Thanx for the reply Roy. I wasn't totally clear with my question, I realize now, but you got the gist of it. I'm not working this year so my income will be short term capital gains on stocks I trade. To save on long term capital gains taxes, it would take too long to justify, so I think I'll just bite the bullet.Thanx again.On a personal note, my wife and I were out in Scottsdale in Oct 97'. Stayed a week at the Camelback Resort. First time I'd ever been out West. Beautiful weather you've got out there. Ryno
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