As the tax due date of April 15 approaches closer, I notice a lot more “Last Chance to open an IRA for 2004″ advertisements on the web. Maybe I didnt notice it last year, but it seems to be a lot more evident these days. IRA (individual retirement accounts) is definitely something that will be addressed eventually, and its one big subject to cover, what all these different IRAs – there’s more than the two more widely mentioned, traditional and ROTH IRAs. Still as the advertisements mention, there is only a few days left to contribute to your 2004 IRA. In my opinion, its much better to research and carefully pick who you should go with for your IRA then worry about trying to make sure you can file it before the 2004 tax deadline. Plus, most of us should have finished filing our taxes long ago, right? ;)