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To: Matt Kaarlela who wrote (84619)	12/10/1998 11:33:00 AM
From: Bill H	Respond to of 176387

OT: An interesting point; however Roth will never make up the majority (or even a large percentage) of my entire retirement portfolio. The Roth, at this point in the game, looks like a good opportunity. If the tax rules change down the road, as they always do, past situations would indicate that those holding would likely be grandfathered... In addition, I am expecting that my income level rises enough that my eligibility phased out over the next couple years, so I figure take advantage of it while I can.