If your expenses are higher than your income, you need to find ways to cut back - which can be painful at first.

When you feel strapped and are living from paycheck to paycheck, saving money for anything - particularly retirement - seems impossible. But you must make saving a priority, because the benefits of starting early can't be overstated.

It can be difficult to do, but everyone can benefit from making the effort.

The bottom line is really the bottom line [on income statements] in the stock market and earnings just don't look good. The jobs data wasn't terrible but the economy has run into a wall. Basically, there's nothing to churn the market to the upside. And another 800-pound gorilla in the room is Iraq.

[To lower his taxable income, Hitler resorted to many of the perfectly legal tax avoidance strategies that Germans still use extensively today. He tried to write off his new Mercedes in 1925 as a] company car. ... only a means to an end.

The only thing worse than paying income tax is not paying income tax