Any advice to tired LL? (by IMR [OH]) Feb 18, 2020 1:29 PM
Any advice to tired LL? (by Robert J [CA]) Feb 18, 2020 1:49 PM
Any advice to tired LL? (by myob [GA]) Feb 18, 2020 2:05 PM
Any advice to tired LL? (by IMR [OH]) Feb 18, 2020 2:06 PM
Any advice to tired LL? (by Mickie [OH]) Feb 18, 2020 3:10 PM
Any advice to tired LL? (by fred [CA]) Feb 18, 2020 3:44 PM
Any advice to tired LL? (by Still Learning [NH]) Feb 18, 2020 3:54 PM
Any advice to tired LL? (by Carolyn [MO]) Feb 18, 2020 3:57 PM
Any advice to tired LL? (by plenty [MO]) Feb 18, 2020 4:30 PM
Any advice to tired LL? (by Mickie [OH]) Feb 18, 2020 4:40 PM
Any advice to tired LL? (by WMH [NC]) Feb 18, 2020 4:42 PM
Any advice to tired LL? (by IMR [OH]) Feb 18, 2020 5:55 PM
Any advice to tired LL? (by Mickie [OH]) Feb 18, 2020 6:15 PM
Any advice to tired LL? (by IMR [OH]) Feb 18, 2020 6:40 PM
Any advice to tired LL? (by IMR [OH]) Feb 18, 2020 6:40 PM
Any advice to tired LL? (by Mickie [OH]) Feb 18, 2020 7:42 PM
Any advice to tired LL? (by plenty [MO]) Feb 18, 2020 7:50 PM
Any advice to tired LL? (by myob [GA]) Feb 19, 2020 7:47 AM
Any advice to tired LL? (by AllyM [NJ]) Feb 19, 2020 9:24 AM
Any advice to tired LL? (by Busy [WI]) Feb 19, 2020 11:21 AM
Any advice to tired LL? (by Nicole [PA]) Feb 19, 2020 11:45 AM
Any advice to tired LL? (by Sisco [MO]) Feb 19, 2020 1:19 PM
Any advice to tired LL? (by IMR [OH]) Feb 19, 2020 2:22 PM
Any advice to tired LL? (by Mickie [OH]) Feb 19, 2020 3:55 PM
Any advice to tired LL? (by PG [SC]) Feb 19, 2020 6:42 PM
Any advice to tired LL? (by myob [GA]) Feb 20, 2020 7:10 AM
Any advice to tired LL? (by Rick [IN]) Feb 20, 2020 8:07 AM
Any advice to tired LL? (by pg [SC]) Feb 20, 2020 9:19 AM
Any advice to tired LL? (by myob [GA]) Feb 20, 2020 3:29 PM
Any advice to tired LL? (by pg [SC]) Feb 20, 2020 4:38 PM
Any advice to tired LL? (by Cjo’h [CT]) Feb 22, 2020 10:48 PM
Any advice to tired LL? (by Cjo’h [CT]) Feb 22, 2020 11:10 PM
Any advice to tired LL? (by Cjo’h [CT]) Feb 22, 2020 11:24 PM
Any advice to tired LL? (by IMR [OH]) Feb 23, 2020 9:24 PM
Any advice to tired LL? (by Jeffrey [VA]) Feb 24, 2020 7:56 AM
Any advice to tired LL? (by Robin [WI]) Feb 24, 2020 8:15 AM
Any advice to tired LL? (by PG [SC]) Feb 24, 2020 12:36 PM
Any advice to tired LL? (by IMR [OH]) Mar 11, 2020 11:29 AM
Any advice to tired LL? (by IMR [OH]) Mar 11, 2020 1:28 PM
Any advice to tired LL? (by Cjo’h [CT]) Mar 12, 2020 2:31 AM
Any advice to tired LL? (by Cjo’h [CT]) Mar 15, 2020 9:24 PM
Any advice to tired LL? (by Dave [NY]) Mar 16, 2020 3:16 PM
Any advice to tired LL? (by IMR [OH]) Posted on: Feb 18, 2020 1:29 PM Message:
After thirty plus years of land-lording three homes in a rural town in Ohio, we find ourselves in a predicament. This year one family that just moved in three months ago, is vacating the place due to job changes. They signed a one-and-a-half year lease. According to the lease, they have to pay two months rent for breaking the lease. Any ideas for how to enforce that?
