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

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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.