I finally went and talked to an accountant today. Man! I should've done this from the very beginning. Luckily, my accountant is very personable. It is unbelievable the things he knows. I knew that I didn't know a whole lot about these things, but I was wrong.....I found out I don't know ANYTHING about this stuff. If you haven't all ready, I encourage you to go talk to a REAL accountant......mine didn't charge me anything to talk to him. I am now a true believer that everyone that isn't an accountant needs an accountant. Even if you don't own a business, I would get an accountant. He is doing my families taxes and it is cheaper than H&R Block Tax Professionals and I believe he will be much more thorough and we will get more back. I am very excited about this. Also, he recommended I become an LLC.....which I will be doing very soon. Anyway, please just go talk to an accountant and make your own opinion. They WILL save you money. They are suprisingly affordable too.