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	<title>Roth IRA Help &#187; Roth IRA</title>
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	<description>Expert Advice</description>
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		<title>Former Homeowners: Use Roth IRA to Buy Another Home</title>
		<link>http://www.rothirahelp.com/roth-ira/former-homeowners-use-roth-ira-to-buy-another-home/</link>
		<comments>http://www.rothirahelp.com/roth-ira/former-homeowners-use-roth-ira-to-buy-another-home/#comments</comments>
		<pubDate>Wed, 29 Sep 2010 19:53:17 +0000</pubDate>
		<dc:creator>wayne</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[roth ira features]]></category>

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		<description><![CDATA[Roth IRA proponents are often heard to remark that one of the benefits of a Roth IRA is that first-time home buyers can withdraw up to $10,000 penalty free to use toward the purchase of their first home.  ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Roth IRA and the Bush Tax Cuts</title>
		<link>http://www.rothirahelp.com/roth-ira/roth-ira-and-the-bush-tax-cuts/</link>
		<comments>http://www.rothirahelp.com/roth-ira/roth-ira-and-the-bush-tax-cuts/#comments</comments>
		<pubDate>Fri, 24 Sep 2010 15:03:41 +0000</pubDate>
		<dc:creator>wayne</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[roth ira features]]></category>

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		<description><![CDATA[The tax cuts that were implemented by the George W. Bush administration are set to expire at the end of 2010.  The daily sound bites and media buzz lead one to believe that only the top tax brackets will be affected if these cuts expire.  That is not the case at all: if the tax cuts expire, all tax-paying Americans will be affected, some more than others.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Roth IRA and College Financial Aid</title>
		<link>http://www.rothirahelp.com/roth-ira/roth-ira-and-college-financial-aid/</link>
		<comments>http://www.rothirahelp.com/roth-ira/roth-ira-and-college-financial-aid/#comments</comments>
		<pubDate>Fri, 24 Sep 2010 14:59:38 +0000</pubDate>
		<dc:creator>wayne</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[roth ira advantages]]></category>

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		<description><![CDATA[You can use your Roth IRA to pay for all of your school-related expenses, as long as they are “qualified education expenses.”  Qualified education expenses include books, tuition, fees, supplies, and tuition that are paid to a properly accredited institution. ]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Is a Roth IRA Vulnerable to Creditors?</title>
		<link>http://www.rothirahelp.com/roth-ira/is-a-roth-ira-vulnerable-to-creditors/</link>
		<comments>http://www.rothirahelp.com/roth-ira/is-a-roth-ira-vulnerable-to-creditors/#comments</comments>
		<pubDate>Fri, 24 Sep 2010 14:54:29 +0000</pubDate>
		<dc:creator>wayne</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[roth ira advantages]]></category>

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		<description><![CDATA[The Employee Retirement Security Income Act (ERISA) completely protects employer-sponsored plans from creditors (except former spouses and the IRS).  IRA’s are not covered by ERISA.  ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>IRA – Roth Conversion and Charitable Giving</title>
		<link>http://www.rothirahelp.com/roth-ira/ira-%e2%80%93-roth-conversion-and-charitable-giving/</link>
		<comments>http://www.rothirahelp.com/roth-ira/ira-%e2%80%93-roth-conversion-and-charitable-giving/#comments</comments>
		<pubDate>Tue, 14 Sep 2010 23:31:41 +0000</pubDate>
		<dc:creator>wayne</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[conversions]]></category>

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		<description><![CDATA[One way that individuals can avoid being bumped into a higher tax bracket by converting their traditional IRA to a Roth is through charitable giving.  ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Roth IRA Recharacterization</title>
		<link>http://www.rothirahelp.com/roth-ira/roth-ira-recharacterization/</link>
		<comments>http://www.rothirahelp.com/roth-ira/roth-ira-recharacterization/#comments</comments>
		<pubDate>Mon, 13 Sep 2010 20:01:54 +0000</pubDate>
		<dc:creator>wayne</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[roth ira advantages]]></category>

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		<description><![CDATA[IRA’s have a built-in take-back rule.  You can switch your IRA contribution from one type of IRA to another, or undo a conversion.  You can go from Roth to traditional or from traditional to Roth, subject to some restrictions]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Roth IRA Record Keeping</title>
		<link>http://www.rothirahelp.com/roth-ira/roth-ira-record-keeping/</link>
		<comments>http://www.rothirahelp.com/roth-ira/roth-ira-record-keeping/#comments</comments>
		<pubDate>Mon, 13 Sep 2010 19:58:35 +0000</pubDate>
		<dc:creator>wayne</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[roth ira features]]></category>

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		<description><![CDATA[Many investors have a false sense of security when it comes to keeping track of contributions to their Roth IRA.  It is assumed that the brokerage or bank is keeping adequate records, and that copies of the records will be readily available if they are needed.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>IRA’s: Pay Taxes Now or Later?</title>
		<link>http://www.rothirahelp.com/roth-ira/ira%e2%80%99s-pay-taxes-now-or-later/</link>
		<comments>http://www.rothirahelp.com/roth-ira/ira%e2%80%99s-pay-taxes-now-or-later/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 14:22:09 +0000</pubDate>
		<dc:creator>wayne</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[roth ira advantages]]></category>

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		<description><![CDATA[Discussion continues as to the better retirement vehicle: a traditional IRA or a Roth IRA.  Much of the disagreement centers around future tax rates; will they go up, or will they go down?  And, how will changes in the tax code affect IRA’s of either type?  ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>IRA &#8211; Roth 2010 Conversion Opportunity</title>
		<link>http://www.rothirahelp.com/roth-ira/ira-roth-2010-conversion-opportunity/</link>
		<comments>http://www.rothirahelp.com/roth-ira/ira-roth-2010-conversion-opportunity/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 14:18:33 +0000</pubDate>
		<dc:creator>wayne</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[conversions]]></category>
		<category><![CDATA[roth ira conversion]]></category>

		<guid isPermaLink="false">http://www.rothirahelp.com/?p=269</guid>
		<description><![CDATA[Many investors with traditional IRA’s have been unable to convert to a Roth IRA due to income limits and other restrictions.  However, those limits have been lifted in 2010, so investors who have waited for “just the right time” to convert will be able to do so in 2010.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Traditional IRA vs. Roth IRA</title>
		<link>http://www.rothirahelp.com/roth-ira/traditional-ira-vs-roth-ira/</link>
		<comments>http://www.rothirahelp.com/roth-ira/traditional-ira-vs-roth-ira/#comments</comments>
		<pubDate>Fri, 03 Sep 2010 14:27:09 +0000</pubDate>
		<dc:creator>wayne</dc:creator>
				<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[roth ira advantages]]></category>

		<guid isPermaLink="false">http://www.rothirahelp.com/?p=265</guid>
		<description><![CDATA[The number of retirement plans available is overwhelming; there are individual retirement plans (IRA’s), and employer-sponsored retirement plans (Defined Benefit, Defined Contribution, 401K’s, Profit-Sharing plans, ESOP plans, Simple plans, Money-Purchase pension plans, and SEPs.)]]></description>
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		<slash:comments>0</slash:comments>
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