MTrader Class (C) copyright MTrader
by Robert Green CPA of www.greencompany.com
[09:27] <KenWolff> welcome bob..
[09:27] <rgreen> thanks Ken and hello
[09:27] <KenWolff> we can start anytime you are ready Bob...
[09:28] <KenWolff> thanks for giving us some of your time...
during tax season..
[09:28] <rgreen> Welcome all, let's start now
[09:29] <rgreen> text in your tax questions and let's focus
on trader and investor tax issues
[09:29] <sanctus> can i ask a rather basic tax question?
[09:29] <rgreen> do most of you qualify for trader tax status
- business treatment?
[09:29] <sanctus> what are the quals.?
[09:29] <rgreen> have most of you elected mark-to-market accounting
IRC 475 for "tax loss insurance"
[09:30] <rgreen> yes, ask any questions you like
[09:30] <sanctus> nope
[09:30] <rgreen> Say yes or no if you are filing a Schedule
C for 2003 taxes to report your trading business expenses
[09:30] <sanctus> a trader has hundreds, thousands of trades,
must each buy and sell be entered in a spreadsheet for the IRS or
is there a simpler way acceptable?
[09:30] <rgreen> yes, you can report one line item per broker
[09:31] <rgreen> and not all the trade details
[09:31] <rgreen> use our examples guides to see how
[09:31] <rgreen> use our GTT TradeLog software to calculate
your gains and losses
[09:31] <d> you have an example?
[09:31] <rgreen> and then attach the GTT TradeLog report to
your tax return, or leave it off
[09:31] <rgreen> we have done one line reporting per broker
for over 20 years
[09:31] <rgreen> and never had a problem
[09:32] <sanctus> "leave it off" means???
[09:32] <rgreen> the examples are here http://www.greencompany.com/Traders/GuidesSecuritiesTraderExamples.shtml
[09:32] <rgreen> you don't have to even attach our GTT TradeLog
report and can "leave it off"
[09:32] <rgreen> just reconcile total sales to your Form 1099
so the IRS doesn't ask questions
[09:32] <rgreen> then enter the profit or loss you are certain
of from your accounting
[09:32] <sanctus> i see just post the results that your software
produces and IRS is happy
[09:33] <rgreen> then plug the cost basis number on Schedule
D for the difference
[09:33] <rgreen> Say CyberTrader trading ac 1234 - details
available on request
[09:33] <rgreen> make sure to account for wash sales if you
don't have mark to market accounting IRC 475
[09:33] <rgreen> our GTT TradeLog software calculates your
wash sales for you
[09:34] <rgreen> yes, IRS is fine with one line item reporting
and remember, they see your Form 1099 list of all securities proceeds
[09:34] <sanctus> right
[09:34] <rgreen> 1099s leave lots out, so you need good accounting
on your own, unless you only trade commodities and futures
[09:34] <rgreen> commodities and futures are reported on 1099
line 9 aggregate profit and loss and that one number is entered
on Form 6781
[09:35] <sanctus> but your GTT software will assist with that
[09:35] <rgreen> but all other types of traders don't get
their profit or loss from the 1099
[09:35] <rgreen> securities traders just get sale proceeds
not purchases and it doesn't account for wash sales or opening and
[09:35] <rgreen> options traders just get proceeds and purchases
in supplemental information from some brokers but not all.
[09:36] <rgreen> single stock futures and currencies are usually
left off the 1099 entirely
[09:36] <rgreen> not sure what you mean sanctus. Yes, our
accounting is good and proper
[09:36] <rgreen> text in more questions
[09:36] <rgreen> show of hands, how many people have trader
tax status and don't - text yes tts or no tts
[09:37] <KenWolff> any red hot areas that might draw an audit
we should be watchful about bob??
[09:37] <Electron> yes tts
[09:37] <carol> no tts
[09:37] <sanctus> no tts
[09:37] <rgreen> yes, the IRS audits traders more now especially
since many botch their tax return reporting
[09:37] <calyx> no tts
[09:37] <drknight71> no tts
[09:37] <sanctus> darn
[09:37] <calyx> but will '04 and will MTM
[09:37] <rgreen> see http://www.greencompany.com/Traders/TraderIRSExams.shtml
[09:37] <rgreen> we have an entire new section in our Law
& Benefits guide on IRS exams and how to prevent them and win
[09:38] <sanctus> Mr. Green, i meant your GTT software will
asssist me in making my accounting "good" right?
