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sorry for beating this to death but........... if you're planning to start a roth ira, wouldn't it make sense to

start this year? by making a $2000 taxable ira contribution in '97 to be converted to a roth on jan 1, aren't you

essentially seeding the roth ira early? or do you have to spread the basis over the entire ira, and cannot just

rollover the taxed portion? in other words, did i just screw up by recently rolling over a portion of my employee

savings plan into my ira, thereby severely increasing my tax basis? up until then, 50% of my ira was previously taxed and now it's been reduced to less than 5%. looks like a big mistake.

desperately trying to learn of all this foolishness,
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