Jeff Miller wrote:
will he be fishing with us?

maybe on Sat and Sun, depends on where the travel plans take us.

btw, isn't it the truth that most salaried folks - esp. teachers -
get a refund
because they know they haven't the ability or discipline to save,
don't
make enough to save and pay expenses of living, and won't have the
funds
to pay the tax due on april 15, so they select all the withholding
possible...?

I think there's some merit to your thoughts along with an unrational
fear of the IRS. Back when I used to prepare tax returns for the
masses, I had several folks who thought that paying the taxman on 4/15
increased their chances for an audit. The IRS doesn't help with their
increased audit scrutiny on low income households getting the earned
income credit.

Most folks do not get bonuses and stock options, getting a big refund
is their chance to make a big purchase and pay cash for it, or to pay
off bills accumulated from Christmas and other area lead to it. Even if
they received no interest on the money. They can not fanthom the
difference between letting ones employer over with hold income tax
payments vis a vis having the employer send the money to a savings
account on a periodic basis.

If you're a share holder of H&R Block, it's a good deal for you.