Your mortgage company sends you what looks like another advertisement in the mail, but wait - don't throw it out. Open all your envelopes this month. Inside might be vital tax documents such as form 1098, the one that details your mortgage interest and property taxes paid in 2004. Atlanta CPA Kathie Gottlieb says look for another pesky form if you moved an IRA this past year from one place to another - form 1099-R.

"A 1099-R is used to report distributions not only from retirement accounts but also trustee to trustee transfers. If you receive a form 1099-R, you should report the gross distribution on line 15a or 16 a of your form 1040 and then on line 15b or 16 b you would report zero if in fact it was a trustee to trustee transfer."

Annoying perhaps says Kathie, but if you ignore the form you will get an audit notice from the IRS and that you do not want to have happen!

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