OK, so I'm a little confused. If my income is 30,000 where does the 7,650 come from? 30K puts me in the 15% tax bracket period, right. Seems like if I had capital gains of 7,650 I would still be in the 15% tax bracket and that would be that. The capital gains rate for the 15% tax bracket is 0% so I would not pay capital gains. This stuff is harder than Chinese arithmetic. John
