13 ordspråk av Gail Cunningham

Gail Cunningham

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I am personally discouraged. Consumers do not fully understand the concept of credit, that by using credit, they are committing tomorrow's income today.

For people who live paycheck to paycheck, and every cent is already spent, they're living on the edge.

And one thing can be disaster, a flat tire or high energy prices.

Nobody plans to dig themselves into a financial hole, but going into Christmas 2005 many people were still paying for Christmas 2004.

The people who can least afford it sign up for these loans. Adjust your withholding, talk to your landlord or borrow from your mother--almost anything is better than one of these loans.

These taxpayers have gone all year without the money — money they unnecessarily overpaid to the government to begin with — and suddenly they are in a hurry to get it back. But even a cash advance on a credit card is more attractive than a RAL at these rates if they are that hard up for cash.

The amazing thing about the popularity of these loans is that people are paying triple-digit interest to get their refunds back only a few days earlier.

If a taxpayer files electronically, he'll get his refund almost as fast as he would with a RAL, and he'll often get it without paying any fees or interest.

The RAL must be repaid even if the taxpayer's refund is denied, smaller than expected or frozen. If the taxpayer cannot pay back the RAL, the lender may send the account to a debt collector, which will likely show up on the taxpayer's credit report.

This year we're celebrating 21 years of Keeping America Beautiful through the Great American Cleanup.

The government enjoys having the use of your money all year. They get to spend and invest it for themselves, and you don't. So unless Uncle Sam is your favorite uncle, don't be giving him extra money all year round!

I am foursquare against anyone getting a refund. Become more financially disciplined all year round, and keep that money for yourself.

Reading gardens are a beautiful, fresh way for communities to enjoy green spaces with lasting positive impact for children and adults.

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