See item #4 in the newsletter. Excerpt: Novel advice on how to save for retirement: do not put any more money in your tax-deferred retirement savings! Such advise is heresy in a world where people hate taxes and it has been taken as gospel that you should defer them if you can. A commentary in Forbes magazine from William Baldwin admits that for two decades Forbes has been advising people to maximize their tax-deferred accounts, and, at the other end, to minimize withdrawals. 'Let your earnings compound tax free. Deferral is magic.' This advice is not necessarily true anymore. After a year of turmoil in Washington and on Wall Street, it may be time to rethink savings.  MORE >>