[09:38] <rgreen> http://www.greencompany.com/Traders/GuidesTraderTax.shtml
[09:38] <rgreen> if you are a part time money losing trader
with MTM ordinary loss treatment and get large refunds, the chance
of IRS exam is higher
[09:38] <calyx> bob, i am using your GTT product for '03 and
I'm going nuts trying to get it to match with my 1099B from my broker.
How close do they need to be before a flag is raised?
[09:38] <rgreen> how many traders here are part time - text
in yes pt or no pt
[09:39] <carol> no pt
[09:39] <sanctus> no pt
[09:39] <calyx> no pt
[09:39] <dan409> no pt
[09:39] <rgreen> the reason GTT TradeLog might not reconcile
to your 1099 is because you may have option sales in GTT TradeLog
which are not included in securities proceeds on your 1099
[09:40] <rgreen> call Dave Eich of GTT TradeLog for free tech
support to help reconcile
[09:40] <d> pt
[09:40] <rgreen> if you get audited by the IRS contact us
[09:40] <Electron> no pt
[09:40] <calyx> thank you
[09:40] <rgreen> we can educate the IRS about you trader tax
status and have them "recon" the exam, that means reconsider
it and retract it - which means they close it even before it happens
[09:41] <calyx> how often are broker's 1099b's wrong?
[09:41] <rgreen> we won several IRS exams like this recently
[09:41] <d> pt = part time? you need to have ather job, to
[09:41] <rgreen> another way to get yourself audited is to
report your losses incorrectly and directly on Sch C. Lot's of traders
and even CPAs make this mistake.
[09:41] <rgreen> There are lots of filing nuances so get our
examples guides - one for securities and another for commodities,
futures and currencies
[09:42] <rgreen> first order of business for traders is to
get trader tax status - even after the fact now for 2003 before
[09:42] <rgreen> you can even amend tax returns for the past
3 years to fix them for trader tax status and get refunds
[09:42] <rgreen> but MTM mark to market accounting must be
elected by 4/15 for the current tax year "in advance".
So for 2004 elect by 4/15/04
[09:43] <rgreen> if you elect MTM and then don't have trader
tax status, don't worry you can't use it anyway
[09:43] <rgreen> plus you can use MTM on trading positions
only and "segregate" investment positions to get tax deferral
on long term positions
[09:43] <rgreen> and then the lower long term tax rate up
to 15% on those long term investment positions
[09:44] <rgreen> broker 1099s are usually right and come from
the same system that generates monthly statements
[09:44] <rgreen> but some brokers make errors in tax treatment.
[09:44] <rgreen> for example Interactive Brokers has had several
errors over the years
[09:44] <rgreen> IB left out commissions one year
[09:44] <rgreen> This year it's something else, but I forget
off the top of my head
[09:45] <rgreen> It is wise to use our TradeLog family of
trade accounting products to check your monthly statements and 1099s
[09:45] <calyx> IB is who i'm using and my year end statement
total gross does not match the 1099b so i think they messed up,
thank you...now getting them to help you, is the other challenge
[09:45] <sanctus> does your firm offer a service whereby a
trader hands over all statements and you do basically all the work?
aproximate fee for a daytrader?
[09:45] <rgreen> download a free trial version of the TradeLogs
and take a tour here http://www.greencompany.com/Traders/Software.shtml
[09:45] <rgreen> Barron's said GTT TradeLog is the best program
for traders several years in a row.
[09:46] <rgreen> Two great Barron's reviews of GTT TradeLog
in 2004 see http://www.greencompany.com/EducationCenter/InTheMediaBarrons.shtml
[09:46] <calyx> (I'm not a plant) the software is excellent
guys and will save you in the long run on expensive accounting time
[09:46] <rgreen> download all your trades into GTT TradeLog
and then import the results into TurboTax
[09:47] <rgreen> If you have another job besides trading,
or another business activity, then you are part time and the qualification
for trader tax status bar is raised by the IRS
[09:47] <rgreen> Explain your qualification and why you can
be a business part time trader on your tax return in the footnotes
[09:47] <rgreen> we give you footnote examples in our examples
[09:48] <rgreen> if you don't explain it, you can increase
your chance of IRS questions or exam (audit)
[09:48] <rgreen> yes, our firm can do everything for you
[09:48] <rgreen> we can do the GTT TradeLog accounting work
for you. It takes about one hour per brokerage account. We charge
$125 per hour for one of our CPAs on this work.
