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WE ARE NOW JUST THREE DAYS AWAY FROM THE TAX FILING DEADLINE. IF YOU HAVENT ALREADY, TAXPAYERS MUST SUBMIT THEIR RETURNS OR REQUEST AN EXTENSION BY MONDAY. BUT MOST PEOPLE ARE RECEIVING REFUNDS WITHIN 21 DAYS. FOR SOME LAST MINUTE TIPS ON FILING I AM JOINED BY OUR CBS ANALYST. SO EVEN IF YOU ASK FOR AN EXTENSION, YOU STILL MAY GET DINGED WITH PENALTIES. PEOPLE DONT REALIZE THIS. LETS TAKE A DEEP BREATH. YOUVE GOT THREE DAYS TO GO. YOU ARE FALLING INTO ONE OF TWO CAPS, YOU ARE EITHER A PROCRASTINATOR OR YOU OWE MONEY. ING TO IRS STATISTICS WEVE ALREADY SEEN 90 MILLION RETURNS FILED, THAT LEAVES ABOUT 40-50 MILLION TO GO. LETS TALK ABOUT PEOPLE THAT ARE JUST PROCRASTINATORS. GO TO THE IRS WEBSITE, EVERYTHING IS THERE. THERE IS ANY FILE SYSTEM. ELECTRONIC FILING, THE SAFEST AND FASTEST WAY TO FILE. AND IF YOU EARN LESS THAN $79,000 YOU WILL BE ENTITLED TO THE IRS THE PRE-FILE. THIS IS SOFTWARE, THEY WORK WITH PRIVATE COMPANIES AND YOU GET IT