Hey Pixy:Thanks so much for the help. You fools are doing a fabulous job of staying on top of all these boards. I thought of one more question after reading your response to jnamken (#534). what I'm wondering is if I have to figure the value of my traditional IRA on 1/1/98, or can I watch the value and roll to Roth when the value drops. I doubt it will make much difference with my small amount (+/- 11K), but I do have some stocks in the IRA which are pretty volatile. Thanks again,JMB
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