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Kathw asks:

Q1: What is the EARLIEST date I could recharacterize to standard IRA?

As soon as you may arrange it with your Roth provider.

Q2: What is the EARLIEST date I could then re-convert back to Roth?

The later of the beginning of the next tax year (January 1, 2002 in your case) or 30 days after the recharacterization. If you get the recharacterization done by November 30, 2001, then you may reconvert no earlier than January 1, 2002. If you wait until December 10, 2001, to get the recharacterization done, then you must wait until at least 30 days goes by to reconvert, or until January January 11, 2002.

For details, see IRS Publication 590 )Individual Retirement Arrangements) available for download at TMF Taxes also wrote a good piece on the topic at


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