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That knowledge can help you plan to save for the bill and reduce the likelihood that you'll need to take out a loan or use a credit card to cover it. 2) You increase your risk of tax identity theft  Tax returns in which someone uses a stolen Social Security number to file continues to be a problem . Try to get your return in before a thief pretending to be you does. "People who are trying to scam the system are getting their fake returns in very early," said Martin Davidoff, a certified public accountant and tax attorney based in Dayton, New Jersey.

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