More than 26 weeks of year have passed and I know you are not thinking about doing your tax return. But think of this……….would you rather have a large refund or large payment from IRS. Most of you might say large refund. There are several problems with this. One, the IRS uses your money throughout the year. Second, you are paying interest( if you are average american with credit card debt) on that money. Finally, you have a vacation spent already for many tax bills that come up at year end. What to do? Read enclosed link.