If you turn 50 in Dec. of 2003, Can you contribute $3,500 on Jan 1, of 2003 or have to wait to Dec of 2003 to contrubute the extra $500.00? Dennis, I was just the messenger of that piece, I really have no clue. But you can ask the question here on a new thread, and get a good reponse, I'm sure.Richard
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