People sometimes think of a tax refund as forced savings, yet, in reality, the taxpayer has provided a loan to the government without earning any interest. If a refund is substantial, check with the human resources department at work to adjust withholding to better match your tax liability.
"Carol Young" is an Australian musician, and a founding member of the United States of America/American Bluegrass music/bluegrass band The Greencards. Young is originally from Coff's Harbour, in New South Wales. Prior to the founding of The Greencards, Young won the Australian Independent Country Artist of the Year award in 2000, and had recorded two #1 Australian-charted country music singles. Early on, Young was a singer in Outback country bands and acts, including Gina Jeffreys. Young was previously nominated as "Best Female Vocalist" by the Country Music Association of Australia, and won the Australian independent country artist of the year award in 2000 due in part to her #1 singles "True Blue Fool" and "Part of the Past".
Before the band formed, Kym Warner and Young both knew each other, and according to Warner had been drawn to bluegrass and American roots music through an appreciation of George Jones and Merle Haggard. Warner and Young toured together in Kasey Chambers's band. After meeting, Warner and Young made the decision to emigrate to America, to pursue musical careers there. Later, Young and Warner were living together in Sydney, and trying to find work in the moribund Australian bluegrass scene. After leaving Australia, they spent time in West Texas before relocating to Austin.
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