With the market down 30% and predicted to go down by 50%, what is the best strategy to distribute income? If you are retired, do you use dividends or reinvest? Do you start selling shares at a loss? Do you accelerate income from IRAs? Do you utilize life insurance or annuities?

With a potential 40% or more drop in real estate - how do you protect yourself as well as take advantage of the times. In the last 10 years, many people have forgotten about the last real estate bust and have bought private REITs, and have incorrectly structured mortgages.

With world deaths mounting and people out of work, life insurance could be provide the family financial security needed - as long as you continue payments and the company pays

You may have recently heard about the time extension the Government has given Americans to pay their tax liability. There has been much confusion surrounding what is required and whom it affects.