Money and tax moves to make by Dec. 31

There's still time to make financial moves that could save you some much-needed cash, as well as reduce your 2011 tax bill. So in these last few days of the year, check out the year-end suggestions on ways to:

• Cut your taxes, 
  
• Shape up your investments,
  
• Ramp up your retirement savings,
  
• Maximize your giving, 
  
• Improve your small business, and
  
• Deal with general financial details.

You've got four days until Dec. 31, so hurry!