In the spirit of holiday shopping, let's consider some 11th-hour tax planning. It won't help you score a Furby for your toddler, but the right financial moves before the end of 1998 will have far more impact on Junior's well-being. The same basic year-end tips tend to get rehashed ad nauseam. So I won't spend a lot of time encouraging you to defer income into next year and accelerate deductions into this year. Ditto for making certain that you use, not lose, any money still in a flexible-spending account at work and for making charitable donations in the form of appreciated...
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