[09:49] <rgreen> for GTT TradeLog accounting work see http://www.greencompany.com/Traders/TraderAccounting.shtml
[09:49] <_francacourelli> do you have to re-explain your status
to them every year, or just the first year of MTM filing?
[09:49] <rgreen> We also can prepare your entire tax return,
that is our main business. See http://www.greencompany.com/Traders/TraderTaxPrep.shtml
[09:49] <calyx> good question, ya?
[09:49] <rgreen> Trader tax returns, including full federal
and state returns and spouse etc cost around $650 if you have trader
[09:50] <rgreen> if you don't have trader tax status, then
we share the pain and the same service costs around $400
[09:50] <rgreen> see http://www.greencompany.com/Investors/InvestorTaxPrep.shtml
for our investor tax prep services
[09:51] <rgreen> thanks, yes our software saves time, helps
check your broker and when we prepare your returns it cuts down
on our tax prep fees.
[09:51] <rgreen> you don't explain your trader tax status
when you elect MTM, you just elect it. You file a Schedule C which
means you have business status (trader tax status)
[09:52] <rgreen> you explain trader tax status and all the
rules in the footnotes since most IRS processors and agents are
not familar with the rules and this nips questions in the bud
[09:52] <rgreen> plus if you are parttime the footnotes explain
that as well.
[09:52] <rgreen> the footnotes also explain some special GTT
[09:53] <rgreen> like transferring some trading gains from
sch D or Form 4797 (if MTM) to Sch C to unlock home office and 100%
[09:53] <rgreen> this transfer is a great strategy, but you
must do it right, so no questions are asked
[09:53] <rgreen> home office is a great deduction for most
[09:53] <rgreen> but home office deductions are only allowed
if you have business income
[09:54] <rgreen> Schedule C expenses wind up with a Sch C
loss, so there is no income
[09:54] <_francacourelli> that's what I meant to ask---do
you have to explain in footnotes each year or just the first, if
nothing has changed from previous years?
[09:54] <rgreen> Only by making the transfer from D or 4797
to C do you create the income on Sch C to free up these deductions
[09:54] <rgreen> but only transfer enough trading gains (no
investment gains are allowed) to "zero out Sch C,"
[09:55] <rgreen> If you show a gain on Sch C the IRS may look
for self employment taxes (SE taxes), even though traders are exempt
from SE taxes on trading gains
[09:55] <rgreen> yes, when you file a trader tax return, you
are including trader tax return explanation footnotes every year
[09:56] <rgreen> But once you elect MTM the first year, you
don't elect it again in the following years, unless
[09:56] <rgreen> unless you exit the trading business and
then re-enter it
[09:56] <rgreen> Don't forget MTM is a two step process
[09:56] <rgreen> first you elect MTM by 4/15/04 for 2004
[09:56] <rgreen> and second you file a Form 3115 Change of
Accounting Method with your 2004 tax return in 2005 (and a duplicate
copy to the IRS National Office)
[09:57] <rgreen> All you need for MTM elections and Form 3115
examples are in our guides
[09:57] <rgreen> keep texting in questions, thanks
[09:57] <rgreen> home office deductions require exclusive
use of a room in your home for business purposes.
[09:58] <soishe> is it true that you must have at least 500
trades/yr and have at least 1 trade per wk to qualify as a daytrader?
[09:58] <rgreen> Then take the square footage of that room
versus the entire home for the business percentage
[09:58] <calyx> are all tax preperations done through you,
done over the phone and email, or do you have person to person meetings?
[09:58] <rgreen> Then apply that percentage to all "indirect
expenses" for your home like utilities, rent, mortgage interest,
real estate taxes, insurance, cleaning, security, lawn care, the
[09:59] <rgreen> yes, we are a virtual firm and it works great.
Clients like email records of their questions and answers so there
is no confusion. You mail, fax and email your papers. It's faster,
cheaper, more efficient and you don't have to leave your trading
[09:59] <rgreen> Read about our virtual process here http://www.greencompany.com/Company/Process.shtml
[10:00] <rgreen> and here http://www.greencompany.com/Traders/TraderTaxPrepProcess.shtml
[10:00] <rgreen> we do meet our clients at Online Trading
Expos in Vegas, New York City and Chicago. A few clients visit us
in NYC or otherwise. One you go virtual, you won't go back - it's
[10:01] <rgreen> Yes, the number of trades you have is a big
factor is determining if you have trader tax status or not
[10:01] <calyx> how do you inform clients of time being charged
for your services?
