Thanks Pixy!So there really isn't a benefit to switching the contributions to 2002 then. I thought that if I switched them over I might avoid the penalty. Or am I missing something here?If I have to pay the penalty anyway, would it be a good idea to keep the money in for 2001 and make another full year's worth of contributions for 2002? I also saw an option to withdraw the contributions before the date I file to avoid the penalty. However, since it was all equity contributions, I would still take a loss. Again, doesn't seem like a good idea.(Basically, I discovered that I was not eligible to contribute any amount and I contributed the maximum amount, so we're looking at 2K here.)Thanks,OLF
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