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AACREDITUNION.ORG | 7 Tax facts for 2018 The Tax Cuts and Jobs Act of 2017 means big changes for 2018 federal income taxes. Whether you are getting your taxes done professionally or take care of them yourself, there are tax changes you should be aware of: Get organized Download these apps in 2019 and have your most productive year yet. Taskful A color-coded progress bar visually tracks your to-do lists as you check off tasks throughout the day in eight customizable categories, including shopping, school, work and health. (Bonus: It even tracks your steps!) Things 3 Divvy up tasks into multiple views (e.g., today vs. upcoming), break them down into sections with individual headings or manage tasks en masse. Best of all, this version has the functionality to create to-do lists from other apps. Spark 2.0 This email enhancer application is specifi cally designed for teams. Privately comment on a group message or invite others to chat about a convo, help you create an email or draft a reply together. — G.M. you should be aware of: Tax rates for most brackets fell. Married taxpayers fi ling jointly with income from $77,401 to $165,000, for instance, pay 22 percent, down from 25 percent. There is no more personal exemption. The standard deduction given to most fi lers roughly doubled. Married joint fi lers get $24,000. The child tax credit doubles to $2,000 per child. Combined deductions for state and local income, sales and property taxes can't exceed $10,000. Mortgage interest is only deductible for purchase loans up to $750,000. Home equity loan interest is not deductible. Recharacterization of funds converted from IRA, 401(k) and other retirement accounts to Roth IRAs is no longer allowed. When in question, it's always best to consult with a tax professional. — Mark Henricks The carry-on suitcase has evolved over the decades. These smart picks will help you roll smoothly through security with everything you need. Werks Traveler 6.0 Softside Frequent Flyer Carry-On, Victorinox Trust the makers of the Swiss Army knife to trick out a bag with a USB port, SIM card tool and — what else? — a ballpoint pen. $369 — Gina Mayfi eld