You can open up an IRA between now and April 15 and put money in for 2005, or you can also open an IRA and contribute to 2006 for next April.

If you have a child under 17, you can take up to $1,000 off your tax liability per child and it doesn't matter how many kids. If you have five, that's $5,000.

Hurricane Katrina -- if you housed a victim for more than 60 days there's an extra $500 exemption. It's as if you have a dependent or if you were supporting someone for the year and that is unique for this year.

I don't know if it's the sunshine, or the fact that I actually have a job, but I do like L.A. a lot. In New York, it can be gray and rainy and cold, and you still don't have any money, and you feel like a bad Dickens character.

The pressure now is to get into the workplace and start earning money.

About 85% of money comes from private sources.