Could someone answer some questions please about IRA accounts at IB (and even elesewhere if things are better at other brokers). I want to open: 1. A roth ira 2. A traditional IRA (this one a rollover from an old 401K. Questions: 1. Are minimum monthly fees per account or per all accounts? 2. Could one uses cross margining/covering among IRA accounts? 3. Could these IRA accounts be using in conjuction with 401K (for instance for purposes of writing calls). 4. When opening these accounts, they ask questions such as is it for hedging, speculation, income, etc. Does any of these answers have an impact on whether to accept or reject opening the account. I want to trade options in these IRA accounts (spreads). 5. If one does not plan to trade futures is there any advantage of using a cash vs. margin account. I am currently in favor of cash accounts as I would not have to deal with day trading stupid rule. I may add other questions. Thanks