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Dear Kilmarnoch,

I read a number of your Roth IRA and regular IRA comparison charts and commentary. I do find them both enlightening and confusing.

Do you have any current thoughts or reflections on the matter since the time you posted these messages?

I'm thinking that conversion would just place me in a higher bracket that would defeat the benefits of a Roth IRA. Partial conversions over a few years may work out better for most people.

Any comments are welcome. Janzy
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