Thank you all for your input. I fully agree to be claiming and i do. I just recently talked to someone who does it "under the table" and she made it sound so good that I thought i would see what my professional friends had to say. I love the points you all made. Rachael i am a little hurt that you would be cruel and wish such negativity on me when I never EVER stated whether or not i actually claim. please try and think before you criticize someone like that.