It might make sense if the time horizon is long or if the principal is big, especially if you do a rollover like pb4uski suggested. But I think of a MM more as a short term holding account rather than something I'm growing my money in, so a few bp isn't going to make or break someone.
It's astronomically more important that you're properly allocated for your time horizon and risk tolerance, and it sounds like you're not if you have all of your money in aggressive growth IRAs. If you're close to retiring, it's all about allocation right now.
Ex Dividend means that if you own the stock by that date, you get the dividend (which usually comes a few weeks later). When a dividend is announce, the market will reprice the stock to take that into account.
Think of it this way: a stock is valued at $100. A $5 dividend is announced. If you...