I agree with Pixy that it's very difficult to estimate tax rates more than a few years in the future. But if you want to be better informed about current tax rates you may want to visit:Your Tax Brackethttp://www.fairmark.com/begin/bracket.htmMy own feeling about the Roth IRA is that unless you're getting matching money in a 401k plan it's the way to go if you're a long way from retirement. But there's plenty of material on my web site to help you choose for yourself. Start with:Roth IRA Rules of Thumbhttp://www.fairmark.com/rothira/thumb.htmFrom there you can go to eight other pages dealing with Roth IRA decision factors, if you want that much detail.Kaye Thomas, authorFairmark Press Tax Guide for Investorshttp://www.fairmark.comIncludes a new guide to estimated tax
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