I made a mistake in the Roth IRA excess contribution calculations. So this morning, I pulled up the figures again, corrected the spreadsheet, called the broker, and got that squared away. I think this year, it'd be a better idea to not contribute to the Roth IRA. Wait until I do my 2008 taxes in early 2009 and see how much I can actually contribute before sending the check in. That'll save some work.
One of the steps in calculating earnings on excess IRA contributions is to compute the account balance just before the excess contribution was made. That could take a bit of research in cases where a mutual fund no longer exists. While Yahoo! Finance has historical price data, it appears that the data goes away when the ticker symbol goes away. I did some Googling and luckily, MarketWatch still has the info.
I wrote previously that I didn't see any signs of a precious metals correction and that when it happens, it'll be a surprise. Well... surprise! Gold, which had been hovering near $1,000/oz, fell close to $900/oz today. It's about time! If this correction is for real, I expect to see it down to $800-810. (Nov/Dec support level) However, my approach would be to scale in gradually.