But a long-term plan may not be enough to ward off short-term risks.
Ignoring correspondence from the IRS just gets you into more trouble. Missing deadlines costs you money. Plus, it's not always bad news.
H&R Block and Jackson-Hewitt are offering free preparation of 1040EZ forms at the discount retailer's stores. Wal-Mart also offers economical cashing of refund checks.
Many qualities separate these locales, but perhaps the most important is access to jobs.
12% of taxpayers making $1 million or more were audited last year, up from 6% in 2009. Among those making less than $200,000, the audit rate stayed near 1%.
Analysis of plan says the rich would see taxes cut 15% and the middle class would see taxes fall 2.2%. The plan would increase the deficit, something the GOP candidate disputes.
Organizing your financial information at the beginning of the year will make next year's tax return easier to prepare. Brush up on tax law, too.
One-Percenter of the Week: The Senate's median net worth is $2.63 million. The House's is $756,00.
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The Market Dispatches column has been discontinued. Here's where to find the latest stock and business news on MSN Money, and the latest from market writer Charley Blaine.
MONEY & POLITICS
Breaking up big banks is an untested solution to the too big to fail problem that attempts to isolate and dismantle large, troubled institutions while protecting the rest of the economy.
Joe Cantrell says he faces charges after trying to take advantage of the retailer's policy.
The IRS is struggling to combat identify thieves who file fraudulent tax returns in the names of older residents who don't need to file.