so we are just two days away from a knew year which means a new round of tax it. in 2019 i think has a lot of us confused because we don t know what to expect because of the president s tax overhaul. we don t want you to panic. new tax rates don t go into effect until january 21st so a lot of changes will not hit you until 2019 until that return next year. what changes can you make and what can you do now to get ready? joining susus now is a financia planner, chris burns. good morning to you. it s already the 30th. one more day of this year. people can do the next 24, 36 hours to better set up their return as they mail it in at the begin of the year? very little they can do the next day or two. one thing a lot of people don t realize they have until next april to make contributions to a lot of accounts that have a huge impact still on this year. you can make contributions to an