#refune

[ash2dusty]

cuddles

[acetheta]

so i had to make a new account ans may have lost 700$

[vyeoh]

It's crazy how incredibly uncompelling the loki finale is

[pikslasrce]

there is no cisgender explanation for this

[steeltwigz]

Being at home sucks and I /was/ gonna say "at least I get free testosterone" bcuz of parents insurance but honestly that isn't even worth it. I'd rather be fucking flayed alive than have to stay here for one more day istg every time I go "it couldn't possibly be that bad" something happens that's just. Mmmmmmmmmmmmmm. Great job guys.

[an-shu]

You know if Hannibal did get a 4th season for whatever the fuck reason I wanna see those crazy cannibal gays take on African or SEA cuisine

[shinyvibrava]

do NOT fucking use rhino when renting a new place, i am dead serious. it gives your landlord so much wiggle room to be extra evil.

[nellicrochet]

Can't wait for cold weather to rock this sweater🔥

[dorianwolfforest]

Me: what is your ancient knowledge The fortune teller i inserted a coin into: You are not asexual asexual, you are demisexual and aromantic and the very connection you need to feel at ease and comfortable about sex is the one you despise. Me: Me: I want a refun- The fortune teller i inserted a coin into: What are we? We should start having deeper conversations. Can I sleep over at your place? Why don't you ever text me first? The outline of my body that's comically still in frame as I'm seen running away in the background: Yeah he's not coming back

[ash2dusty]

Raahh wintersbergfied serennedy be upon ye!

[derrick--man]

nuh uh, what about reFUNment

Now listen, I enjoy a good pun as much as the next suit, but frankly this is just sad. Please up your pun game.

[bardsexlovers]

*Squad reactions to being told ‘I love you’*

Pike: Thanks fam!

Percy: oh no

Scanalan: *cries* I love you too

Vax: Sounds fake but okay

Keyleth: *A flustered mess*

Grog: can i get a refun

Vex: who doesn't

[coffeetablettowers]

the person i bought the three caballeros wallet from never shipped it so poshmark told me to cancel the order to get a refun

i was really looking forward to that wallet

[murphyismz]

what piece of poetry do you think represents you or feels like you

gonna post a few!

litany in which certain things are crossed out by richard siken

the boys i mean are not refuned by e e cummings

accident report in the tall, tall leaves by ada limon

valentine for ernest mann by naomi shihab nye

[taxadvance]

Is a Tax Refund Advance Right for You? Here’s What to Consider

When tax season rolls around, many people eagerly anticipate the arrival of their tax refund. For some, the promise of a refund sparks thoughts of paying down debt, tackling home improvements, or splurging on a big purchase. But what if you can’t wait for that refund? In recent years, tax refund advances have become a popular way to get your hands on your money faster.

A tax refund advance is essentially a short-term loan that allows you to receive a portion of your expected tax refund ahead of time. Instead of waiting weeks for the IRS to process your return and deliver your refund, a lender—usually a tax preparation company—will front you the money. Once the IRS issues your refund, the lender takes the amount you borrowed (plus any fees or interest, depending on the terms of the advance).

These advances are marketed as a way to access your refund quickly without having to wait for the standard IRS processing time, which can take anywhere from a few weeks to a few months.

Types of Tax Refund Advances

Not all tax refund advances are the same. Here are the most common types you might encounter:

1. Fee-Free Refund Advances

Some tax preparation companies offer **fee-free tax refund advances**, meaning you won’t pay any interest or fees on the advance. This sounds ideal, but there’s usually a catch: to qualify for a fee-free advance, you may be required to use the company’s tax preparation services, which can come with its own costs.

The amount of the advance is typically limited to a portion of your refund, often between $200 and $1,000, although some providers offer higher amounts depending on your eligibility.

2. Interest-Bearing Refund Advances

In contrast, **interest-bearing tax refund advances** function like a traditional loan. You receive the advance in exchange for paying interest over a set period. The interest rate can vary widely depending on the lender, with some charging annual percentage rates (APRs) as high as 36%.

This type of advance may offer higher amounts than a fee-free option, but you’ll need to carefully weigh whether the cost of interest is worth the benefit of getting your refund early.

3. Prepaid Debit Cards

Some tax preparation companies offer **prepaid debit cards** as a way to access your tax refund advance. The lender deposits your advance onto the card, which you can then use like a regular debit card. While convenient, it’s important to read the fine print, as these cards can come with additional fees, such as transaction fees or monthly maintenance fees, that eat into your refund.

