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A little off topic, but:

Anyone out there have a low expense approach to setting up and maintaining a Roth IRA? Dean Witter wants to charge $30/year, which I thought was high, until I looked at Datek, which charges up to $45/year, with a veiled threat to increase in '99 and onwards.

Also, if my wife & I file jointly and our AGI is ~ 100K, can I contribute up to $4000/year? Or is it just $2000?

Thanks,
Steve

btw, I use Datek for my taxable account and am very happy with their service...
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