Can you borrow from an IRA, 401(k) or Roth IRA to invest in a rental property or a business? — Bob H.

It can be tempting to borrow money from your retirement funds, but it's usually not a good idea, warns Frank deNapoli, senior vice president at Winslow, Evans & Crocker in Peabody, Mass. "You're shortchanging your retirement," he says.

I am 31 years old and contribute more than enough to my 401(k) to obtain the company match. I also max out my contribution to a Roth IRA every year.  I would like to contribute to a Roth 401(k), but my company does not offer this plan. Can you help me understand the benefits of a Roth 401(k)?  Also, do you have any recommendations on selling my company on making a Roth 401(k) option available? — Justin

Always, every time and without exception, the general media has predicted the end of the financial world, financial experts have pointed out the remarkable differences from the last correction, and investors everywhere have been encouraged to take their losses and sit on cash or gold until the smoke clears. Every time, the short sighted fear mongers have been wrong.

IGVSI Eclipses 2007 All Time High --- above 2007 levels since mid-February 2011 --- now up 6.9%; ahead of DOW and S & P by roughly 19%. Market Cycle Investment Management Model Portfolios build upon 18% gain in 2010. S & P 500 and mighty DOW lag the IGVSI, need average of 14% more just to equal 2007 levels.