Columns by Jim Germer Jim Germer writes a popular tax and investor column for The Bradenton Herald. Jim has also written on business and tax issues for McGraw-Hill and the Management Review. Here are some columns he wrote for the Bradenton Herald. If you like these columns, consider calling Jim Germer at (941) 746-5600 for a free initial consultation. Are Financial Advisers Worth It? The Bradenton Herald May 24, 2016 How do you feel about making mistakes with your own money? People are seeking more guidance from financial professionals as they approach retirement. Beware of Dangers of CD Investing The Bradenton Herald April 12, 2016 Retirees and people now living on fixed incomes are watching anxiously, and in horror, as their saving dwindle because of low CD interest rates. Learn how to reduce the dangers of not, diversifying your portfolio. Here's How to Avoid Tax Traps and IRS Audits The Bradenton Herald February 9, 2016 TurboTax, foreign bank accounts, uninsured adults - are all issues that can flag IRS and spark an audit. Should Seniors Buy or Lease a Car? The Bradenton Herald December 8, 2015 Thanks to cars affectionately known as "geezer cars" with electronic stability control, airbags, and backup cameras, seniors are driving longer. Leasing may make sense for some senior if they consider costs, accidents, loss of license, health issues, and death. RS Telephone Scam Targets Seniors, Vulnerable The Bradenton Herald September 22, 2015 Beware of criminals pretending to be IRS representatives, using a telephone scam, trying to collect taxes that aren't even owed. Sarasota Snobs and Mobile Home Renaissance The Bradenton Herald July 21, 2015 Bradenton is rapidly becoming one of the most desirable and expensive places to live in the United States. Find out what some retirees are doing when down to their home and about $100,000. Best $25 Gift for a New Graduate The Bradenton Herald June 2, 2015 What really should be said in a graduation speech, but isn't. Find Ways to Increase Your Tax Refund The Bradenton Herald April 7, 2015 Unhappy with the size of your tax refund? Here's how to get a bigger one next year. Is it Dumb Buying a Second Home? The Bradenton Herald February 10, 2015 Legions of snowbirds have found that second homes are disasters as investments. Keep a Record of Goods Donations The Bradenton Herald December 16, 2014 Donate clothing, household goods and electronics to Goodwill and Salvation Army without risking an IRS audit. Defending Traditional IRAs The Bradenton Herald October 28, 2014 Forget what CNBC says about Roth IRAs. Traditional IRAs are likely the way to go for most of us. Secrets of Long-term Care Insurance The Bradenton Herald June 10, 2014 If you need long-term care insurance, buy it while you're healthy. Perils of IRA Rollovers Next Year The Bradenton Herald August 26, 2014 The IRS is about to get tough on non-conforming IRA rollovers in 2015. CD investors watch out! Taking a Swipe at Credit Cards The Bradenton Herald April 8, 2014 Struggling with credit card debt? Here's how to dig yourself out of debt. Tips for Avoiding Bond Suicide The Bradenton Herald January 28, 2014 Today's conservative investor needs to bear in mind that bonds, just like stocks, have risks. Smart Year-end Tax Strategies The Bradenton Herald November 26, 2013 Use powerful and legal tax planning strategies by year-end to pay less income tax and, hopefully, obtain a bigger tax refund. How to Help-Out Adult Children The Bradenton Herald September 24, 2013 Playing it smart when adult children ask for financial help. Alternative Investments Go Mainstream The Bradenton Herald July 16, 2013 Considering alternative investments in a low interest rate environment. Consider Social Security Planning The Bradenton Herald May 14, 2013 Waiting until your full retirement age can either maximize Social Security benefits or be a costly mistake. Avoid IRS Minimum Distribution Penalties The Bradenton Herald September 11, 2012 Learn strategies to avoid IRS penalties on required minimum IRA distributions. Preserving Capital and Maximizing Retirement Income The Bradenton Herald November 13, 2012 Learn ways to cutback so you can afford retirement. Ways to Avoid Higher Taxes The Bradenton Herald July 10, 2012 If tax cuts expire, look at ways to avoid higher taxes.