In this week’s reader mailbag, a look at using a store’s return policy to get a discount.

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If you’re missing a W-2 Form stating your wages from the prior year, contact your employer and call the IRS for assistance at 1-800-829-1040. Even if you don’t receive a W-2, you still must file your income-tax return by April 15 or request an extension. Employers are supposed to mail out W-2s by Feb. 1. - Russ Wiles

Calculate your Cash on Cash Return by simply divide Net Annual Cash Flow by Total Cash Invested. This percentage/ratio can used to compare even un-like investments. Looking at it simplistically, this number shows how much of your cash out of pocket is returned to you each year by this investment.

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