Article: Special Savings Account May Fund the American Dream

The newly unveiled "Contract With America" tax reform package appears to offer substantial goodies for homeowners and first-time buyers. But how would they apply to you? And are they actually as generous as they look at first glance?

Here's a quick overview of key housing provisions in the House Ways and Means Committee bill introduced last week. Tops on the list is the creation of a new form of individual retirement account that goes by the name "American Dream Savings Account," or ADS. You'd be able to put aside up to $2,000 ($4,000 for married couples) into an ADS.

Unlike a regular IRA, which allows you to avoid taxation on retirement contributions but taxes you later on withdrawals, an ...

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