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I have a few IRA related questions that I cannot seem to locate clear answers on.

1. In 1999 I will be employed by a company that provides a 401K plan, my wife's company does not. This being the case can I make tax deductible contributions to an IRA for my wife only? Non-deductible for myself? If so what are the income limitations?

2. If we decide to make Roth IRA contributions this year (we should be under the limit), can we do this in addition to the regular IRA contributions above, or is it one or the other?

3. If we make Roth contributions and end up over the limit, I understand we can redesignate those as traditional IRA contributions. What is the timeframe for having this done by? Would my wife's still be deductable at that point?

4. What websites are out there that provide clear answers to these types of questions? I have had a hard time locating any that address this in detail.

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