Archive - August 21, 2012

1
If Housing Has Bottomed Should You Buy?
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The Roth 401(k) Plan

If Housing Has Bottomed Should You Buy?

In recent months a lot of news stories and experts have claimed they have spotted a housing bottom. I disagree. I think there is still room for a slight additional decline in prices. What is more important than spotting the exact moment of the bottom is to forecast how much will the coming housing recovery be. The answer is that when housing recovers it will not be a V shaped bounce to the old highs, rather it will be stuck in a saucer shaped flat stagnant market.

An analogy to housing is the price of Cisco shares which crashed from …

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The Roth 401(k) Plan

Many hard working Americans have access to a defined contribution retirement plan called a 401(k). Essentially, a 401(k) is a retirement savings vehicle provided by employers to their employees as a means for the employee to save for retirement, often with the employer providing a “match” of the employee’s contributions up to a certain percentage.

As of January of 2006 (a result of EGTRRA 2001), employers can now offer employees the Roth 401(k) as part of their 401(k) plan. Before we get into the advantages of the Roth 401(k), let’s briefly look at how the regular 401(k) works. Employees that …

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