[10:01] <rgreen> There is no fixed number of trades of other
objective tests for trader tax status
[10:01] <rgreen> We like to see several trades per day every
or almost every trading day
[10:02] <rgreen> Other factors are if you run the trading
activity like a business
[10:02] <rgreen> you must trade frequently, continually, substantially
and not have any sporadic lapses in trading
[10:02] <rgreen> taking off for vacations or other good reasons
[10:02] <rgreen> but trading for only a few months during
the year is a problem
[10:02] <rgreen> holding periods should be very short, days
to a week or more, but not months
[10:03] <rgreen> time spent in your trading business should
be almost half of every day and not one hour per day
[10:03] <rgreen> expenses for tools and services should be
serious and not close to nothing
[10:03] <rgreen> Your intention is key but hard to document
[10:03] <rgreen> your intention should be to make profits
from quick swings in price and not long term price appreciation
[10:04] <rgreen> if you are shorting stocks or trading commodities
and futures, it's hard for the IRS to argue you are investing for
long term price appreciation
[10:05] <rgreen> we send clients detailed invoices showing
our time and we keep them informed. We don't want surprises and
upset clients over billing. That leads to losing clients, the last
thing we want
[10:05] <rgreen> We want long term relationships. If our time
is higher then quoted, we cut our hourly rates to get the fees down.
We aim to please
[10:05] <rgreen> We always like the tax savings results to
make you tons of money and for our fees to be a fraction of the
savings - so in a sense Uncle Sam is paying us not you
[10:05] <calyx> hmm
[10:06] <rgreen> For more information on our fees, quotes
and retainers, see http://www.greencompany.com/Traders/TraderTaxPrepCosts.shtml
[10:06] <rgreen> keep texting in your questions, did I miss
[10:07] <rgreen> how many of you have a trading entity like
a LLC or S-Corp or otherwise. Text in yes entity or no entity
[10:07] <carol> no entity
[10:07] <catman> yes entity
[10:07] <rgreen> test
[10:08] <rgreen> another firm recommends entities for all
traders but that is a rip off. Don't spend thousands with them on
entities unless you need one
[10:08] <rgreen> you need one for a retirement plan and health
[10:08] <rgreen> you don't need an entity for trader tax status
and business deductions.
[10:08] <rgreen> An entity can increase your chance of IRS
exam, not decrease it as this other firm states.
[10:09] <rgreen> The reason you need an entity for a retirement
plan and health insurance is because
[10:09] <rgreen> because you need to create earned income
for these deductions and trading gains are not earned income
[10:09] <rgreen> the entity pays you a administration fee
which is earned income
[10:10] <rgreen> Again, show of hands, who is interested in
entities - text interested in entities or not interested in entities
[10:10] <rgreen> If I overlooked your questions, please text
it in again
[10:10] <Electron> yes entities
[10:11] <rgreen> For retirement plans, we like the Mini 401k
plan and the new Mini Defined Benefit DB plans. You can sock away
up to 41k in the Mini 401k and 165k in the Mini DB plans. You get
a tax deduction on that entire amount
[10:11] <rgreen> So 41k or 165k deduction times your maginal
tax rate of up to 35% federal plus state is some nice tax savings
[10:11] <rgreen> On the flip side you owe SE taxes on the
fees you pay yourself
[10:12] <rgreen> SE taxes are 15.3% up to the first 87k and
2.9% unlimited afterwards.
[10:12] <rgreen> You save more in income taxes then you pay
in SE taxes
[10:12] <rgreen> plus income taxes are "bad" and
SE taxes are "good" or better.
[10:13] <rgreen> SE taxes help pay you social security benefits
after age 65 plus you get Medicare, which can pay for bypass surgery
and other every expensive things you will need for your health
[10:13] <rgreen> For examples of the savings with retirement
plans see http://www.greencompany.com/Traders/TraderRetirement.shtml
[10:14] <rgreen> You can also trade your retirement accounts
like a business, but stay out of the following trouble
[10:14] <rgreen> ERISA and tax rules limit your trading in
[10:14] <rgreen> We wrote a great article on trading your
retirement plans for Active Trader and Fidelity Investments used
it for their next Active Trader newsletter
[10:15] <rgreen> see http://www.greencompany.com/Traders/TraderRetirement.shtml#tradingretirement
for this article
[10:15] <rgreen> speaking of health insurance, do you all
[10:15] <rgreen> text in yes have hi or no hi
[10:15] <calyx> yes hi
[10:15] <rgreen> A great new way to get low cost "group
rate" health insurance is in our new GTT Alliance for Traders
[10:16] <rgreen> Read about our GTT Alliance for Traders here
[10:16] <calyx> interesting
[10:16] <rgreen> Please join our Alliance soon. The more traders
we have, the better rates we can negotiate on health, life and disability
insurance and much more
[10:17] <rgreen> did I miss any questions, text in more as
[10:17] <rgreen> what kind of entities do you have? LLCs,
single member LLCs, S-Corps, C-Corps, general partnerships?
