TAX SHELTERS HAVE gotten a bad rap. Some are illegal, such as offshore companies and bank accounts that aim to hide income and profit from the government to avoid tax. But there are plenty of havens for law-abiding citizens that cut taxes. A tax shelter is simply a way to reduce your taxable income, so you pay less tax, no matter how much or how little money you make. Here are five legal ways for just about everyone to minimize taxes and save more money. Make contributions to