@itonewbie said "@Turning Tables Please refrain from calling names and be respectful to other participants, who happen not to be either old grouches or sharks but established professionals and long-time members of this forum who volunteer their time and have helped countless tax professionals over the years."

I think @Turning Tables could be at least partially correct and would fit right into this forum. Some us to get a bit grouchy. Some us do hover over the forums like a shark in wait for prime question. It is difficult to determine the background of the one asking the question. Often the question is incomplete or has great inconsistencies. I used to play a game WFF 'N PROOF where WFF = Well Formed Formulas. Logical statements sometimes are not posted here.

This particular question says "My accountant suggested ..." which seems to shout I AM NOT A TAX PROFESSIONAL and that leads many us to be grouchy. 

@Turning Tables I hope to see more activity by you. This forum needs sharp minds.