Question: It's my understanding that starting in 2010 the rule that prohibits you from converting from a traditional IRA to a Roth IRA (for modified adjusted gross incomes over $100,000) will be eliminated. If that's the case, can I convert all types of IRAs - deductible IRAs, nondeductible and even rollover IRAs that contain money moved from a 401(k) plan? How long do I have to do this? Do the new conversion rules expire at some point? --Hussam, Bergenfield, New Jersey

Answer: A gold star to you for keeping on top of changes to the Roth conversion rules! As part of the Tax Increase Prevention and Reconciliation Act that became law in May of 2006, Congress eliminated the restriction you mentioned for converting to a Roth IRA, (although until 2010 the current income eligibility rules still apply).

And other than an IRA inherited from someone besides your spouse, any type of IRA can be converted to a Roth, whether it's a traditional deductible, nondeductible, a rollover IRA or, for that matter, even a SEP or SIMPLE IRA (although unless you're 59 1/2 or older, you must have had your SIMPLE IRA more than two years).

As I noted in Money Magazine shortly after this provision passed, doing a Roth can be a pretty sweet deal. So as far as I'm concerned, anything that makes the conversion option available to more people is

We need to talk.

It's about your finances. How do you feel things are working out between you? Are your needs being met?

If you long for a more fulfilling relationship with your money, remember this simple truth: When your money doesn't feel appreciated, it won't appreciate for you in return.

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"You demonstrate respect and appreciation for money the same way you would anything else you value in your life," says Barbara Stanny, author of Secrets of Six-Figure Women. "If you want it to last, you've got to take care of it. Throw it around carelessly or ignore it completely, and guess what's going to happen?"

There when you need it

One of the top qualities people value in any relationship is loyalty. Treat your money well and it'll be around when you need it most. Here are three ways to love your money so it will love you back: