If you aren't sure or are confused, it's up to you to quiz the preparer until you are comfortable with the return.

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Plus, several income tax forms that you might not read until near return filing make explicit reference to Forms 1099.

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Additional refund If you are amending your return to get an additional refund, wait until you have received your original refund before filing Form 1040X.

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If you purchase a considerably lower amount of risk Treasury and hold it for 10 years until maturity, you are locking into a 2% annualized return that is not protected against inflation.

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Here's the best part:Their yields are substantial, and as much as 95% of the cash they pay out is treated as a tax-free return of capital, meaning you don't pay any tax until you sell your shares.

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You can set up and fund a Simplified Employee Pension plan until Apr. 15, or if you get an extension, the date you file your return.

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You can set up and fund a SEP for 2002 until the due date for your 2002 tax return, including extensions.

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For example, if you have 20 years until retirement, investing your 401(k) plan into treasury bills, might not provide you with the return necessary to grow your wealth.

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