Off the topic some......What someone posted about refund money from income tax (if you get back/too much is being taken out etc.). I realize that it has been most of the time adviced to do that and not let the gov. make interest off you when you could be making interest and saving yourself. I have also heard this past year that for some that may be the only way to save. When we were first married we got back money and I liked it!! That money would have been spent nickel and dime here and there. But if you were getting over a couple thousand than it might not be so good. LOL But, with interest so low at this time - saving acct. are not making anything either. So I guess it could go either way unless you were a dedicated saver. Gosh its hard for people to get ahead these days with everything so high (of course its easier to get credit too) unless you already have money invested etc. Just my 2 cents - not putting down what was said b/4.