[10:18] <rgreen> C-Corps are a very bad idea - double taxation
and losses are trapped in the entity and not deducted on your individual
return, where you could get tax refunds right away
[10:18] <calyx> if you were to take on a new client for tax
preperation, how liable are you for their past tax accounting?
[10:18] <rgreen> Has any filed for a net operating loss NOL
carryback refund claim. Text in yes nol or no nol
[10:19] <rgreen> when we sign up new tax prep clients, we
are only liable for the tax returns we prepare, not old ones
[10:19] <calyx> yes
[10:19] <rgreen> if you want us to review an old return, we
can tell you if you can file an amended return for refunds
[10:19] <rgreen> but if an amended return generates a tax
bill, you can skip that, we don't force you to file one
[10:19] <rgreen> we have 11 minutes left, text in some more
[10:20] <calyx> so, to get started, $500 retainer?
[10:20] <rgreen> if you need help with trader tax status -
the key to unlock all the other trader tax benefits consider a 15
minutes consultation for $65
[10:20] <rgreen> sign up for consultations here http://www.greencompany.com/Traders/TraderConsulting.shtml
[10:20] <bosco> i worked until may 03, then started trading
, would i be able to get trader tax status
[10:21] <rgreen> yes, new trader clients retainer is $500,
but $400 if you are upgrading from a consultation or if you bought
our bronze package of guides
[10:21] <rgreen> New investor clients with no trader tax status
have retainers of $300 and upgrades of $250
[10:21] <rgreen> if you buy our guides and later sign up for
preparation, you get a credit for the guides, since they come free
[10:21] <rgreen> Preparation clients get login access to the
guides, mag articles and other resources
[10:22] <calyx> gotcha, just trying to get an estimate ahead
of the clock starting, if I were to use you
[10:22] <rgreen> entity formation clients pay a retainer of
$400 and get login access to that section
[10:22] <rgreen> The TradeLog software has many price points
this year. So if you have 300 or 1000 trades only, you pay much
[10:23] <rgreen> yes, if you stopped work in mid 2003 and
started trading full time (or even part time), you can have trader
tax status for a "part year."
[10:23] <rgreen> we have part year examples in our examples
[10:23] <rgreen> you take your Sch C business expenses for
the period of the year you were in business only
[10:25] <rgreen> We strive for the $650 fee for traders and
$400 fee for investors.
[10:25] <rgreen> 5 minutes left any more questions
[10:25] <rgreen> there are tax differences between securities
and commodities/futures and currencies
[10:25] <calyx> still $650 if we do our own GTT importing?
[10:25] <rgreen> see the key differences here http://www.greencompany.com/EducationCenter/GTTRecSecuritiesVsCommodities.shtml
[10:26] <rgreen> yes $650 if you import your own trades, but
it can be closer to $550 if you are very well organized and use
our e-organizer to send us your tax info
[10:26] <rgreen> we import the e-ogranizer into our Lacerte
software and can e-file afterwards
[10:26] <rgreen> securities include stocks, stock options,
ETFs, mutual funds and bonds
[10:27] <rgreen> securitites are taxed with capital gains
rates. Short term rates are ordinary rates up to 35%.
[10:27] <calyx> at what point can a client "turn back"
from using you if it appears it might not be a good match? what
hapens to the upfront retainer?
[10:27] <rgreen> long term rates are up to 15%, but securities
traders rarely hold positions for 12-months for the long term rates
[10:27] <rgreen> commodities and futures are 1256 contracts
and they have 60/40 treatment, lower tax rates
[10:28] <rgreen> the blended 60/40 tax rate is 23%, 60% up
to 15% and 40 up to 35%
[10:28] <rgreen> currencies (forex and interbank) are ordinary
gain or loss under IRC 988, but you can elect out of 988 for 1256
60/40 treatment, which is a good idea
[10:29] <rgreen> learn about everything we discussed today
in the GTT Tax Center at http://www.greencompany.com/EducationCenter/GTTResources.shtml
[10:29] <rgreen> GTT powers the Tax Centers for CyberTrader,
TerraNova, ETRADE Professional, OptionsXpress, MarketWise and others
[10:30] <KenWolff> thanks Bob...
