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Tom... regarding transfers and rollovers... they are virtually one in the same... that is the "safest" way to switch your tax deferred savings from one account to another... if you have the money sent to you with the ability to cash it yourself... it is a BIG temptation... but keep in mind the 20% penalty on any cash you take from it PLUS the fact that it is also added to your yearly income and depending on your tax bracket... there is another 15 to 28% or more on top of that..... i recently had a transfer (rollover) done for me to my money market account account at my bank and the check was made out to my bank as a custodian for my account... I am not one that can resist temptation <G>
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