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>My definition of a financial advisor is someone who wants an annual percentage of your investments and does not give reliable tax advice. <

Oh, Debra, you are so right! Doesn't give reliable advice period! I've just learned that the hard way. Now I'm on to learn how to manage my money myself.

I agree about doing one's own taxes. You'll be making decisions all year long based on what you know, and it's not too hard to learn. But don't wait till April. Read boards like this now, and research tax law changes, and you'll be fine.

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