Thankyou to getting back to my post, first of all i only see him once a year only for about 30 mins. Reading your reply sounds little sarcastic & NO i don't know more then him but still 50% to me dose not sound correct. My post was a simple question that you twisted reverting the question back me. To me you sound like an accountant thats sick of people not taking your advise looking else where. My account has his own practice and I've been seeing him 10 years now. Don't come at me with your twisted sarcastic reply SO, YOU THINK HIS ADVICE TO YOU "DOES NOT SOUND RIGHT" IF YOU KNOW MORE THEN HE DOES, WHY DO YOU NEED HIS ADVISE. Its a shame mistyrains that people like your self who does sound like a very knowledgeable person and well-educated twists and completely does 360° turn on a simple question. As for denigrate their accountants thats your twisted words not mine. Thank you for not answering my question and wasting your own time replying to my post.