Part of the issue with this question is that it was rolled over from the "old" forum. When that occurred it messed up the date of the actual question and responses. This has been an issue with many questions. Just keep that in mind since some of the responses may have been responding to "older" tax law.
*A reminder that posts in a forum such as this do not constitute tax advice.
Also keep in mind the date of replies, as tax law changes.
