The answers in the beginning of this thread seem incorrect now because they are OLD. When the user forum changed from Answer Xchange to Real Money Talk in June 2019, a lot of old threads migrated over with June 2019 dates on them, even though they may have been a year or more older. At the time the reply was given, the answer was correct--but the tax laws changed.
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
