They pay extraordinarily high fees for those funds, often without realizing it, and must accept the returns of managers selected by the plan administrator.

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Companies that specialize in logistics (like UPS and others) now offer convenient solutions for small businesses to accept returns from their customers and compete with larger online stores.

FORBES: How Reverse Logistics Makes Online Returns Easy And Keeps Customers Happy

On Sunday, February 10, the IRS will accept tax returns which include federal form 4562, Depreciation and Amortization, and on Thursday, February 14, the IRS will accept tax returns which include federal form 8863, Education Credits (for taxpayers claiming the American Opportunity Tax Credit and the Lifetime Learning Credit).

FORBES: IRS Announces Filing Dates For Taxpayers Claiming Education Credits, Depreciation

Donnelley argued the IRS was only allowed to review the 1991 and 1992 returns, and had to accept any carry backs from 1994 because the statute of limitations had expired.

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You must be prepared to accept lots of uncertainty in your annual returns and some uncertainty in the long-term return.

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The action in the bond market suggests that many are tired of the very low yields, and are now willing to accept more risk in search of better returns.

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They also accept deliveries from luxury online fashion website Net-a-Porter and can handle any returns or exchanges on your behalf.

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If you accept this go-slow thesis, could you turbocharge your returns further by buying the least risky stocks and shorting the riskiest ones?

FORBES: Magazine Article