A second home will be vacant maybe in April. These people can find no well-paying jobs in our town. The third home has been occupied by a family for about 13 years, and we estimate it will need about 10 thousand dollars worth of renovation after they leave. Yes, we did a poor job land-lording that property. This house will be vacated this year.
We just spent two months cleaning, updating etc. the nicest home.
We don't think we can keep this up. We are facing serious health issues, which may restrict our time and energy for teh future. No certain diagnosis yet..
WE are wondering whether or not we should sell the homes. We are asking, what you would do?
I have read about depreciation recapture taxes, roughly 25% of sales price and capital gains taxes on top of that. That takes a big chunk out of the sales price. The properties have not increased significantly in value over these 30 years.
Also, if we sell all three properties this year, we will be in a high tax bracket. We are planning to make an appointment with a tax consultant, to discuss this further. I just thought I would throw this out to all you landlords.... Maybe you would have some innovative, out of the box ideas for us. Thanks.
.
--174.105.xxx.xxx |
Any advice to tired LL? (by Robert J [CA]) Posted on: Feb 18, 2020 1:49 PM Message:
I know your problem. I had a friend who purchased a home with a partner. After a few years of issues they no longer like being landlords so they decided to sell.
So I told my friend to buy out her partner. Since there was little equity and the price got reduce because there was no broker involved, it only cost my friend $12,500 to buy her partner out.
Every time there were vacancies, repairs and stuff to deal with my friend called me to complain....Being a professional landlord and friend, I always helped out.
This property was in Venice California. A small home on the beach. They had paid around $125,000 for the property with a 25K down payment. So my friend had put around $35,000 into ownership, the repairs came from the profit from the monthly rent over the years.
After 27 years my friend had another vacancy. She painted, installed laminate and put up another for rent sign. Instead she got purchase offers. A home on the beach in Vence, CA is now price real estate. She sold the home for almost 1 million dollars.
She thought about things. In her 30 years a professional, she had only banked $250,000 in her retirement account. But in this 1 rental, she made $1,000,000 -- four times more than her saved salary....
I asked her what was my gift for making her hold on to the rental and banking a small fortune. Her response, she will no longer call to complain about tenants.
So as you know money goes down in value with inflation but real estate always head up over time... If you sell, only sell 1 property at a time...Like 1 every 2 to 5 years... Not everything all at once. --47.156.xxx.xxx |
Any advice to tired LL? (by myob [GA]) Posted on: Feb 18, 2020 2:05 PM Message:
Sell. I say that with sadness but the reality is you only have 3. If you would like honesty and not smoke here's my take and many here don't like honesty.
You never really got into it-- it's probably something that sounded good 30 years ago but face it only 3 properties had it been your cup of tea maybe you'd have more. I tell most investors unless you have 10 your just not going to keep up with WHAT'S REALLY HAPPENING day to day. You get a vacancy here and there-- you take an application once in a while-- deal with bad tenants and some good ones but the bad are always really bad-- why? because your not into it day to day.
We have 63 SFH's so every day we're working it-- I'm going on 7* -- can't put that last number in there, but I love it every day. Would i if I had 3 and for the past 30 years- NO way!
Now you have health issues (let's hope not) and the dreaded tax bill. DON'T LET A TAX BILL keep you from doing what you know you need to do. --99.103.xxx.xxx |
Any advice to tired LL? (by IMR [OH]) Posted on: Feb 18, 2020 2:06 PM Message:
Your story made us smile! Great story!
Two of our homes are in a small beach community, but the location aint Venice Florida!. We need a friend like YOU! --174.105.xxx.xxx |
Any advice to tired LL? (by Mickie [OH]) Posted on: Feb 18, 2020 3:10 PM Message:
What part of Ohio? --174.252.xxx.xx |
Any advice to tired LL? (by fred [CA]) Posted on: Feb 18, 2020 3:44 PM Message:
I read the excellent replies above, and considering your location, devotion to LLing, remodeling estimates and other factors, I too recommend selling, but not all in one year (talk to your CPA about this).
There is another option, personally I dislike it, which is hire a management company. However, at your location I would be hard to find a good and honest GM. I've always said that selling id better than hiring a GM.
