TMD can cause: 1  clicking, popping or grating noises as you chew or move your mouth. 2  muscle pain around the jaw. 3  pain in front of the ear that may spread to the cheek, ear and temple.  difficulty opening the mouth â the jaw may feel tight, as if it is stuck, making eating difficult.
Penalties on Earnings from Contributions. Unless an exception applies, most distributions from a Roth IRA before the owner reaches age 59 1/2 will be subject to an early withdrawal penalty of 10% on the amount of the distribution.
For example, if you convert $15,000 to your Roth IRA from your traditional IRA and you take out that $15,000 before five years pass, you'll owe $1,500 in early-withdrawal penalties, but no additional income tax. This penalty is waived if you're at least 59 1/2 when you take the distribution.