Plan now so you don't have to pay later! Lower your taxes with unique money-saving tips!

• All new chapters on taxes and: your home; retirement plans; charitable contributions; and capital gains & losses
• "TaxSavers," "TaxAlerts," and "TaxOrganizers" help you trim your taxes in 1994 and beyond·
• Improve your financial future with guidance on how to maximize the tax benefits of your investment, retirement, and estate planning
• All new "Special Focus" feature gives smart money moves for topics of current interest, such as leasing a car, refinancing a mortgage, and exercising stock options
• Your tax-planning questions answered by the professionals at Ernst & Young
• Year-round tax-planning strategies and last-minute year-end tax-saving ideas help you reduce the taxes you owe