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1、外文翻译原文TaxPlanningBasicsMaterialSource:About.comAuthor:WilliamperezThegoaloftaxplanningistoarrangeyourfinancialaffairssoastominimizeyourtaxes.Therearethreebasicwaystoreduceyourtaxes,andeachbasicmethodmighthaveseveralvariations.Youcanreduceyourincome,increaseyourde
2、ductions,andtakeadvantageoftaxcredits.ReducingIncomeAdjustedGrossIncome(AGI)isakeyelementindeterminingyourtaxes.LotsofotherthingsdependonyourAGI(ormodificationstoyourAGI)--suchasyourtaxrateandvarioustaxcredits.AGIevenimpactsyourfinanciallifeoutsideoftaxes:banks,m
3、ortgagelenders,andcollegefinancialaidprogramsallroutinelyaskforyouradjustedgrossincome.Thisisakeymeasureofyourfinances.Becauseyouradjustedgrossincomeissoimportant,youmaywanttobeginyourtaxplanninghere.Whatgoesintoyouradjustedgrossincome?AGIisyourincomefromallsourc
4、esminusanyadjustmentstoyourincome.Thehigheryourtotalincome,thehigheryouradjustedgrossincome.Asyoucanguess,themoremoneyyoumake,themoretaxesyouwillpay.Conversely,thelessmoneyyoumake,thelesstaxesyouwillpay.Thenumberonewaytoreducetaxesistoreduceyourincome.Andthebestw
5、aytoreduceyourincomeistocontributemoneytoa401(k)orsimilarretirementplanatwork.Yourcontributionreducesyourwages,andlowersyourtaxbill.YoucanalsoreduceyourAdjustedGrossIncomethroughvariousadjustmentstoincome.Adjustmentsaredeductions,butyoudon'thavetoitemizethemonthe
6、ScheduleA.Instead,youtakethemonpage1ofyour1040andtheyreduceyourAdjustedGrossIncome.AdjustmentsincludecontributionstoatraditionalIRA,studentloaninterestpaid,alimonypaid,andclassroomrelatedexpenses.Afulllist4ofadjustmentsarefoundonForm1040,page1,lines23through34.Th
7、ebestwaytoboostyouradjustmentsistocontributetoatraditionalIRA.Asyoucansee,twoofthebestwaystoreduceyourtaxesistosaveforretirement,eitherthrougha401(k)atworkorthroughatraditionalIRAplan.Contributionstotheseretirementplanswillloweryourtaxableincome,andloweryourtaxes
8、.IncreaseYourTaxDeductionsTaxableincomeisanotherkeyelementinyouroveralltaxsituation.Taxableincomeiswhat'sleftoverafteryouhavereducedyourAGIbyyourdeductionsande
