closed).
Sunday, March 9
Daylight saving time begins. Remember: spring forward, fall back!
Friday, March 14
Raymond James mails remaining 1099s.
Friday, February 14
Raymond James begins mailing 1099 tax statements to account holders.
Monday, February 17
Presidents Day (markets closed)
Friday, February 28
Raymond James begins mailing amended 1099s and those delayed due to specific holdings and/or further income reallocation.
Wednesday, January 1
It's New Year's Day (markets closed).
Wednesday, January 1
Open enrollment for Medicare Parts A and B begins, as well as the start of the annual disenrollment period for Medicare Part C.
Wednesday, January 15
Fourth quarter estimated tax payments due, if required.
Monday, January 20
Martin Luther King Jr. Day (markets closed).
Friday, January 31
Raymond James begins mailing 1099 tax statements to account holders.
Saturday, December 7
Last day to enroll for or make changes to Medicare Parts C and D.
Saturday, December 21
Winter solstice marks the shortest day of the year.
Wednesday, December 25
Christmas Day (markets closed)
Tuesday, December 31
Last open market day of the year. Planning to harvest tax losses? Keep this date in mind.
Tuesday, December 31
New Year’s Eve. Celebrate a year of successful financial planning.
Sunday, November 3
Set your clocks back an hour for the end of daylight saving time.
Monday, November 11
Veterans Day (markets open).
Wednesday, November 27
Hanukkah begins at sundown.
Thursday, November 28
Thanksgiving Day (markets closed).
Tuesday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2013.
Tuesday, October 15
Final day to file your 2012 tax return if you’ve been issued an extension. Last day to re-characterize your 2012 Roth IRA conversion if there is a loss.
Monday, September 16
Third quarter estimated tax payments are due, if required.
Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.
©
Raymond James & Associates, Inc., member New York Stock Exchange / SIPC. Legal Disclosures. Privacy Policy
Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.