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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
Income Limits Have Been Removed For Roth IRA Conversions: How Does That Affect Me?
by Paul R. Whitacre
4/9/10

You may have heard that income limits have been removed on Roth IRA conversions.

This could be some of the best news you ever hear that can actually make you wealthy. I am not kidding. This isn't a time to be joking about a wealthy IRA or retirement.

You can now do what some of the smartest investors in America do.

You can take advantage of the benefits of a Roth IRA, which include both tax free growth and tax free withdrawals when you decide to retire. Did you hear what I said? You can keep your money tax free and it grows tax free. That is extremely significant.

Minimizing taxes and maximizing retirement savings is something we all better start thinking about more. If the volatility in the market hasn't shaken your confidence in stocks and bonds, then I don't know how else to convince you to invest your self-directed IRA in Real Estate.

Some points to think about if you plan on ever retiring:

On taxes: If you think you might be in a higher tax bracket when you retire or you plan to leave savings to your heirs then you should seriously consider a Roth IRA.

Time: The longer your hard earned money stays in a Roth IRA the greater the potential benefits. This includes reaping the unbelievable benefits of compound interest over time.

If you invest in the lowest priced real estate in decades with Your Roth IRA now, you could pay zero taxes when you sell the property at retirement. That means that you buy a home for any amount, let's say $50,000. In one Real Estate up cycle, if you sell it for $70,000, that's a $20,000 increase that goes right back into your Roth IRA without any taxation. That would also be an increase of 40% in two years which isn't uncommon when Real Estate rebounds.

That means that your sales cost you zero taxes! This is taking advantage of the lowest priced Real Estate in decades. And if you haven't been convinced to capitalize on this once in a lifetime residential and commercial Real Estate down cycle, then remember this: 4 out of 5 millionaires in the United States made their millions in real estate.

Do you want to retire in comfort? Do you want to retire at some point in the near future? Do you want to retire at all?

Set yourself up for a retirement of wealth and riches. Be able to do whatever you want whenever you want in your wealthy retirement.

It is up to you to learn and find out more about converting to a Roth IRA and using it to buy real estate now. If you don't do it, no one else will do it for you. Take control of your financial future and be sure to maximize your self-directed IRA or Roth potential.

And find out how to make sure you are set for an easy retirement.

Paul R. Whitacre is a managing partner at WealthyIRA.com.
The passion of WealthyIRA is to teach everyone to invest their IRAs and 401(k)s in the deepest discounted Real Estate in decades. Check out how to invest your IRA or 401k in Real Estate at WealthyIRA.com Blog. Follow us on Twitter at WealthyIRA. Email Paul here.
 

As Oil Races Past $85 a Barrel, What Does This Mean For Real Estate?
by Paul R. Whitacre
4/1/10

So the cost for a barrel of light, sweet, crude oil is over $85 dollars today. That should tell us plenty about the economy, the housing industry, and the upcoming summer travel season. The issue is that as the price for a barrel of oil goes up, other industries slow down. Not to mention that the higher costs for a barrel of oil translate into the daily and weekly budget adjustments for the average American and it really causes people to change their lifestyles.

As the housing market languishes, even with the extended tax credits for first-time homebuyers, people who don’t understand macroeconomics are struggling to understand why. This begs to ask the question, that if real unemployment is over 17%, job creation is dead in the water, oil is rising, new housing starts have all but started, how can those in the government expect people to actually buy a house?

Ever try to qualify for a home loan without a job? Ever try to qualify for a home loan when commercial lending has all but dried up?

These are questions that shouldn’t be hard to answer, but those in Washington don’t understand because they aren’t business people.

So back to a barrel of oil. If your summer plans include travel and vacationing, expect the cost of the commute via car or airplane to go up at least 20%. Oil affects every aspect of our economy.  Over the road truck drivers, local freight haulers, Americans looking to go to work every day are all going to be punished by the rising cost of a barrel of oil.

If OPEC wasn’t focused on bleeding America dry, they’d open up oil production to a full 100%, rather than a meager 80%. Artificially driving up the cost of light, sweet crude oil punishes the American economy more now than ever as the fledgling recovery barely hangs on.

How does Oil affect the housing industry? It’s back to the point of freight and trucking supplies to the job sites. If contractors can’t afford the rising costs of fuel and the pressure it puts on the cost of goods as a whole, how can contractors build new houses?

