Payroll deductions


I have extra money taken out of each paycheck to ensure that I get a refund from the IRS. A lot of my friends say this is a bad idea because I’m giving the government an interest free loan with money I could use myself. What do you think?


How early should I begin tax planning?


It’s December now, and again, I have failed to plan. What is my best strategy? Should I meet with an accountant now? Is it too late? Will I have to file an extension?