Tom and John Mills are registered investment advisers and certified financial planners. Reach them at 254-0155, 

Do you work part-time, or earn less than $65,000 a year? If so, you might be eligible to fully or partly claim the saver’s credit – a federal tax credit that gives part-time, low-income, and moderate-income workers an extra incentive to make retirement account contributions.

Life is full of big decisions. These decisions may include things like a college major, who to marry or not marry, career options, where to live, or even about rather simple things like where to vacation.

Last year, Forbes reported that parents spent an average of $495 per child for Christmas. That number surprised me and was confirmation that many of us have lost touch with what the holidays are supposed to be.