Hi-- Unless your return is very complicated and requires a trained preparer or accountant, get Turbo Tax and file the retun electronically. You can have your refund deposited to your bank account or mailed out. Everyhting is required by law to be in the mail by Jan 31. Realistically you should have all your documents ffrom employers, banks etc. Once you've got that, most people can do their return. H&R Block a good accountant is all you need if you don't like to do it yourself. If you ahve your own biz, everything I've just said depends on whether or not your biz books are closed and the biz tax forms done and filed. I'm an accountant with a small bookkeeping and tax service. I have clients who have already recieved their refunds. I've been a Turbo Tax user since 1987. (I may still have the 5" floppy dos diskettes to prove it too. LOL!) Why wait til April when you can have your refund in Feb. An opinion for all occassions! LOL! KG [Moderator's note: Can even fill it out right on the web at the turbtax site. BIG] [Posted in FML issue 3679]