Simple Debt-Free Finance

A Simple Approach to Getting Out of Debt & Into Wealth

How NOT to fix the 401(k).

I just read a sidebar article in January’s Money Magazine, titled Fixing the 401(k).
The article highlights 4 proposals from Washington as a ” response to the retirement savings crisis”:
Relaxed hardship-withdrawal rules
“President-elect Barack Obama has proposed temporarily dropping the 10% penalty for hardship withdrawals from an IRA or a 401(k) for amounts up to 15% of [...]

Don’t Look Now, but Home Sales are Rising!

Las Vegas, of all places, is seeing an increase in home sales!
This is a good sign, because Vegas was one of the hardest hit when the bubble burst. Since last year, home sales have risen 15%.
The flip side of this coin is that the home prices have fallen 28%. Ouch! But this is all part [...]

Why nationalization of the U.S. banking system is a bad idea.

There’s been an increased discussion of the possibility the U.S. government may nationalize the banking system. I came across this article today, that outlines some FAQ’s on the topic, but here is the money quote:
“If the government takes over a bank, management will be under even more pressure to cut costs. Expect more branch closings [...]

Jim Cramer’s Tips for Detecting Sector Rotation Stock Bottoms

I’ve covered Cramer’s tips for detecting individual stock bottoms and overall stock market mega-bottoms, but there’s one last type of stock market  bottom: the Sector Rotation Bottom.
A sector rotation bottom is when an entire sector of the stock market falls out of favor and hits bottom. Like total market mega bottoms, sector rotation bottoms are [...]

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    The information and opinions provided on this site do not constitute professional advice. This blog is intended to provide general information only about the author's own personal financial journey. While all information shared here is believed to be accurate, the owner/operator of this website specifically disclaims all warranties expressed, implied or statutory, regarding the accuracy, timeliness, and/or completeness of the information contained herein. You are advised to discuss your specific requirements with an independent financial adviser. All posts are © 2008-2011, Simple Debt Free Finance.

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