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Remember the abatement you acquainted aftermost April when—faced with a looming tax-filing deadline—you artlessly activated for an automated six-month addendum for your 2013 return? The alarming is back. October 15, aing Wednesday, is the filing borderline for anybody who took advantage of the government’s adroitness period. As of the end of September, added than a division of the about 13 actor taxpayers who had filed for an addendum had yet to file, according to the IRS. If you’re one of those procrastinators, here’s what you charge to know.

1. This time the borderline is real. No added extensions (one exception: associates of the aggressive confined in a action zone). If you don’t book and pay your tax bill, you’ll get a failure-to-file notice. And you’ll alpha the alarm on a failure-to-file amends (5% of your contributed taxes per month, up to a max of 25%), a failure-to-pay amends (0.5% of your tax bill per month, up to a max of 25%), and absorption (currently 3%).

“You could acquire three things abacus up ages by ages if you do annihilation by October 15,” says Mark Luscombe, arch federal tax yst for Wolters Kluwer, CCH. Of course, if you’re assured a refund, there’s no amends for not filing—and additionally no acquittance until you

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