Bernard, I took a look at that Buying Guide you linked. Most of it is good basic information although not totally up-to-date(e.g. no DPLIIx discussion)and with some audio mythology and paranoia(e.g. analog connection "degradation" or the power rating whining)thrown in which can be misleading.
Now, as I do when I discuss investments and taxes on other boards or personally, I also have to smack you for saying that a "nice refund" is a "good thing". All it means is that you didn't do your withholding allowances on your W4 or your estimates correctly and you gave the federal government an interest-free loan of your money.
