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It's the Brian Lairr Show on WNYC. I'm Bridget Bergen, filling in for Brian today. And if you haven't

checked the calendar, it's the day before tax day. But procrastinators, we've got you covered. We're

going to end today's show with frequently asked questions about filing your taxes to help you get it all done

before tomorrow's deadline. And joining me now is Andy Phillips, Vice President of the Tax Institute

at H&R Block in Kansas City, Missouri. Andy, welcome to WNYC.

Hi there, and thank you so much for having me. And listeners, we're going to open up the phones right away for you.

Now is your chance.

Ask an expert your questions about filing your taxes.

No need to spend that cash on an accountant for this one.

Call or text us at 212-433 W-NYC.

That's 212-433 W-N-YC. That's 212-433-9692. Get your last-minute tax questions answered.

And Andy, we've established tomorrow, April 15th, is the deadline to file those taxes. But what exactly is due

tomorrow? Are both your state and federal returns due? And if you owe money,

does the payment need to be made tomorrow as well? Yep, that's a great question, Bridget, to get us

started. And so look, for the vast majority of Americans, their federal tax returns are due

tomorrow, April 15th. In addition, New York returns are due

tomorrow as well. So what does that mean? What is really due? Well, first, yes, filing a tax

return or at least an extension by the due date is required to avoid any potential penalties

and interest. Let's break that down a little more.

Now, if you're expecting a refund, generally no penalties or interest are going to apply

because they are actually like, you know, they accrue or based on the amount you owe

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