Ludlow, Richard. Turning tax refunds into retirement savings: the treasury's new my RA/ Richard Ludlow. - New York: The New York State Society of CPA, 2016. - v86 n4, page 19; 28 cm. ISSN: 0732-8435 Subjects--Topical Terms: Taxation.Retirement--Savings. Dewey Class. No.: DPer 657.05 C33 Apr - Sept 2016, v86 n4-9