I posted this question and in less than 30 minutes I had no less than 5 good answers, some with explanations, and two more the next morning. Thanks to each of you. I forgot to say I have RBase 6.5++ and Window XP with SP2.
 
This is how the variables for one label look now ( the label is based on a view):
1: TEXT     : D  : vNames1 = T_2.COMBNAMES & T_2.FamName
2: TEXT     : D  : vZipcodes = (IFNULL(Zipcodex,Zipcode,(Zipcode + '-' + Zipcodex)))
3: TEXT     : D  : vCityStateZip = City + ', ' + State + '  ' + vZipcodes
 
This seems to work exactly as I wanted, hence I don't understand Javier's reminder to be sure to use a dot (.) in front of the variables? Is this likely to cause me trouble later on?

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