That's the sweet spot. Then you know you had your money all throughout the year and weren't giving Uncle Sam an interest-free loan.

I think it's dangerous any time you spend money before it's in your hand. You never know what's going to happen.

Because of the way this form used to work, it calculated the tax as if you had received the money over a five-year period. You would divide it into five equal parts and pay taxes on each of those parts which significantly reduced your tax bill.

It may be true "You can't take it with you." but if you are a creative bookkeeper...Uncle Sam won't get any either.

If you're getting a refund, you'll get that refund sooner.

I'm not thinking [the accelerated tax rate reductions] would have a huge impact. They always like to say it's an economic stimulus package because they want to give the illusion that the economy is recovering that people will have more money. But it's only a small drop in the tax rates and I don't think in the grand scheme of things most taxpayers are really going to notice it.