H&R Block has gotten a lot of bad publicity lately, you may have noticed. Clark has never been a fan of the firm’s Instant Refund loans on IRS tax returns, but now H&R Block is duping people in another way, according to a recent lawsuit filed against the company in New York. The company is pushing people who use the rapid refund program to put their refunds into an IRA called the “Express IRA.” According to news reports, the fees for this “savings account” were so much higher than the savings earned on them that people ended up with less money than they put in. It’ll be up to the courts to decide this one, but Clark hopes you will always look out for offers like this. If they sound too good to be true, they usually are. You need to save for retirement. No bones about it. If you want help, the best way to begin is to go to a fee only planner. They will recommend good choices and won’t charge you an arm and a leg. Find a certified financial planner near you at the Web site napfa.org. If you want to do it yourself, start with Investing 101 on the LA Times Web site, latimes.com.