Refunds: Well, you don't always know, and I can give you an example. Three years ago our (former--and you'll soon know why) accountant did our returns and said we'd be getting a few hundred back from the Feds, maybe about a hundred from the State. Lo and behold several weeks later there was an electronic deposit in my bank account for thousands from the Feds and many, many hundreds from the State. Like Elmore, I was convinced they had made some error. I called the Feds and actually (believe it or don't) got a very knowledgeable and nice lady who informed me, after looking up the records, that our idiot accountant had forgotten to include my self-employment taxes in the taxes paid and had therefore miscalculated the whole return, including our refund.