[10:30] <rgreen> a client can stop using us anytime they want.
If you cancel after signing up for the retainer, we do charge you
for our guides, since you get those free with retainer.
[10:30] <rgreen> If you want to use us one year and try to
do your returns on your own the next year, that's fine too
[10:31] <_scorpio> Hello Robert, do you have anything to say
about foreigners that trade in the US Markets?
[10:31] <calyx> ok, thank you very much
[10:31] <rgreen> you can also work with us to review your
[10:31] <rgreen> use our software to download your trades,
then import into Turbotax and then email us your turbotax file
[10:32] <rgreen> we can fix your turbotax file or convert
it to our professional Lacerte software, also owned by Intuit.
[10:32] <rgreen> we aim to please and work with you however
[10:32] <_scorpio> I see.
[10:32] <rgreen> self help with our guides and software
[10:32] <rgreen> consutlations for trader tax status, review
your tax return, entities and much more
[10:32] <calyx> and about how much would you estimate that
path to cost?
[10:32] <rgreen> or full tax prep and entity formation services
[10:32] <rgreen> also we have a full line of hedge fund services
[10:33] <rgreen> if others ask you to trade their money, you
need to stay clear of trouble with the states and SEC
[10:33] <rgreen> if you trade for others and get compensated
you may need to register as an investment advisor
[10:33] <rgreen> in CA, if you have one paying client for
investment management, in a partnership or otherwise, you must register
as a RIA in CA
[10:34] <rgreen> we can form your hedge funds with our law
firm GreenTraderLaw.com and then do the accounting, audit and tax
work with GreenTraderTax.com
[10:34] <rgreen> We have excellent attorneys in GreenTraderLaw
and contact us whenever you need legal help
[10:34] <KenWolff> you have any bailbonds guys??
[10:34] <rgreen> sign up for one hour to review your tax returns
and consult you on many other issues. That costs $225
[10:35] <sanctus> thanks alot, major help!!!
[10:35] <rgreen> Ken, do we need to stop now after the one
hour? How long are we scheduled for?
[10:35] <rgreen> Did I miss anyone's questions?
[10:35] <KenWolff> you can go as long as you like..
[10:35] <sanctus> yea we need to hang on every word of Greenspan
[10:35] <rgreen> just see some new posts, so will read and
[10:35] <sanctus> hopefully not hang
[10:35] <KenWolff> we don't have jobs and no one cares where
we are or what we do
[10:36] <rgreen> no bailbonds guys on staff but our lawyers
can arrange if you need
[10:36] <sanctus> except my wife who would prefer i start
[10:36] <KenWolff> LOL
[10:36] <calyx> bob, is a retainer necessary for the turbotax
[10:37] <rgreen> Well I guess we finished the hour ok and
since no more questions, thanks all for inviting me.
[10:37] <KenWolff> thanks bob!!!
[10:37] <rgreen> Please come to our weekly PalTalk voice text
chat sessions every Thursday at 4:15 - 5:15pm ET, unless you have
a more important class at mtrader
[10:37] <KenWolff> appreciate your time..
[10:37] <rgreen> use our Message Boards
[10:38] <rgreen> We will give VIP service to all mtraders,
so sign up soon
[10:38] <rgreen> Still plenty of time left to help with 2003
[10:38] <rgreen> ken, please prepare a text archive of this
session for your site and our site
[10:38] <rgreen> thanks all and good luck with your taxes
[10:38] <KenWolff> OK>. will do Bob
[10:38] <KenWolff> I plan to put this on our site..
[10:39] <rgreen> We aim to cut your tax bills, get you bigger
and faster refunds, save you headaches and keep you out of trouble
with the IRS.
[10:39] <rgreen> We have been doing this well for over 20
[10:39] <catman> Thanks for the info
[10:39] <calyx> I'm in; thanks bob
[10:39] <Gimmie> thank you for the informative class !!!
[10:40] <rgreen> Also make sure to catch my monthly articles
in Active Trader, SFO and Futures magazines
[10:41] <Gimmie> ok.. will do.. thanks !