As you scramble to complete your holiday shopping, listen to the great questions that we field this week. We start with Karen from Iowa, who holds a large nest egg in illiquid investments. We then shift to Karen, who is getting into the holiday spirit by gifting to her children. (Anyone can give up to $14,000 to an individual without worrying about taxation.

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Steve is trying to decide how to manage his rental income and Dennis wanted to know about Required Minimum Distributions (RMDs).

With just days to go before 2015, check out these year-end money moves!

• 8 Year-End Tax-Planning Tips
• 5 Year-End Retirement Tips

Our guest Gary Zimmerman of MaxMyInterest.com explains his cool new service is like “Uber for cash” and how it can help you boost your returns with NO RISK!

Thanks to everyone who participated and to Mark, the BEST producer in the world. Check out Mark's first-producing credit for this CBS Evening News segment that aired recently. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

What better way to celebrate my birthday week than to hang with my radio/podcast family! Thanks for all of the warm wishes and the great questions, starting with VJ from CT, who is gearing up to purchase his first house. (Here's the New York Times calculator that I spoke about during the show!) After reviewing details of his financial life, we were able to find the right price tag, without sacrificing other financial obligations.

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Joe is considering whether to move out of a variable annuity and into a portfolio of index and exchange-traded funds. By doing so, he would lose a guarantee of 6 percent return inside the annuity, but he would also likely save $5,000 annually.

What a delight to have my pal Dan Forbes, CFP® join the program. Dan is the owner of Forbes Financial Planning in East Greenwich, RI where he specializes in working with individuals and small businesses. He was named a Certified Financial Planner Board of Standards Ambassador in 2011 and you may even recognize him from the Board’s 2014 media campaign in 2014. Dan was my intern back in the day and even then, I knew he was destined for bigger things! We discussed some year-end ideas, what to do about bond investments and why the fiduciary standard is so important. If you would like a copy of Dan’s year-end checklist, send him an e-mail at: dforbes@forbesplanning.com.

Thanks to Jackson, who asked about owning an account as tenants in common, which gave me the chance to draw a distinction between that ownership structure and joint tenants with rights of survivorship.

Thanks to everyone who participated and to Mark, the BEST producer in the world. Check out Mark's first-producing credit for this CBS Evening News segment that aired recently. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio