JoanK, re taxes: Have you ever used AARP volunteer preparers or one of the other volunteer groups? They are trained, and if stumped will call on another volunteer. (I used to do it, but haven't for the past few years.) NOw I do mine, then take it to AARP, compare it, and let them file the return electronically, which they do for no charge. They don't do super complex business returns, but do handle most standard schedules except C, E, and F. And many have been doing taxes for years.