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answer : tax returns are refunds you get because the IRS withdrew too much from your paychecks or had withdrawals from other investment accounts. While it may seem like a great thing to have a tax return come each april, you pay for it the other 11 months of the year.

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A downside of receiving a tax refund is that the taxpayer receives a refund of money paid in excess without the interest or benefits that he could have obtained in case of not having paid the money.

In other words, the taxpayer receives a refund due to a bad government tax settlement and this refund does not contemplate the chance of lost investment or the accumulated inflation during the period that passes between the payment and the refund.

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