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<<Ray, you said:

Pixy, I have to strongly disagree with you here.

Of course you do. :-) That's what makes things interesting.

In reality, when it comes to a Roth -- and particularly conversions -- it's a bet. IMHO it all boils down to my favorite saying: "Ya makes your choices and ya lives with the results."

Regards....Pixy >>

Cool! I much prefer it when people can disagree without calling each other names. That's what makes these boards so much more fun than the Yahoo boards and Usenet.

I heard it as "Ya pays your money and ya takes your chance."

I *really* like a Danny DeVito quote from a movie, "The choices we make determine the type of life we lead."

Not quite to the same point, but I love in nonetheless.

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