Happy New Year's Eve... but wait

Have fun tonight but remember that today is your last opportunity to make any 2019 tax moves. If you want to offset taxable investment gains this is your last day to harvest losses.

Today is also the deadline for making 401(k) contributions and to complete a 2019 Roth IRA conversion.

Oh, and if you want to be generous to a friend or family member today is the last day this year that you can make gifts of up to $15,000 per recipient without gift tax considerations.