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.

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.

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

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

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!