al cole'holic, thank you very much for your help. I will call your CPA after some decisions are made as to which direction we are going. I am currently off work, and preparing for my second back surgery, and I'm unsure if I can return to my job as a firefighter and may be forced to retire. Sounds good to retire, but the reduced income I would recieve would create a severe financial impact that would require some severe changes in lifestyle.
I might be having a huge garage sale soon.....House here, Havasu, boat, quads, etc. All you bone pickers, keep your eyes open.