One last question: do you have a younger family member who would be available to take over? --99.59.x.xxx |
Any advice to tired LL? (by Still Learning [NH]) Posted on: Feb 18, 2020 3:54 PM Message:
I would meet with your accountant, a real estate agent and property managers. Based on all the information you get, you can decide to continue all with a property management company, sell all or create a plan to sell 1 or 2 a year while someone else manages the others prior to sale.
--73.17.xx.xxx |
Any advice to tired LL? (by Carolyn [MO]) Posted on: Feb 18, 2020 3:57 PM Message:
I am going through somewhat of the same thing, except I had many more properties and have very much been into landlording.
My big problem was being severely injured in a car accident 5 years ago. It doesn't help that I am 78.
I have been selling many of my properties, which means a lot of taxes. I am most pleased with the situation of selling to a reliable renter, with my carrying the loan for a few years. My big tax hit then is when the buyer refinances and my loan is paid off. However, I also can use the money when that happens, mainly because of high medical bills and the cost of paying someone else to do the repairs I used to do.
I am searching for additional ideas now, so maybe some of the responses to IMR will also be useful to persons in a similar situation but with more properties to deal with. --136.34.xxx.xxx |
Any advice to tired LL? (by plenty [MO]) Posted on: Feb 18, 2020 4:30 PM Message:
Do you have children? When my mom was your age she gave each of us a property. I got one acre with a house (that had suffered a house fire) i joke it was just charred 2x4, and two mobile homes. The guy at the bank laughed at me when i tried to get rehab money pulled out. He said it wasn't worth anything! I just knew he was wrong as my mom wouldn't have given me something that was worth nothing. So it took a year and i gained alot of experience putting the house back together using the rent funds from the two mobile home rentals and zero percent charge cards. $30k total in rehab cost. Mom was there to hear my stories and support me along the way with her knowledge and wisdom. That was 25 years ago. She has passed away. But that acrea with the three rentals are still providing for myself and two now college aged sons, her grandsons. Any opportunity to pass on the houses to your kids? I have no idea if any about if mom had any tax consequences. She just added my name to the deed and i took over claiming income and expenses in my income taxes. She never said if she had any expenses on her side of the equation. --99.203.xx.xx |
Any advice to tired LL? (by Mickie [OH]) Posted on: Feb 18, 2020 4:40 PM Message:
Depending on where it's located (by a lake could be nice) you could do something like an Airbnb or market it as a vacation rental? If you sell you can do it a few different ways. You could sell them out right, sell to a renter with an option to purchase, RTO for a few years (which would give you time to stash cash for the eventual tax bite), you could also sell them to another investor and self finance so they bring in a little money and you don't have to be involved with dealing with tenants and toilets or move outs. It would as you probably already know spread out your tax burden. I've got 5 properties I'm purchasing that way (3 of them are in their 8th yr of a 15 yr owner finance). --199.253.xxx.xx |
Any advice to tired LL? (by WMH [NC]) Posted on: Feb 18, 2020 4:42 PM Message:
I agree with MYOB's assessment that you never really got into it. For those of us that love it, the search for the next one is almost an addiction. We STARTED with two units (a duplex) in 2003, and now have 35. And that's only because we don't want to drive more than 15 minutes to get to a place.
As advised, meet with your CPA, your Realtor and get ready to sell. --50.82.xxx.xxx |
Any advice to tired LL? (by IMR [OH]) Posted on: Feb 18, 2020 5:55 PM Message:
We so appreciate everyone's input. Two of the properties are at Apple Valley Lake, near Mount Vernon, Ohio.
What are your thoughts about putting properties in a trust? So many ideas are coming to mind these days.
--174.105.xxx.xxx |
Any advice to tired LL? (by Mickie [OH]) Posted on: Feb 18, 2020 6:15 PM Message:
I have several properties in the Mt Vernon area! I know exactly where Apple Valley is located. If you're interested in chatting send an email to ohmtvhomes@gmail.com --174.252.xxx.xxx |
Any advice to tired LL? (by IMR [OH]) Posted on: Feb 18, 2020 6:40 PM Message:
We have two daughters with families and jobs. I can't imagine they have time to manage the properties. One lives 1.5 hours away.
--174.105.xxx.xxx |
Any advice to tired LL? (by IMR [OH]) Posted on: Feb 18, 2020 6:40 PM Message:
We have two daughters with families and jobs. I can't imagine they have time to manage the properties. One lives 1.5 hours away.
