are you thinking of owning real estate inside that ira? >> caller: yeah, buying a condo in a resort area that you can rent out. >> owning an investment property inside an ira really costs you in so many ways, because real estate is best owned in a taxable way, because there are so many tax advantages to owning it. you know, in an ira -- and if you have somebody handle the self-directed aspect of you actually owning actively managed real estate in one, you pay a lot of fees for that. i mean, there is a way for you to diversify into real estate without having to actually own and manage, and that is in your self-directed ira, you can own a real estate mutual fund. if you look at the tax advantages to owning that as a taxable asset, you won't consider any further at all owning that inside an ira. and rodha is with us. how are you? >> caller: very good, clark. how are you? >> wonderful. >> caller: thank you for taking my call. i love your show. >> thank you very much. >> caller: i do have a question. my husband and i are looking at buying a new

>> ira cassin? >> yes. >> he's a doctor that he serves on our mtbi committee as co-chair. >> isn't it fact the committee asked for his presence here today and he's an employee of yours, is that fair to say? you sign some element of his paycheck? >> he's not an employee of the nfl. >> does he represent you? >> he represents the mtbi committee as co-chair. >> and have you -- we asked him to participate in this hearing. he was unavailable and we asked for your help in having him appear here. can you just clarify the record. did you ask him to be here and he said no? >> i did not get involved in that, no. >> if you could, while i'm asking my question, if members of your staff could find that out. i also -- i think the record should show that beyond any work of any member of of congress, even you, mr. chairman, you, ms. sanchez, alan schwarz of the times has been driving this issue with some of the reporting and we probably wouldn't even be here today if it were not for some of the stories he's written b

irish americans with the fbi to stop the fund- raising -pira which was the fund-raising arm of the iraates for the ira raised millions of dollars and did a lot of gun running and the 1980's. and part of the 1990's that was unfortunately not stopped by the fbi. host: do you see any evidence in your research that american muslims might be taking a lesson from american irish who worked to suppress and destroy the ira? guest: there are some moslems like the one from phoenix, arizona. he has taken on the fundamentalists. i also see that the mainstream islamist groups in the united states, these are groups that do not ask their populations to cooperate with the fbi. if anything, they say don't talk to the fbi. if the fbi comes and talks to you, get a lawyer first and do not allow them into your house. they tell them not to cooperate, volunteer, and allowed spies into your home. the only way the fbi can get intelligence is with spies inside the mosques. host: our line for democrats is next, go ahead. caller: i have a question for mr. emerson. i want to speak about the symbolic kids that were

i never forgot what the ira told her. dillard and they came close. they said that we felt tonight, but you have to succeed 100 percent of the time. we don't. we hope that we succeed 100% of the time. as good as we are, we can't expect to succeed 100% of the time. we have got to somehow figure ways of getting inside the recruiting chain of these organizations. >>@@@@@@g@ @ @ @ @ @ @ @ @ @ @-# >> this struggle will be with us a long time. i am told my policy is too ambitious the notion that a judeo-christian society can get into the muslim society and change their minds, is a tall order. the ability to influence their decision making process is difficult. we can argue about that but what i worry about and i was critical of the bush administration for this is a foreign policy that is built around fighting the struggle. on this. to see everything going on through the lens of this struggle. the paradox is, as richard says, the risk of making a mistake is so high that the risk of not stopping is so high. you can't make it the only focus of your foreign pol

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what was the one thing that the ira was most lax to comply with? once they're gone, you have no credible threat with which to enforce the deal. so land for peace and peace for land are both foreign formula that are doomed for failure. i talk about a mechanism that could incentivize both sides to issue violence without any need for they are trusting each other or getting along with each other. you have to redo it to find out about that. ..

i never forgot what the ira told her. dillard and they came close. they said that we felt tonight, but you have to succeed 100 percent of the time. we don't. we hope that we succeed 100% of the time. as good as we are, we can't expect to succeed 100% of the time. we have got to somehow figure ways of getting inside the recruiting chain of these organizations. >> in the largest sense, this struggle is going to be with us for a long time. with all respect to richard, i am always told that my foreign- policy is too ambitious. but the notion that a judeo- christian culture will get inside their heads and convince them to go in a different direction -- i agree with you that they have to deal with it by our ability to -- influence their decision. what i worry about, and i was critical of the bush administration for this, his foreign-policy that is built around fighting that struggle. there is too much else going on for us to focus only on this. to see everything going on through the lens of this struggle. the paradox is, as richard says, the risk of making

