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	USA Today			New York Times
	A Job-Hopper's Guide to 401(k) Rollovers			Wary of Stocks? Property Is an I.R.A. Option
	By Kathy Chu			By Vivian Marino

	New York Times			Boston Business Journal
	Using an I.R.A. to Buy Real Estate By Adriane G. Berg			Self-Directed IRAs Allow Investors to Dabble in Real Estate By Tom Anderson

	Business Week
	Hatching Property from Your Nest Egg
	By Ellen Hoffman

The Second Wave in the Mortgage Crisis is Here!
by Paul R. Whitacre
2/3/2010

Yes, it is here. 2010 is the year of the real mortgage crisis. With nearly 2.4 million home mortgages expected to go bust in 2010 as compared to the roughly 1.7 million in 2009, the real issue is what is driving this crisis. It is the adjustable rate mortgages (ARMs) that were refinanced, approved, and set for the five year mark are coming due in 2010. It is all the 2005 5-1 ARM sales during that housing market boom.

The problem with these ARMs is the timing. It could not be worse. Many Americans are reeling from the nearly 50%, 60%, and even 70% losses in the stock market in the past year and now they are going to be forced to come up with extra money monthly to pay their once stable and now readjusting mortgage payments. Couple that with the interest-only loans shifting to a principal-plus-interest model and what we have is a perfect storm for a double-dip recession.

Many who have scrimped and saved to prepare themselves for the worst are investing their IRAs and 401(k)s in real estate. Many are turning to self-directed IRAs more and more, taking advantage of the deepest discounted real estate in decades.

Along with the struggle of readjusting ARMs and interest-only loans, many Americans have to get used to double-digit unemployment, severe deflation of the monetary supply in 2010 with strong expectations for hyperinflation in the years to come, as well as considerably less pay for work they have been doing for years. This is the upside for those who are currently employed.

Those without a job or career security are reeling with the one-two-three punch combination of the retrenching of the economy, the extremely high unemployment rate, as well as the significantly tougher job market with so many other qualified candidates applying for the same jobs.

That said, there are a few rays of light are shining through the darkness. The economy grew in the fourth quarter of 2009, rather than the steady decline that has been so prevalent since 2008. There has also been a focus by many organizations to show that there are plenty of jobs available in the current economy, as well as how to get an interview at these jobs.

Obama's stimulus package, the American Reinvestment Act of 2009, is getting some credit for pumping money into the economy. How much is still being debated.
So for those who are scared to reinvest heavily in the stock market, what options do you have?

Take a recommendation from the many millionaires in America. 4 out of 5 millionaires made their fortunes in real estate. The ray of sunshine in a bleak economy is what it has always been. Real Estate. Many people are searching for new ways to learn how they can invest their IRAs and 401(k)s in foreclosures, preforeclosures, REOs (bank-owned properties), short sales and other real estate opportunities.

With the cheapest and deepest discounted deals in real estate in decades, it's more important now than ever to learn how to use your self-directed IRA to earn steady income as well as provide a supplemental investment in real estate to your portfolio. Now is the time to secure yourself a wealthy retirement by investing in real estate.

Stay tuned to WealthyIRA.com to keep updated on the latest information on how you can invest your IRA or 401(k) in Real Estate.

A great point in this perfect timing for Real Estate purchases, this time made by the San Francisco Chronicle! Don't let the best opportunity in 25 years to buy Real Estate pass you by! Nathan Foran is maximizing his IRA with earnings that avoid capital gains taxes and you can too:

Nathan Foran used his self-directed IRA to buy a dilapidated foreclosed house in Richmond for $25,000 cash. Another $25,000 to $35,000 from the retirement account will go toward fixing up the property. He then hopes to rent it out for about $1,000 a month, money that will go straight into his retirement account.

Foran, 40, a San Anselmo real estate broker and investor, sees a lot of advantages in investing in real estate through his individual retirement account.

"The net rental income goes into the IRA, so it's generating money tax deferred," he said. "Once I sell, the money also goes directly into the IRA without capital gains tax. If I hold onto it for five to seven years, it probably will be worth in the low $200,000s, so I'll get a sizable gain. If I find another property I think will appreciate faster, I can sell this and use the funds to invest in that one. The IRA is a good long-term investment tool."

With many properties at bargain-basement prices, more people have been turning to their self-directed IRAs as a ready source of capital to make real estate investments. Companies that manage self-directed IRAs say real estate investments by their clients are up as much as 30 percent over the past year.

Read more about it here: http://tinyurl.com/IRAownersinvestinrealestate

Wealth built by working smarter and making the right investments will lead to financial freedom and a Wealthy IRA! Investing with a self-directed IRA leads you to the best possible outcome: Your choice of properties for pennies on the dollar!

Andrew Carnegie's Business Strategy That Led to $2.3 Billion a Year in Wealth
By Rob Minton

Real estate agents can learn a lot from Andrew Carnegie, especially in this challenging market.

Andrew was what everyone would consider a "rags to riches" story. He started working as a telegraph messenger for the Pennsylvania Railroad when he was 14. During his employment with the railroad, he started to invest in companies that supplied the railroad. Soon after he made these investments, these companies began paying big dividends.

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October 9, 2009

Foreclosures are Up, but So are Investments! Investment strategies have shifted and more and more people are focused on diversification than ever. With only a small amount of IRAs and 401(k)s rebounding a bit this year, many people are still struggling to see the light at the end of the tunnel. Except for the few who see the need to retire with a diverse portfolio of investment vehicles. Prices for Real Estate are the cheapest they have been since the 1970s, and for the perceptive investors, many are using self-directed IRAs to invest in the deepest discounts in Real Estate to help balance out their stock-heavy retirement plans. This plan has several positive points of interest. For one, these investors are not subject to the serious losses that the stock market can bring in a very short time. In addition, Real Estate has and will always be needed as long as people need a place to call home. Long-term investing in Real Estate provides a steady stream of rental income in these tough economic times. Along with that, many properties are expected to double in value over the next 5 to 10 years. Try getting that return on investment from a stock or a bond. Using a non-recourse loan to purchase Real Estate with your IRA or 401(k) is a worthwhile way to make sure you have a diverse investment strategy as well as a new income source and a strong long-term investment for the future. For more information, visit www.WealthyIRA.com to learn how you can invest your IRA in profitable Real Estate.

September 9, 2009

The Next Big Revenue Boom: IRA Real Estate “People who see jobs evaporating in other companies and other industries tend to ratchet back their own spending, economists say—an understandable response, but one that could drive down the local economy even further,” according to previous reporting by Seattle Times. “Not only do consumers feel overall economic conditions have grown more dire," as stated earlier this year by Lynn Franco,

August 11, 2009

Banking News: As part the much-debated Troubled Asset Recovery Plan (TARP), US Treasury Secretary Timothy Geithner’s Financial Stability Plan provides $1.5 trillion in bank bail out funds. "By providing the financing the private markets cannot now provide, this will help start a process of providing a market for the real estate related assets that are at the center of this crisis," Geithner said earlier this year.

July 10, 2009

Investment NEWSAccording to a previous article in the New York Times, of the 45 million IRA-invested households, “… an increasing number are switching to real estate, hoping for more lucrative returns.” The article goes on to report that “Industry experts estimate that 2 percent of IRA money is invested in real estate - through ‘self-directed accounts’ held by a custodian and managed by the account holder - twice as many as two years ago.”

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10-year yield at 19-month low
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