It is not too soon to think about your tax return.

2018 will bring a change that should be positive for most taxpayers – a lower tax bill. We are mid-way through the year, so now is the time to look at your potential tax-saving moves.
First and foremost, if you are still working and not contributing the maximum to your retirement account, do it now. You either send the money to Uncle Sam or yourself – I think your pocket is the better choice.
Check your deductions as the standard deduction has been increased for 2018. The standard deduction for single tax filers is $12,000 and for joint filers, it is $24,000. If you are just at the line between itemizing and using the standard deduction, try “bunching” your deductions. One way to do this is to pay your property tax for 2018 and 2019 this year to be able to itemize. Please keep in mind, you may have to use the standard deduction next year by bunching deductions this year.
If you have a lot of medical expenses, 2018 brings a lower threshold to qualify. For 2018, the medical expense threshold has dropped to 7.5% of adjusted gross income vs. 10%. Keep in mind that the threshold returns to 10% in 2019, so you may want to bunch in this area also.
By looking at your potential 2018 tax bill now, you will not over pay your estimated tax, thus giving Uncle Sam an interest free loan all year.

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