Tax Withholding: If you receive a sizeable refund, you are giving the government a tax free loan.

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Money saved by using free tax prep, added to part of a refund, could go right into a savings account or be used to pay down debt.

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According to Global Refund, a company specializing in tax-free shopping for tourists, the Chinese account for 15% of all luxury items purchased in France but less than 2% of its visitors.

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Many people celebrate their tax refund as if it was a gift, rather than the return of a forced interest-free loan.

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