--174.105.xxx.xxx |
Any advice to tired LL? (by Mickie [OH]) Posted on: Feb 18, 2020 7:42 PM Message:
If you decide to sell let me know. I may be interested in buying and have a few ideas on how to do this in a way that will be profitable and is an Avenue you haven't looked at yet. --174.252.xxx.xxx |
Any advice to tired LL? (by plenty [MO]) Posted on: Feb 18, 2020 7:50 PM Message:
I don't know how a Trust helps you in any way.
Sounds like Mickie might have options.
I would not discount where the daughters are in life to this opportunity. It took me a year to figure out how to put the house back to together,,,, i have two little ones tagging along, I have picture of them in the house, it was a busy, fun and exciting time, the kids just came along and did whatever I did. --173.127.xxx.xxx |
Any advice to tired LL? (by myob [GA]) Posted on: Feb 19, 2020 7:47 AM Message:
Read some help answers.. Sell all and move on. If you want property's back-- do seller financing and now you'll learn about foreclosures.
A trust-- what does that do? Turn over to daughter 1.5 hrs away? --99.103.xxx.xxx |
Any advice to tired LL? (by AllyM [NJ]) Posted on: Feb 19, 2020 9:24 AM Message:
Robert J. Amazing about Venice. I was there with my first husband in 1978 on our honeymoon. What a dump. CHIP copters circling looking for a murderer. Nude beach. Bodybuilders working out on the beach with their audience of pedophiles. Someone collapsed in vomit on a bench, and I think he was dead. No one bends in half like that alive. Almost got mugged when hubby went to use the men's room. Why there? He was a bodybuilder and wanted to see Gold's Gym on a budget and Ahhhhnold was speaking at some conference. Way before he was governor. --173.61.xxx.xx |
Any advice to tired LL? (by Busy [WI]) Posted on: Feb 19, 2020 11:21 AM Message:
It’s a little concerning that you have excitement for new ideas, yet have mentioned thousands of dollars of deferred maintenance. Easy to get juiced up about something, not so easy to implement?
I may find myself in a very similar situation in oh, ten-twenty years ( my crystal ball is broken.) My focus now is on tenant-proofing the properties, making them ever easier to maintain, easier to keep good tenants. I am also keeping an ear open for reputable property management companies, in case something comes up sooner than later. That would give me time to evaluate the situation at that time.
My houses are also in areas that haven’t seen much price appreciation, though with an eye-catching flip, Cimba is getting some great prices. If I were in your stage of life right now, your circumstances, I’d be sprucing the places up a bit and selling. No strings attached sales, no seller financing, as it sounds like your energies need to be devoted elsewhere, not in creating a new career as a banker. --70.92.xxx.xxx |
Any advice to tired LL? (by Nicole [PA]) Posted on: Feb 19, 2020 11:45 AM Message:
I see no mismanagement w/the 13 year tenant. $10,000 is $769 a year. With tenant retention, you had no lost months and no real (I am assuming) 'refeshening' between tenants. I'd say you're ahead on that one.
if you spent two months getting a place ready to rerent, that was too much time. You could have paid someone and gotten a tenant in there sooner ... perhaps a wash with the cost of labor versus the rent.
No idea about collecting the early termination fee. I would assume small claims and then wage garnishment if your state allows it.
As for no jobs in the area, that, along with your health, are your two biggest hurdles. I also vote on either property management--which I don't really ever think is a good move but perhaps an interim for you while you figure things out and then sell. --72.70.xxx.xxx |
Any advice to tired LL? (by Sisco [MO]) Posted on: Feb 19, 2020 1:19 PM Message:
You need to improve your screening process, Brad 20K offers a great lease on this site that outlines a successful screening process.
Next, determine if you want to learn new things or if you should hire this task out. Property management companies, hiring an realtor to do showings, hiring another helper/ hiring a repairman are all possibilities to lighten your load.
If your rental houses are debt free, and you could use some income, don't want to pay income taxes, you may be better off to keep going.
Selling to a younger investor and financing the deal may make sense.
But, if you more than anything else want nothing more to do with these houses, list them, sell them, pay your tax and forget about it. --67.43.xxx.xxx |
Any advice to tired LL? (by IMR [OH]) Posted on: Feb 19, 2020 2:22 PM Message:
Whoah! We feel envigorated by your responses. There are more options than we could have come up with on our own.
