Today I’ll begin the process of filing my income taxes.  I’m printing out copies of last year’s return, organizing my various documents, and searching for a free place to file.  If I find out that I have to pay additional taxes, I’ll wait until April to actually file my return.  If I find out that I’m going to get a refund, I’ll file my taxes immediately.  I hope I’ve managed to withhold just enough so that I either owe a very small amount or get a very small refund.  I’d hate to know that I’d given the IRS an interest-free loan this year.  For those of you who get major refunds this year, change your withholdings!  You’ll have more money each month.