Your Money: Mar. 8, 1999

BLOCK THAT REFUND Income tax refunds will break last year's record of $114 billion. They're nice to get, but many Americans withhold too much from their paychecks. The average refund is now $1,700. Instead of loaning that money to Uncle Sam for a year, you could invest it. A calculator at www.irs.gov can help you figure out the right amount for this year, taking new child-care and education credits into account.

E-BIDDER BEWARE Online hagglers at auction websites seem to be getting a lot less than they bargain for. Last year two-thirds of nearly 8,000 complaints about Internet fraud...

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