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CHICAGO - DECEMBER 19: President-elect Barack Obama (C) speaks during a press conference to announce his nomination of venture capitalist Karen Mills (R), nominated to head the Small Business Administration. (Photo by Ann Ryan-Pool/Getty Images)
CHICAGO - DECEMBER 19: President-elect Barack Obama (C) speaks during a press conference to announce his nomination of venture capitalist Karen Mills (R), nominated to head the Small Business Administration. (Photo by Ann Ryan-Pool/Getty Images)
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Banks Aren’t Lending: Where Can Small Business Owners Find Money?

There is no question that new banking regulations, combined with skittish business owners, and current economic uncertainties, are taking their toll on small business expansion.

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WASHINGTON, DC - JULY 17: David Bagley (L), head of group compliance, HSBC Holdings plc, London, England, and Paul Thurston, chief executive for retail banking and wealth management, HSBC Holdings plc, Hong Kong, look over papers during a Senate Homeland Security and Governmental Affairs Committee hearing on Capitol Hill, July 17, 2012 in Washington, DC. The committee is hearing testimony United States vulnerabilities to money laundering. (Photo by Mark Wilson/Getty Images)
WASHINGTON, DC - JULY 17: David Bagley (L), head of group compliance, HSBC Holdings plc, London, England, and Paul Thurston, chief executive for retail banking and wealth management, HSBC Holdings plc, Hong Kong, look over papers during a Senate Homeland Security and Governmental Affairs Committee hearing on Capitol Hill, July 17, 2012 in Washington, DC. The committee is hearing testimony United States vulnerabilities to money laundering. (Photo by Mark Wilson/Getty Images)
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Don’t Trust Your Bank?

If you put $5,000 in a Roth IRA at age 19, and never put another dime in, even earning a modest 7%, you would have over $190,000 at age 72. At 9% you’d have half a million.

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