Can you borrow from an IRA, 401(k) or Roth IRA to invest in a rental property or a business? — Bob H.

It can be tempting to borrow money from your retirement funds, but it's usually not a good idea, warns Frank deNapoli, senior vice president at Winslow, Evans & Crocker in Peabody, Mass. "You're shortchanging your retirement," he says.

I am 31 years old and contribute more than enough to my 401(k) to obtain the company match. I also max out my contribution to a Roth IRA every year.  I would like to contribute to a Roth 401(k), but my company does not offer this plan. Can you help me understand the benefits of a Roth 401(k)?  Also, do you have any recommendations on selling my company on making a Roth 401(k) option available? — Justin

These are some great, simple tips that I have been touting for years. Why not take the low hanging fruit? JP is the author of the money blog My Family Finances and has some great tips. Enjoy!

When you get your offer letter from a prospective employer, what do you do? You find the salary number, wave the paper triumphantly in the air, and completely miss many of the other potential financial benefits contained in an employer's benefits package.

At one time or another, we all have thought, ‘If only knew this when I was younger.’ I purchased my first dividend stock for income in 2003. Like many newly converted income investors, I was chasing yield. I quickly built a portfolio consisting of Real Estate Investment Trusts (REITs), Master Limited Partnerships (MLPs) and high yield, high risk stocks.