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Wow, thanks for the great help, guys - I feel like I now have a far better handle on expected tax obligations. In response to Lorenzo's post - I am DONE with residency! (Though I was known to make lengthy posts even while still in training.) What you say about the hours is ALL TRUE and despite the government crackdown on residents' hours, I will believe in the compliance by the training programs only when I see it. In fact, the reason I am moonlighting as I have been is that I have not been in any huge hurry to get back into the schedule of a practicing physician. Graduated June 30, 2002, spent the next 7 weeks studying fiendishly for my boards (and passed, HOORAY!), took a month off then started moonlighting October 1, 2002 in earnest.

Only now am I ready to resume full speed ahead. It's been nice, though, finally working fewer than 100 hours a week...

Thanks again for your superb and immediately useful assistance. It is immensely appreciated!

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