The Financial Minute is sponsored by Shelby State Bank with offices in Oceana, Mason, Manistee and Muskegon counties: www.shelbybank.com. Every year, nearly 150 million households file their federal tax returns.¹ For many, the process involves digging through shoe boxes or manila folders full of receipts; gathering mortgage, retirement, and investment account statements; and relying on computer software to take advantage of…