This is where you seek the advise and assistance of a professional tax preparer. Do it now… Don’t wait around and scratch your head until April 13th, and then go looking for help. You can ask for advise on forums like this, but you can’t trust the advise you receive. It is in fact worth exactly what you paid for it. But… if you follow that advise, it could end up costing you a lot more than if you’d sought out the assistance of a competent professional to begin with.