Steve, my advice to you is not to solicit tax advice on a message board. At best you are getting tax advice from people who may or may not have a clue as to what they are talking about, and even if they do, can you imagine telling the IRS "but I got this advice from TOTV"? The IRS has help lines, and you can also get an appointment for free tax advice on-line from Villages Tax-Aide.
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