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If you’re a millionaire, lowering your taxes can be complicated, involving shelters in the Cayman Islands, Swiss bank accounts, fancy trusts, and other strategies — some of which are only arguably legal. But for the rest of us who are not near the top tax brackets, minimizing payments to Uncle Sam can be simpler.

Here are some tips to help you lower your tax bill. Note that some of them require you to act before 2013.

9 Year-End Tax Tips for Non-Millionaires originally appeared on DailyFinance.com on 2012-12-22T07:00:00Z.

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