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成功人士会做的事(双语)

The things successful person will do

成功人士会做的事

If you received a large refund on your 2013 taxes, or had to pay a large amount to the IRS, you may want to consider adjusting your withholding rate. Ideally, you should fine-tune your withholding to pay just as much as necessary.

如果你收到一个大的偿还额在2013年的税收,或不得不支付美国国税局大量税款,您可能想要考虑调整你的扣缴率。理想情况下,你应该像调整你的预扣款一样必要。

If you’ve been meaning to make a donation and want to lower your tax bill for 2014, be sure to make your contributions before the end of the year.

如果你一直想捐款并希望2014年降低你的税单,一定要让你的贡献在今年年底之前实现。

Many investors employ tax-loss harvesting as a strategy for reducing taxes on realized gains from winning investments. To claim any losses against this year’s realized capital gains, you’ll need to sell your investments that have lost value by the end of the year. Read Viewpoints: “Tackle taxes: Got gains or losses?”

许多投资者使用税损收获作为投资赢得已实现收益的策略的减税策略。声称对今年实现资本利得的任何损失,你需要卖掉今年年底已经失去了价值的投资。阅读的观点:“解决税收:有收益或损失吗?”

One way to maximize the value of tax deductions is to bunch two years’ worth of itemized deductions into a single year. For example, if you have unreimbursed work expenses that you incurred early in the year, you might be able to accelerate payments for deductible expenses in order to pull next year’s expenses into this year and double up your 2014 deduction.

减税的价值最大化的一种方法是堆两年的扣减额为一年。例如,如果您有未尝还的工作费用也就是你在年初发生的费用, 为了把明年的费用到今年和2014扣除,你也许可以加快支付扣除费用。

Flexible spending accounts have use-it-or-lose-it deadlines. The U.S. Treasury Department did relax the rules a bit this year. Employers can allow participants to carry over up to $500 in unused funds into next year, so check with your employer and make sure your balance doesn’t exceed that.

灵活支出帐户有那种要么利用要么流失的最后期限。美国财政部今年稍微放松了规则。雇主可以允许参与者携带超过500美元闲置的资金到明年,所以要与你的雇主协商,并确保你的余额不超过。

The broad stock market has outperformed the bond market by a wide margin, meaning your balance of stocks and bonds may have changed. You may need to bring your portfolio back in line with a diversified mix that is best for your situation (read Viewpoints: “The pros’ guide to diversification”). For help, use Portfolio Review.

宽阔的股市表现优于债券市场还有很大差距,意味着你的平衡股票和债券可能已经改变了。你可能需要带来最适合您的情况的投资组合的多样化组合 (阅读观点:“优点”多元化指南”)。寻求帮助,使用组合审查。

One important point to keep in mind is that retirement accounts pass directly to named beneficiaries, rather than becoming part of your estate. That can provide significant tax advantages for your heirs. So review your beneficiary designations, especially important if you have had some changes in your life, such as a birth, or a death, or a change in marital status.

很重要的一点要记住的是,退休账户通过直接命名的受益者,而不是成为你的财产的一部分。这可以为您的继承人提供显著的税收优势。回顾你的受益人名称,尤其重要,如果你在你的生活中有一些变化,如生,或死,或婚姻状况的变化。

from :  www.forbes.com
本文由小E 编辑Tina Lin整理翻译,转载请标明出处

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