If you recall, I sent the BLS stats a few days ago, here's a chartset showing the effect of unemployment as displayed in total "survivors".

Until that 500k + number approaches zero (hence the unemployment rate stabilizes) and foreclosure notices drop to a much lower number, we're still falling, and may only have reached terminal velocity.

also, IF (and i mean a HUGE 'IF') you needed to access this money, you can take out your contributions (not earnings) tax/penalty free (as long as they've been in for 5 years). there is also no RMD (required min distribution) when you hit 70.5 years old. those are some features....you are doing great!

v=r_4a4O7kXQo&feature=relatedOne more for you:http://www.youtube.com/watch?

Declining real estate value and high unemployment means cash is king.Jim is right, if your goal is high positive cash flow now.

v=-jTmgLgDEo4&feature=related.

Incorporation (If I form an LLC with myself as the managing partner and 1 or two investors as limited partners do I need workers comp and do I pay unemployment ins?

The methods are similar to appraisal, get 3-6 recent (3 months old) sold comparables and 3-6 recent active comparables, adjust the prices based on condition/location/features/etc and determine an AS IS price and a REPAIRED price.

With our high unemployment and recession misery it's amazing he isn't smart enough to not get caught and at the same time spare us the tears on television today.

You had high unemployment as soldiers were released from military duty.