Many people would argue that getting a large refund is a great thing. At face value it is - if given the choice of owing money come April 15th or getting a large refund I would definitely choose getting a large refund 10 times out of 10. Now, on the other hand, if I could determine, from all possible scenarios, what my outcome would be, I would choose either breaking even or even owing a

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Too often we plan for things that may or may not happen. Auto insurance in case of an accident; homeowners insurance in case of a fire. But we don't spend any time planning for things that will definitely happen - taxes and

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