greg mcbride is chief financial analyst at bankrate.com, the consumer finance site. for joining us today. >> thank you, becky. happy holidays. >> happy holidays to you. we are at the end of the year, there's only a few days left. so let's start off with these tax changes. is there anything that anybody should be doing at the end of the year, tax moves that you could make now that you won't be able to make in just a few days? >> yeah, i think there are a couple action steps to take this week given the latest tax reform. if you're in a situation where you're in a high tax state and you're going to bump up into that $10,000 threshold for deducting state and local taxes in 2018, you may want to look at paying your 2018 property taxes this week, before the end of the year. get that on the 2017 taxes so you can deduct it. now you can only do that if you've actually been billed for it. also some states will actually give you a discount for paying it early. >> i hear what you're saying about prepaying your property taxes if you can. but, i've also had people tell me that you