ira cassen testify. i understand you would like to clarify that response? >> i was handed a note to respond to the congressman and i just been handed another note. tell them you will check further and get back to them in writing tomorrow. so i have not been contacted. >> okay. >> this record will be open for a while so you can submit any -- >> i will check with our staff further. >> well, i want to thank this panel. this has been surprisingly well attended. the views are various. but i think there are some things that we can come to an agreement on about the serious nature of these injuries and the fact that there is still more that can be done about them. and for that reason i'm in your debt. i'm sorry that we took so long to complete this first panel. i thank you very much. and you're now excused or invited to stay to hear the second panel. thank you very much. >> thank you. >> you're welcome. >> coming this thanksgiving on c-span, american icons, three nights of c-span original documentaries on the iconic homes of the three branches of american governmen

irv cassen. >> do you mean ira can? -- cassen. >> isn't it a fact that the committee asked for his presence here today and he's an employee of yours; is that fair to say? i mean, do you sign some element of his paycheck? >> he's not an employee of the nfl. >> does he represent you? >> he represents the mtbi committee as cochair. >> as cochair. we asked him to participate in this hearing. he was unavailable and we asked for your help in having him appear here. can you just clarify the record. did you ask him to be here and he said no? >> i did not get involved in that, no. >> okay. if you could, while i'm asking my question, members of your staff can find that out. i also -- i think the record should show that beyond any work of any member of congress, even you, mr. chairman, you ms. sanchez, alan schwartz of the times has been driving this issue with some of the reporting and we probably wouldn't even be here today if it were not for some of the stories that he's written both at the college level and the pro level about

you saw your account volumes just evaporate right before your eyes and your 401(k)s or iras or whatever people do? where people said when things were in the toilet they said i cannot take this any more and put their money in safe things. now the stock market had a big run up that may be running out of steam, don't know, but people are pushing money back into stocks after they have already recovered big value. doesn't work. you are working against yourself. put money in study as you go. i am clark howard. for more ways for you to invest wisely go to cnn.com/clark howard. >> did you know clark howard serves in the georgia state guard so this weekend you will see him serving the troops. catch us in a special presentation at 6:00 a.m., noon, and 4:00 p.m. eastern on saturday and sunday here on hln. >>> and if you would like to help the victims and the families of the ft. hood shootings. you can click on impact your world. >>> the wife of the dodgers' owner is speaking out for the first time about the couple's messy divorce everybody is talking about. >> as you know, we have been talking abo

year-and-a-half, saw your account values just evaporate right before your eyes, and your 401(k)s or iras capitulation where at the worst possible moment when things are practically in the toilet, said, i can't take this anymore, sold out their position and put their money into ultra safe things. now the stock market's had a big run-up that may be running out of steam, don't know. but people were pushing money back into stocks, after they've already recovered big values. doesn't work. you're working against yourself. put money in steady as you go. i'm clark howard. for more ways for you to invest wisely, go to cnn.com/clarkhoward. >> clark howard serves on the georgia state guard, in case you didn't know, and this weekend, you're going to see him serving our troops. clark and robbedin immediate teamed up to help our soldiers and help you save more and spend less and avoid getting ripped off. you can watch this special presentation at 6:00 a.m., noon, 4:00 p.m. eastern right here. we hope you'll join us. a man of 55 years made one big mistake. accidentally threw his wife's wedding and enga

i never forgot what the ira told her. dillard and they came close. they said that we felt tonight, but you have to succeed 100 percent of the time. we don't. we hope that we succeed 100% of the time. as good as we are, we can't expect to succeed 100% of the time. we have got to somehow figure ways of getting inside the recruiting chain of these organizations. >> in the largest sense, this struggle is going to be with us for a long time. with all respect to richard, i am always told that my foreign- policy is too ambitious. but the notion that a judeo- christian culture will get inside their heads and convince them to go in a different direction -- i agree with you that they have to deal with it by our ability to -- influence their decision. what i worry about, and i was critical of the bush administration for this, his foreign-policy that is built around fighting that struggle. there is too much else going on for us to focus only on this. to see everything going on through the lens of this struggle. the paradox is, as richard says, the risk of making

i wrote a check to the ira's for $124,000. -- to the irs for $124,000. if you figure that these people are getting $1,200 a month, these people living right within the same vicinity, that is about a 1440 the year. i took care of nine people. with the that money that should have gone to my son, i give it to retirees who took a vacation or went to another casino or racetrack or baseball game. i'm tired of just giving money. i understand in paying for civil maintenance, roads, everything that benefits us all. but this paying tribute to a few, paying tribute to a few entitlees who will then in turn of the democratic and take the money i send them -- in turn of the democratic and take the money i send them and give campaign donations to the democrats, which is reverse logging, because i am republican -- the whole system is so twisted that if i could find a way of opting out and stopping my business, which, by the way, i've laid off -- business has all power and can in source, of course, led o -- lay off, invest overseas, and offshore. people ought to remember

