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Thank you Pixy.I dont know how you know all this stuff but you are right on. My question now is, can I send the payments directly within 60 days to an established Vanguard traditional IRA myself or do I have to establish a plan with the payer to send the money to Vanguard? Can I mix the methods? Since the next check I get will be next week, the fastest meathod would save additional taxes for us at this time. Today is Sunday so I will call Vanguard Monday and the plan administrator. It maybe hard to get through so I greatly appreciate your info above. Thanks, Ralph
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