telegraph wrote, If you have a separate IRA, that already existed in 2003, you can still make contributions in 2004 into that.Please correct me if I am wrong but the IRA account does not have to exist in 2003 to make a 2003 contribution in 2004. It is possible to establish an account in 2004 and make both the 2003 and 2004 contributions.The only guideline is that the 2003 contribution must be made prior to the tax filing deadline, excluding any extensions.dt
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