Don't know yet which way to go. Would like to keep the two homes for a while at least. They have been great cared for.
Mickie, I am happy to be able to email you. Right now our time is taken up with doctor appointments.
We appreciate everyone of you who took time to respond.
--174.233.xxx.xxx |
Any advice to tired LL? (by Mickie [OH]) Posted on: Feb 19, 2020 3:55 PM Message:
I hope you do. I have some thoughts with regards to giving the property with 10 yr tenants a face lift that will be less costly yet look more upscale. I would be happy to share that info and some of my contacts with you. --174.252.xxx.xxx |
Any advice to tired LL? (by PG [SC]) Posted on: Feb 19, 2020 6:42 PM Message:
IMR - Please consider this - to minimize worry use your time obtaining reliable information. Talk to fellow Land lords in your town. Get a market analysis from at least three local realtors - list/sell for no less than and maybe some help with property management.
Some may suggest appraisals - I have never found much value in appraisals. If you don't have a CPA get one preferably with experience in rentals. A good CPA should be able to quickly give you the total tax impact for selling one two or three houses.
Talk to a loan officer or Banker on the pros and cons of seller financing.
PLEASE IMR- Do NOT let the rental houses worry you to the point it impacts your health - get help in evaluating your "predicament".
MYOB - We all need honesty but how does "You never really got into it" help IMR at this time in his life?
--72.173.xxx.xxx |
Any advice to tired LL? (by myob [GA]) Posted on: Feb 20, 2020 7:10 AM Message:
PG "Really".? Every paragraph has incompetence written into it.
30 yrs-3 property's, what do I do? how do I get my money owed, 2 months to rehab, health issues, health issues too severe to keep them from asking a fellow ll (who offerred to help) from helping-- too many DR appt's.. Do I go on?
--99.103.xxx.xxx |
Any advice to tired LL? (by Rick [IN]) Posted on: Feb 20, 2020 8:07 AM Message:
If at all possible, take a short vacation. --68.51.xx.x |
Any advice to tired LL? (by pg [SC]) Posted on: Feb 20, 2020 9:19 AM Message:
MYOB - My point is some on the site deliver smooth and easy such as SID and Deanna and others deliver with a sledge hammer. Maybe IMR needed a sledge hammer.
Please HAVE A GOOD DAY. --72.173.xxx.xxx |
Any advice to tired LL? (by myob [GA]) Posted on: Feb 20, 2020 3:29 PM Message:
Fact is sugar coating don't get it-- nor does ulterior motives like products to sell.
PG you wanted to know how how they never got into helped and when I explained why I thought that, like many others, you give HAVE A GOOD DAY IN CAPS..
Do you feel superior now that you did that to my post to you? --99.103.xxx.xxx |
Any advice to tired LL? (by pg [SC]) Posted on: Feb 20, 2020 4:38 PM Message:
MYOB
You are correct sugar coating doesn't get it but some times all salt doesn't get it either.
The caps, probably shouldn't used them - no dis respect to your post intended. --72.173.xxx.xxx |
Any advice to tired LL? (by Cjo’h [CT]) Posted on: Feb 22, 2020 10:48 PM Message:
IMR,Do get in touch with Mickey,and try to stay away from the Doctors,they are not your friends,even though they may appear to be,Usually they just seem to be..............Charlie..............of course,the trip there and the people you meet will also help..................... --32.214.xxx.xx |
Any advice to tired LL? (by Cjo’h [CT]) Posted on: Feb 22, 2020 11:10 PM Message:
IMR,we hav three daughters,and all scattered around the Northeast so don’t underestimate distance,today it doesn’t mean too much, what with the internet and all the latest gadgets and some that we don’t even know about yet ?So I’d say, just hang in there...............Charlie......................re read Robert Js post...........I know that may not happen to you, but?............. --32.214.xxx.xx |
Any advice to tired LL? (by Cjo’h [CT]) Posted on: Feb 22, 2020 11:24 PM Message:
I don’t like selling anything,maybe it’s because we can trace our ancestors back nine or ten hundred years,....................Charlie............maybe. longer?...................................... --32.214.xxx.xx |
Any advice to tired LL? (by IMR [OH]) Posted on: Feb 23, 2020 9:24 PM Message:
PG (SC), we are going down your list of professionals to consult with. Loved your concrete advice. We gained great insights from each and every post. Also thank you Cjo'h for your concern. We are researching alternative natural remedies along with conventional medicines (for a disease with "no cure").
