Guido, where have you been hiding?. Never heard of RRSP or private investments with loop holes to beat the system. Hiring the right accountant is as important as choosing the right wife.
In some cases, paying the government on April 30th (assuming you didn't underpay on your instalments if you are self-employed), is a good thing, because generally, a refund means you overpaid your taxes during the past year, or effectively gave the government an interest free loan.
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