Gallup has been polling this topic for several decades. More than half of Americans feel that they are paying too much in federal income taxes. Reducing income taxes is something everyone wants to do. If you own real estate or a small business, you have more ways to defer taxes. Most people do not own these types of investments. For those who do not, the simplest way to lower your federal income taxes over your life is by contributing to your retirement accounts. Even if you do own real estate or a business, maxing out retirement contributions is still a…

Relaxed and leisurely. That’s how North Beach, the Miami Beach neighborhood that stands in sharp contrast to oft-electric South Beach, was usually described. The family-friendly enclave marched to its own drummer, typically tapping a laid-back beat. But the enclave once best described as “sleepy” is experiencing a true metamorphosis. A swell of new developments priced for just about every buyer has hit the nook, and North Beach is unlikely to ever be quite the same. In 2017, voters approved a change to the floor-area-ratio in North Beach Town Center. That opened the floodgates for the announcement of fresh new projects.…