Here again, the change was driven by a change in lending practices, specifically (IMHO, opinions vary) the creation of CMOs (collateralized mortgage obligations).

Here's my $0.02:I think the key for you would be to figure out long-term population trends and job creation in each bubble state.

Wealth creation.

I have yet to set up a 401k plan, hence my creation of this thread to get others opinions on which companies were the best to use and confirm that the consensus was that 401k options are better than IRA options.Since a solo401k plan I would intend to set up would not allow for employees, your mention of the following is not needed as there are no employees ,etc."401k plans require some form of customization.

There only seems to be a couple answers for the U.S. if we continue the debt creation.1.

I don't really care.Just get sperm donor and baby factory to pay their own bills for their creation, and not taxpayers.

Another thing to consider is Rich's value-creation.

Less parental involvement, less discipline allowed, 4 times as much money spent on it,  and the creation of the Dept of Education.

Do you just look for big cities or cities that are expected to grow or cities with job creation?

Even though I'm really expecting Bill to jump in and answer (hopefully without a long drawn out answer :mrgreen: ) I thought it would at least be worth others to see his answer, if he has one, which I'm pretty sure he...