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Another thing to remember in the short term is this: You've already earned the majority of your pay for this year, but you will only pay one or two months mortgage interest for this calendar year. Don't make the adjustment too drastic (essentially recognize that 10/12 of the year is over and you will only make 2/12 of your interest payments in the remaining time of this year, so the deduction on 2004 taxes isn't going to be that huge).
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