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Ed writes:

<<However, why don't you even mention that in your best case scenerio of paying ordinary income tax of $2,800 and not rolling it over to an IRA that if the taxpayer was born before 1936 he could take it as a Lump Sum Distribution with 10 year averaging and pay only $1,100 of taxes instead of $2,800 on his $10,000? Check out Form 4972. >>

That's a good point. Come the next revision, I'll do that.

<<Further, if the taxpayer is the the FET brackets with no apouse, the cardinal rule should be DON'T DIE WITH AN IRA under any circumstances. Any cash-in tax you pay will effectively be between a 37% and a 55% after tax investment gain for your heirs.>>

Also a statement with which I agree totally.


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