--174.105.xxx.xxx |
Any advice to tired LL? (by Jeffrey [VA]) Posted on: Feb 24, 2020 7:56 AM Message:
IMR, you asked for advice to a "tired" landlord. If you decide not to sell, I would suggest coming to the next Landlording Bootcamp. The training is exactly what a "tired" landlord can benefit from. More importantly, it will give you many ideas for minimizing your frustrations during the time you wish to keep the properties. It will also show you how to put yourself in a far better position where someone can take over managing various aspects of the rentals.
By the way, the truth of the matter is that most mom and pop landlords only have a few rentals even after doing this business for many years. Even if you only have a few rentals for supplemental income, it's still to your advantage to be able to get the maximum income possible from them, while reducing your frustrations.
Many come to the bootcamp because they are tired, burned out and are ready to throw in the towel. If you truly want to be invigorated, come and bring a family member or someone with you who you may want to transition the properties to at some point in the future. --70.161.xxx.xxx |
Any advice to tired LL? (by Robin [WI]) Posted on: Feb 24, 2020 8:15 AM Message:
Where in Ohio do you live? I have properties in Ohio and may be able to help you with alternatives as well. --204.210.xxx.xxx |
Any advice to tired LL? (by PG [SC]) Posted on: Feb 24, 2020 12:36 PM Message:
IMR - As you can see this site has some very good information from LL that want to help.
Now comes the hard part - deciding what is best for you and doing it.
Good Luck.
--72.173.xxx.xxx |
Any advice to tired LL? (by IMR [OH]) Posted on: Mar 11, 2020 11:29 AM Message:
PG
Thanks PG and Robin. With a diagnosis in hand, our attorney (a friend of ours) suggested we sell all three homes. We wont have the time to fix, renovate, clean and market the rentals. He has referred us to a reliable efficient realtor. We are in Mt. Vernon and by Apple Valley lake in Ohio. The profit from the sale will be limited due to recapturing taxes and capital gains taces.
ns. The return on our investment presently is much higher than we will get in the future. But with the homes having been paid off for many years, we have benefitted greatly. Thanks for your contributions. Good luck! --174.233.xxx.xxx |
Any advice to tired LL? (by IMR [OH]) Posted on: Mar 11, 2020 1:28 PM Message:
PG
Thanks PG and Robin. With a diagnosis in hand, our attorney (a friend of ours) suggested we sell all three homes. We wont have the time to fix, renovate, clean and market the rentals. He has referred us to a reliable efficient realtor. We are in Mt. Vernon and by Apple Valley lake in Ohio. The profit from the sale will be limited due to recapturing taxes and capital gains taces.
ns. The return on our investment presently is much higher than we will get in the future. But with the homes having been paid off for many years, we have benefitted greatly. Thanks for your contributions. Good luck! --174.233.xxx.xxx |
Any advice to tired LL? (by Cjo’h [CT]) Posted on: Mar 12, 2020 2:31 AM Message:
IMR,I know doctors are good,but always take their advice with a grain of salt,remember before the white man ever made it to these shores the Indian nations did OK without “doctors”???..........Charlie.................................. --32.214.xxx.xx |
Any advice to tired LL? (by Cjo’h [CT]) Posted on: Mar 15, 2020 9:24 PM Message:
IMR,With this so-called New Coronavirus will Maybe put a different slant on things,but don’t letitget to you.Theyre,here in Connecticut closing theConnecticut Department of Motor Vehicles,which maybe is a good thing,.They were never really very efficient ,maybe get rid of some of the deadwood,although maybe not,,but things usually happen for a reason,This might be it...............charlie.........Oh!Happy Saint Patrick ‘s Day too............ --32.214.xxx.xx |
Any advice to tired LL? (by Dave [NY]) Posted on: Mar 16, 2020 3:16 PM Message:
Just a point on the profit from the sale, if do sell you might look into selling in chunks over a few year period, a good attorney would allow you to gain on the sale over a certain number of years so that you won't incur high gains each year in taxable income and capital gains. Just thought I would mention that. Good luck. --184.74.xx.xx |
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