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1. Upon reaching age 70 1/2, is there any difference between an IRA and a 401 regarding the Required Minimum Distribution (RMD)? I have not converted my 401 to an IRA, and I'm just wondering if there are any advantages to not doing so.

2. If I have my 401 with company A, and still working either part or full time for company A, am I still required to take a RMD when I hit 70 1/2?

3. If I have my 401 with company A, retire from them, but go back to work full or part time for company B...will I be required to take a RMD when I hit 70 1/2?

I trust that telling the IRS that I feel like I'm only 29 probably won't fly with them as a reason to avoid the RMD. I'll consult with Jose Quervo this week end.
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