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Subject:  Re: Which tax year to start? Date:  1/6/2000  7:13 PM
Author:  Bobbcat Number:  17456 of 87978

You are too late for 1998.

If you choose 1999, the 5 year holding period starts 1/1/1999 even if you make your contribution 4/14/2000. Giving you a headstart of up to 15 1/2 months.

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