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.

The Market Cycle Investment Management methodology combines risk minimization, asset allocation, equity trading, investment grade value stock investing, and base income generation in a time frame that recognizes and embraces the reality of cycles.

The purpose of IBOR is to protect financial markets and to create self-sufficient investors who produce economic growth instead of government deficits. IBOR standards create transparent financial markets, regulate speculation, and protect retirement portfolios. Here's a Summary---get involved.

Bear Stearns, Lehman Brothers, Merrill Lynch, Wachovia, Washington Mutual, and countless other financial institutions have failed in this debacle. Why didn't they downgrade themselves to an under perform or sell rating? The reason is simple and it's Wall Streets dirty little secret...