Many families look forward to a tax refund check showing up in their mail. It's a nice treat that comes with spring. 

Every year, I drop my federal and state tax returns into the mail on the same day. And since I've always gotten refunds, I've played a little game to see which comes first. Some years, they've arrived almost on the same day. The last couple of years, the federal refund outpaced the state by a comfortable margin.

This year? My federal refund came a week ago. I'm still waiting on the state.

Does this mean that the federal government is more efficient than state government? A scary thought.

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