Tax time is upon us! Normally, there’s little to celebrate about this time of year, except maybe that we’ll get two extra days to have our taxes postmarked (taxes are due April 17th because the 15th falls on a Sunday, and the following Monday is a Holiday in the District of Columbia). But here’s something to celebrate: the “5 Neglected Tax Deductions that Can Save You Big.” For eligible tax payers, these deductions just may come as a welcome surprise.

For those who are thinking about retiring someday, whether you’ve begun investing or are just in the planning stage, you’ve probably had questions about your options, and the basics you should know about different investment types. This article defines and explains the most common investing options so you can determine which investment types may be the best fit for you. Regardless of which option you choose, the sooner you begin investing, the better off you’ll be.

Question: My dad and his wife have about $300,000 invested in Mutual Funds and are less than a year from Retirement. Within the last year their adviser moved some of their money from 1 fund family to another, explaining that he did not like the options in their current family. The problem I have is that he moved that money from A shares to B shares. That doesn't seem right.

Many people wonder, “What are options and how do I invest with them?” The average investor should do a lot of research before investing with options, as they can be quite complex. However, the advantage of option investing is that your money goes further. In fact, each option (the equivalent of 100 shares of stock) costs only a fraction of what it would to purchase those shares outright.

When picking a Life Insurance company, it is very easy to focus only on the premium, or cost of the Insurance, especially if it is a term, or temporary policy. There is usually not a wide variance in the premiums of comparable term insurance policies.

There is a debate between socially responsible funds (no sin investments) and sin investments. While socially responsible funds try to be environmentally and socially responsible, sin investments look to capitalize on the consistency of human vices.

I am a saver and I am always looking for a good deal. I will drive 5 miles out of my way to save 5 cents on a gallon of gas. So I thought I’d share some of my best money saving tips. I hope they help.

I was talking with my brother the other day, and found out he is going to refinance his home mortgage from a 30 year fixed rate Loan to a 5 year adjustable. Well this set off an argument. I mean, what is he thinking? America is just now barely getting out of the worst housing economies in our history. The majority of that problem had to do with people buying homes they really couldn’t afford, with adjustable Loans, that if interest rates change, they are in deep trouble and can no longer afford the mortgage payment.

The banking mess simplified

Have you ever wondered the difference between Money Market, Savings Account, Checking account or a bank CD? It can be confusing.

When looking for life insurance, it is easy to become confused by the many types of coverage available.  I like to use the following analogy with my clients, to help them understand the basic differences between Permanent Insurance vs Term Insurance.