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I find it hilarious that the jew bankers get there money in interest but the hard working employee gives out a free loan to the govt. Thats why i claim as much as i can, so i get a bigger check every week. I need my money as i earn it, not once a year when the govt feels they are done borrowing my free money...especially if you own property, you should be able from sept till the end of the year file exempt and still get some back, if you do your taxes right...avoid h and r block at all costs..they are a rip off and the people doing the returns are idiots.