and by continuing to invest in your 401(k) at work or mutual funds or ira, you have actually made money. most people who have continued to invest over the last two years have more money today than they did two years ago because they had the fortitude to stick it out. keep doing what you're doing because you've got the magic answer. >> another question, should individuals invest, buy stocks, mutual funds? what about the etfs that are so cheap, so inexpensive to buy. what is your favorite thing? >> very clearly etfs, exchange traded funds. the days of buying individual stocks are over. when you can have the biggest companies in america and the world go broke, whether looking at general motors or aig or lehman brothers or bear stearns or freddie and fannie. when the biggest and the best in the industry can go broke, that shows the days of buying individual stocks are gone. you need instead to buy baskets of stocks. that's what a fund is. don't buy retail mutual funds. buy exchange traded funds. as you pointed out, gerri, they are dirt cheap. you can buy them for practically nothing. and it

. >> if you are building a bridge i assume that the ira and its coming from the bridge is coming fromnd i are factory on the tools used to create the bridge? i'm assuming the trains coming to create are coming from the private sector. i also assume the engineering studies and architecture studies are private sector jobs, are they not? >> certainly so. >> so the one job that might be created to build the bridge or multiple jobs that might be used to build the bridge are actually having a ripple effect in the economy. and at the private sector is benefiting quite tremendously just using the scenario that the supply for the bridge are coming from a private sector, the tools being used to build the bridge are coming from the private sector. the engineering studies are coming from a private sector, the architecture studies are coming f it's ly to get the money to build a bridge to take it away from me. i might have bought something and what have been the same -- >> do you have the capacity to build a bridge or a tax cut? >> look, if in fact there were any substantial documented portion of

>> guest: ira number of people who are people thinkers. one thing where i'm extreme, i design a piece of equipment in a drawing, i can test one in my head like a virtual reality computer system. i thought every designer can do that but i found out they couldn't. and i interviewed people how they think, and i was shocked to fine out most people didn't think how die. people say think about a church steeple. i think of specific ones. other people get a generalized image. i don't have that. i only have specific ones. >> host: you in thinking in pictures, dr. grandin, you talk about three different types of thinkers. what are those three different types? >> guest: i thought everybody on the autism spectrum was a visual thinker like me. i found out that's not true. from the revised edition in 2006 it changed that. i found out interviewing a lot of people, there's three basic thinking types. the think about the autistic mind or asperger mind, it's a specialist mind, strong in one area, bad in another. visual thinkers like me, think in photo pictu

. >> next on "clark howard --" >> caller: we're looking at these self-directed iras that supposedly youl estate in them. >> that is something that just freaks me out. that is such a smart way to handle car buying because it means that you will never owe more on the car than what it's worth. and it means you will own it free and clear without any monthly payment for years and years and years. >>> ed is with us. ed, how are you? >> caller: good afternoon. very well. and you? >> wonderful, thank you. >> caller: i need your advice in an area that's a little bit confusing. >> okay. >> caller: and that is self-directed i.r.a.s. my wife and i have accumulated a little bit of money in regular i.r.a.s, not roths. we've had them in cds, and as you know, they're not paying much right now. >> the money in the i.r.a.s, is it money you'll need in the next few years or 20 or never? >> caller: we want to live off income from the i.r.a. >> starting how soon? >> caller: we're starting to eat into the principle right now because of the low interest rate. but, you know, we're looking at these self-directed

i never forgot what the ira told her. dillard and they came close. they said that we felt tonight, but you have to succeed 100 percent of the time. we don't. we hope that we succeed 100% of the time. as good as we are, we can't expect to succeed 100% of the time. we have got to somehow figure ways of getting inside the recruiting chain of these organizations. >> in the largest sense, this struggle is going to be with us for a long time. with all respect to richard, i am always told that my foreign- policy is too ambitious. but the notion that a judeo- christian culture will get inside their heads and convince them to go in a different direction -- i agree with you that they have to deal with it by our ability to -- influence their decision. what i worry about, and i was critical of the bush administration for this, his foreign-policy that is built around fighting that struggle. there is too much else going on for us to focus only on this. to see everything going on through the lens of this struggle. the paradox is, as richard says, the risk of making