I have to apologize for distributing some bad information last week. Somehow, I looked at the wrong dates regarding the next Federal Reserve meeting and thought it was to take place on Thursday, December 1st. The next Fed meeting will in fact take place on Dec. 13th and I still expect them to raise rates another .25 percent. My same comments from last week still apply but please excuse the blooper. Last week the markets finally took a break from the near vertical price appreciation we have seen since the lows in late October. Is this the end of the current rally? I don’t think so. Have we embarked on a new long term move up? I still don’t think so. Read on for more details.

There are plenty of ways to save for retirement. And come January 2006, many Americans will be faced with evaluating and deciding whether to use a new tax-sheltered way of investing for retirement -- the Roth 401(k).