Good Morning:<br /><br />Jackie and Mary Lou, I am also experiencing slow page uploading, I thought it was my computer.  Mary Lou, congratulations to Deb, what a wonderful achievement, you must be so proud. <br />We were told by our accountant that if you have rental properties, you now have to enter into an agreement with your spouse.  What on earth for? He said he would file the appropriate papers.  I don’t understand any of this; I let my DH handle all IRS stuff.<br />To all my friends, have a great day <img src="http://www.cruisecrazies.com/community/images/forum/tr-emoticons/smile.gif" style="vertical-align:middle" emoid=":smile:" border="0" alt="smile.gif" /> .<br /><br />