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It's Tax Day (again)!

Welcome back to Tax Day 2012.

As procrastinators know, this is the drop-dead, absolutely final deadline to finish and file tax returns that you just couldn't get to in April ... or May or June or ...

No judging here. I've been in your position before.

So let's not waste any more valuable time.0_Oct 15 seven day countdown

First, take a quick look at the earlier Countdown to Oct. 15 tax tips. You also might want to breeze through this year's Weekly and Daily tax tips for a few more filing ideas and reminders.

This handy tax preparation checklist also makes a good filing cheat sheet.

Once you're ready to enter your info, I suggest e-fling, especially at this late date. Tax software will walk you through the form completion process.

The thing I like about it is that the software's calculators do the math for you and enter the figures on other forms and schedules as needed. Just enter your info carefully. Remember, garbage in, garbage out.

If your 2011 adjusted gross income is $57,000 or less you can e-file for free at the IRS Free File website.

Whether you use software on your own computer or go to the Free File site, don't wait until 11:59 p.m. to hit the "enter" key. Yes, that'll get you in under the wire, but if there's a problem with your return or the system is slow because billions of you are extreme last-minute filers, you could be in trouble.

If you insist on filing the old fashioned way, that's fine, too. As I said, no judging. You might find these tips for snail mail tax filers helpful.

And don't forget your state taxes. Most follow the federal filing schedule, meaning that if you got an extension for your state forms, they're due today, too.

So get the coffee pot warmed up and get to work!

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