1. The government is eager to returning you money on your taxes. Anxious, eager as they say, maybe not, but you can get yourself a little money back if they do not present your annual statement. I got the trick: You keep some money for five years or more and only pay taxes when you take it out. It's like the IRS hiding these resources during this period. You must open an account on an insurer or a distributor of funds, through the scheme of Article 218 of the law of income tax. So if you need a break this year, that's a good chance. Run to open the account because you have to do before filing the annual statement. The advantage is that this