I feel a bit sorry that no one answers your post... Looks
like you know very little about IRA deduction. 



Please check my reply ----

http://www.huaren.us/dispbbs.asp?boardID=336&ID=293975&page=2



The reason you were able to contribute $1200/$600 to your IRA in the last two
years was ---
the amount of your AGI enabled you to have partial IRA
deduction.

In 2006, your AGI exceeded the number ($60K, single)... No matter
how little you contribute to your 401k, you cannot have the IRA deduction...

Look at the bright side, your income has been increasing... :-)

Disclaimer ---

Any specific questions should be directed to your tax professional.

以上意见纯属个人观点, 贪玩而已. 话一出口, 概不负责.

如果你对我的回答有质疑, 请到下列网站找正确答案---

税 --->IRS , 一切以publication为准,

投资常识 ---> SEC , NASD,

投资数据 --> Morningstar,

保险 ---> 各州insurance department,

Financial planning ---> CFP

 
我不推荐投资公司的出版物. 此外, 每家公司有不同的compliance标准, 过往的经验不代表现在的经历. 在patriot act实行以后, 有些表格和条款是必须的…