When housing starts are down and there is a glut of existing available housing, why would someone ask for a new home to be built? Don’t get me wrong, some new houses are still being built, but the industry as a whole is by no means flourishing.

So what is the prescription for a sick economy on high-priced Oil life support?

It has to do with housing, but not new housing starts. It’s investing in existing Real Estate that’s going to bring the economy back from the brink, no matter what Washington, OPEC, or anyone else throws at the American economy.

Invest your self-directed IRA or 401(k) in Real Estate if you want the opportunity to retire when you want to. By purchasing a couple deeply discounted pieces of property in this down cycle, you can be poised to retire very quickly after the rebound if you sell your property for a huge gain.

So protect your retirement. Protect your future. Defend yourself against things that are out of your control. Invest your IRA or 401(k) in Real Estate.

Paul R. Whitacre is a managing partner at WealthyIRA.com.
The passion of WealthyIRA is to teach everyone to invest their IRAs and 401(k)s in the deepest discounted Real Estate in decades. Check out how to invest your IRA or 401k in Real Estate at WealthyIRA.com Blog. Follow us on Twitter at WealthyIRA. Email Paul here.
 
The New Introduction of the “Keep Your Hands Off of My 401(k) Act of 2010”!
by Paul R. Whitacre
3/16/2010

With a majority of Americans having a large, if not scary, amount of their retirement IRAs and 401(k)s invested solely in stocks and bonds, it begs the question to ask if Obama is brazen enough to seize these accounts.

The point should be that no one has the right to another person’s hard-earned money, with or without the government use of a gun to steal it. But unfortunately we are far past that as both Democrats and Republicans are using the police power of government to pry their way further and further into the average American’s wallet.

Done under the guise of ‘taxing the rich’, the Federal Government overreaches its hands into state level issues, demands the states absorb the ‘stimulus’ or go under, and forces insane levels of taxation on a majority of Americans. All the while, they play the class warfare game, pitting the ‘rich’ against everyone else.

That populist sentiment only goes so far for anyone who has taken a single economics class. Those who have had economics 101 understand that the ‘rich’ only pass on the taxes they get slapped with on down to the average, every day, hard-working American. Which is only fair since they generally are the ones that do the majority of hiring anyway. And Newt Gingrich wants a law passed that will keep the big government out of our retirements.

So that said, is it possible that if the majority of our investments and retirements are locked up in seizable stocks and bonds, that it is more likely to affect you and me, the average Americans, rather than the rich?

The ‘rich’ can cash out and move on. They can simply disappear if they want. But what about the IRA and 401(k) investor who works hard to meet the maximum investment levels, each year, with not much left at the end of the day? To have their investments seized by an all-powerful, over-reaching, Federal Government would be the last straw.

So how does the average investor protect their retirement? I recommend using an IRA custodian, and there are many great ones out there, to invest your IRA in Real Estate. Nearly $3.5 trillion dollars sit in self-directed IRAs. Having a self-directed IRA allows you to control where your money goes, into different assets such as Real Estate.

Real Estate will provide a rental income, incredible growth as home prices rebound over the next several years, and the most important thing is peace of mind. You will have incredible long-term growth in your IRA or 401(k) without the worry of government seizure.

Focus on investing your IRA in Real Estate and let the law experts take care of passing a law that prevents government from unconstitutional asset seizure. Your retirement is up to you, not up to the government. You can secure yourself a wealthy retirement today!
 
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    Nearly half of all Americans who claimed the first-time homebuyer tax credit on their 2009 tax returns will have to repay the government.
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    The government has bailed out Wall Street firms, giant banks, creditors of Fannie Mae and Freddie Mac -- and is trying to bail out people who've defaulted or are about to default on their mortgages. But let's say you're a hardworking family that has done nothing wrong except buy a home when the housing bubble was at its peak a few years ago. Your mortgage is now way underwater, but you're still making payments because you want to stay in your home -- and you're actually honorable. You're paying for everyone else's bailout, but because you have no equity in your house, you can't refinance to take advantage of the ultra-low mortgage rates that Uncle Sam's bailout strategy has produced. To use the technical term, you're being screwed.
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    New home sales unexpectedly fell in July to the lowest level on record as the housing market continued to suffer from the end of the homebuyer tax credit boost.
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