We have owed a significant amount for the past 3 years. We elected to withhold 25% for federal last year, and we now finally have a refund. It sucks to hand over all that money at the end of the year. Taxes are theft!Haven't pull trigger on anything. Just dropped my tax to my accountant yesterday. I better put on the breaks just in case(strong feeling I'll be paying back Uncle Sam AGAIN. Too bad I can't write off coral losses.