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Four Stages Of Grief

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Stage 1 ? Regular IRA

Everyone knows what the traditional IRA is. It is what most of us have our money in. We call up Fidelity, Charles Schwab, or Merrill Lynch and give them our money. With this IRA, they make the investment choices for you. They charge you for this, as they are managing your money. It could be either fee based or commission based depending on the custodian you chose.

Stage 2 ? ?self directed? IRA

Stage 2 takes it a little step further. You still have your money with Fidelity, Charles Schwab, or Merrill Lynch but they allow you to make the decisions. They have given you a ?self directed? IRA. However, you can only invest in their products which can include stocks, bonds, and mutual funds. What happens is that they will offer you Microsoft, GM, or Starbucks stock and instead of them choosing which is right for you, they allow you to choose the stock. With this control (over which stock you choose), they call it a ?self directed? IRA.

A simple test to see if you really have a self directed IRA is to ask your custodian if you can invest in real estate and other non-traditional assets. If they say ?no, you cannot buy a house with your IRA?, then it is not a "true" self directed IRA.

Okay, here's where we take the big jump from traditional investments to non-traditional investments. Remember, the traditional investments are typically stocks, bonds, and mutual funds, which all of the larger custodians will offer to you. The non-traditional investments include real estate, energy, tax liens, and many more.

Stage 3 ? Self Directed IRA

With the self directed IRA you are now allowed to invest your IRA funds in non-traditional assets. The custodian for the non-traditional IRA will hold your funds for you. They make their money by charging different types of fees. These fees can include asset fees, transaction fees, and maintenance fees. Each custodian is a little different, so you may want to check a couple of them out and see if any of them are a good fit for your particular types of investments.

When you find an investment you want to make, you have to get approval from the custodian first. This can take time, and depending on the types of investments you are making, you may lose out on ?quick turn? investments. I have seen many investors lose out on an investment because they could not fund it in time. On the flip side, I have seen many investors who were already at the fourth stage of an IRA and were able to fund the investment and reap the generous returns.

Stage 4 ? Self Directed IRA LLC

The self directed IRA LLC is by far the most flexible IRA tool, and because of this, one must always be aware to stay within IRS regulations. You have complete control over your funds. You are the only one that will be held responsible for the success of managing your IRA account. This is why the Self Directed IRA LLC is not for the ?novice? investor.

With the self directed IRA LLC, there are four main benefits that none of the other levels of an IRA can offer. First, the self directed IRA LLC provides the lowest custodian cost on their clients. Second, there is no need for you, the investor, to ask permission for an investment. Who is going to know more about that ?hot? property just around the corner from your house, you or a custodian in Chicago? Third, there is the extra layer of LLC protection. It would make it just that much harder for someone to try to seize your assets in litigation. Finally, and most importantly, you have checkbook control of your account. You are able to make on the spot decisions about your investments. You can use this as leverage against the investments you are considering.

Now you should have a better understanding of the different levels of an IRA. Do you have the type that best suites your needs? As more and more investors learn about non-traditional assets and how it can improve their portfolio returns, I hope to see many more of them at the fourth level of an IRA!

Copyright 2006 Damon Clifford

Four Stages Of Grief

There are four stages of Syphilis; these stages are classified according to the harshness of the indication of the disease. They stages are:

The Primary Stage: This is the first stage, that is the start of the disease, this when an ulcer or a sore starts to appear around the genital parts, the mouth or the anus. This initial ulcer appears on the perineum, vulva or the cervix in case of women and in men it appears on the penis or the scrotum.

This ulcer often does not bring about any pain. It can be seen clearly in about three to four weeks after the infection. If treatment is done at this stage, the recovery is faster, and the sufferer is back to normal in about a month's time.

The Secondary Stage: At this point of time the infection would spread to the whole body. A rash on the skin which is red in colour would appear on the feet or the palms; this is the indication that the infection that reached the next stage. In the stage the sufferer might also have loss of hair, fatigue, inflamed lymph nodes and headache. Many ulcers would appear in the mouth and the throat.

The muscles and the liver will also be affected. At this stage, the disease is very infectious. In case, the sufferer is not treated in time, he or she would definitely start facing the symptoms of the next stage.

The Latent Stage: The start of this stage is when the indications of the pervious stage start to diminish. This syphilis comes in two parts that is 'early and late'. In the early stage there are no indications of syphilis, whereas the infection is already present in the body of the sufferer, but the disease at this point is highly transmittable as such sexually activities should be avoided.

However, in the later stage of latent syphilis, the microbes are not infectious and also not transmitted through sexual activities.

The Tertiary Stage: This stage is the last and highly perilous stage. This stage would take a very long time that is even a few years to come to light after the infection takes place. The microbes start multiplying in this stage and in turn start damaging the organs in the body, like the bones, brain, eyes, joints, nervous system and the heart. These microbes, within the body could even form tumours.

This in turn would cause cancerous developments in the skin, bone or other tissues. There could also be a development of 'Aortic Aneurysum' which is a cardiovascular problem. In a few cases where the sufferer has reached the extreme levels, there would even be weight loss. The harm which the body faces is irretrievable; therefore it is advised that treatment should be taken in the third stage of the disease.

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About Author

Both Damon Clifford & James S. Pendergraft are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Damon Clifford has sinced written about articles on various topics from Retirement, Finances and Personal Finance. Damon Clifford is a Self Directed IRA LLC Advisor. If you would like to learn more about the Self Directed IRA LLC, you can visit

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