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The clock is ticking on a deadline for Kraft Foods Inc. to make a formal offer for British candy maker Cadbury PLC.

If you're married, you can choose to file jointly with your spouse or separately. If either you or your spouse earns all of the money, you should probably file a joint return.

MILWAUKEE - After one of the worst market downturns in history, some shell-shocked investors are looking to professionals to make investment decisions for them.