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		Turning refunds into gold Feb 17: 3:00p Expecting a refund on your taxes this year? Here's how to maximize that value of your IRS check. (more) Taxes: 4 ways to save in 2003 • New tax rates, contribution limits   Oops! 10 biggest tax blunders Mar 25: 10:24a Forgetting something? Keep an eye out for common errors (more) 5 ways to avoid an audit   Do you cheat on your taxes? Apr 2: 2:57p Most taxpayers say they don't cheat. Little white lies are another matter. (more)   more tax stories SAVINGS STRATEGIES Money 101 – Taxes How much should you withhold? 5 ways to avoid an audit Roth or traditional IRA? Who's afraid of the AMT? PLANNING AHEAD Money 101 – Estate planning Share the wealth Tax planning: A year-round job Your friend: The 401(k) The IRA advantage  TAX RATES DECLINE  Old rate  2002-2003  2004-2005  2006-2010 39.6%  38.6%  37.6%  35%  36%  35%  34%  33%  31%  30%  29%  28%  28%  27%  26%  25%  15%  Same  Same  Same  10%  Same  Same  Same   NEW FEDERAL LIMITS  401(k) contributions  age 50+  In 2002: $11,000  $12,000  In 2003: $12,000  $14,000  IRA contributions  age 50+  In 2002: $3,000  $3,500  In 2003: Same  Same  Estate tax exemptions  highest rate  In 2002: $1 million  50%  In 2003: $1 million  49%  College savings  - 529 plans: Withdrawals became tax-free in 2002  - Coverdell Education Savings Accounts: Contribution limit climbs to $2,000 in 2002  - Starting in 2002, you may contribute both to a 529 and a Coverdell account		• Do your taxes online  • Work with a tax pro online  • No credit card needed  • What's right for you?  • Free e-filing  • Ask a tax advisor  • TaxCut software  • Find an H&R Block office  • Get a refund within 24 hours  • Tax outlook calculator If you've already paid certain taxes you may be able to claim them as itemized deductions. The three types of taxes that are good for a write-off include: state, local and foreign income taxes you paid in 2002, real estate taxes and personal property taxes you may have paid for a car or boat. You'll claim the itemized deductions on Schedule A that accompanies the federal Form 1040. For more information, see Publication 17, which you can download from the IRS web site (www.irs.gov). More tax tips   TAX REFUND SAVINGS CALCULATOR   Refund amount:  $  Interest rate:    % Number of years:       RESULT: Your refund will grow to: $

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