personal finance

This was the subject line of an email a friend recently sent me. As soon as I read it I knew what it was about. The last few times we were together she mentioned her indecision about having a third child. We reviewed the positives and negatives and now it seemed that she had decided to go for it.

No, I'm not referring to getting in shape because bathing suit season is right around the corner, nor am I referring to setting our clocks forward one hour (although losing an hour is pretty much never a good thing). The annual event to which I am referring is none other than tax time.