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 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!

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.

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.

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