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<p>[QUOTE=&quot;Duke Kavanaugh, post: 978654, member: 20544&quot;]I&#039;d say no also but that&#039;s just my opinion.</p><p>Switching from a normal IRA to a Roth might be a good time if your income is down but that would be a roll over and not charge you the 10%.[/QUOTE]</p><p><br /></p>

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