Pros of a Tax Refund Advance

A tax refund advance can be tempting, especially if you’re strapped for cash and need immediate financial relief. Here are some benefits of opting for this type of loan:

1. Immediate Access to Funds

The most obvious advantage of a tax refund advance is that it gives you access to money right away, rather than waiting weeks or even months for the IRS to process your refund. If you need to cover an emergency expense, pay bills, or handle financial obligations that can’t wait, this quick cash injection can be a lifesaver.

2. No Credit Check

Many tax refund advances don’t require a credit check, which makes them accessible to people with poor credit scores or those who may not qualify for other types of loans. The lender bases the loan on the anticipated refund amount rather than your creditworthiness.

 3. Convenience

For those already planning to use a tax preparation service, getting a tax refund advance is a convenient option. Since the same company is handling your tax return, it’s easy to apply for the advance at the same time without going through the hassle of applying for a separate loan elsewhere.

4. Fee-Free Options

Some tax refund advances, particularly those offered by major tax preparation companies, don’t charge any interest or fees, as long as you meet their conditions. This can be a cost-effective way to get your refund early without paying extra.

Cons of a Tax Refund Advance

While a tax refund advance can provide quick cash, there are several downsides you’ll need to consider before committing to one:

1. High Fees and Interest Rates

If you don’t qualify for a fee-free advance, you may end up paying steep interest rates or fees. Some lenders charge **APR rates of up to 36%**, which can make this option quite costly. In some cases, you may find that the fees or interest reduce the amount of your refund significantly.

It’s crucial to do the math and determine whether the cost of the advance is worth it in the long run.

2. Limited Amounts

While getting some of your refund early is helpful, keep in mind that a tax refund advance only gives you access to a portion of your refund—usually between 25% and 50%. If you’re hoping to get the full amount of your refund right away, a tax refund advance may fall short of your expectations.

3. Reduced Refund Due to Fees

If you’re paying for tax preparation services in addition to the fees or interest on the advance, your final refund may be lower than expected. Some companies bundle their services into one, which can eat into your refund even further.

4. Risk of Not Receiving Your Full Refund

Tax refund advances are based on the amount you’re expected to receive from the IRS. But tax returns are subject to review, and there’s always a risk that your refund could be delayed, reduced, or even denied. In such cases, you would still owe the lender for the advance, creating a financial burden.

Alternatives to a Tax Refund Advance

Before taking out a tax refund advance, it’s a good idea to consider other options that might be a better fit for your financial situation. Here are a few alternatives:

1. Wait for Your Refund

If you’re not in dire financial straits, the best and most cost-effective option may be simply waiting for the IRS to process your refund. While this requires some patience, it also ensures that you get your full refund without paying any fees or interest.

The IRS typically issues refunds within **21 days of filing**, especially if you file electronically and choose direct deposit. Planning ahead and filing early can help minimize the wait.

2. Personal Loans

If you need money quickly and have good credit, a **personal loan** might offer better terms than a tax refund advance. Many lenders offer **lower interest rates** on personal loans, and you may be able to borrow a larger amount, depending on your needs.

3. Credit Card Advances

For those with a credit card, taking out a **credit card advance** may be another alternative. While credit card advances typically come with higher interest rates, they may still be cheaper than the fees or interest rates charged by tax refund advances.

4. Emergency Funds

If you have an emergency savings account, dipping into that fund may be a better option than taking on a tax refund advance loan. This way, you won’t have to worry about fees or paying back a lender once your refund arrives.

How to Decide if a Tax Refund Advance Is Right for You

Choosing whether or not to take a tax refund advance comes down to evaluating your unique financial situation. Here are some factors to consider:

1. Do You Need the Money Now?

If you’re facing a financial emergency—such as overdue bills, medical expenses, or urgent repairs—a tax refund advance could provide the fast cash you need to avoid further debt or damage to your credit.

However, if you don’t urgently need the money, waiting for your full refund might be the wiser financial decision.

2. Can You Afford the Fees and Interest?

Consider how much the tax refund advance will cost you in terms of fees or interest. Ask yourself if paying those costs is worth the benefit of receiving your money early.

For fee-free refund advances, the decision might be easier, but if you’re opting for an interest-bearing loan, do the math to ensure that you’re not sacrificing a large portion of your refund just for the convenience of getting it faster.

3. Do You Trust the Tax Preparation Company?

Not all tax preparation companies are created equal. It’s important to choose a company with a strong reputation for transparency and customer service. Make sure to read the fine print and ask about any hidden fees that may reduce the value of your refund advance.

4. Is There an Alternative That Works Better for You?

Before committing to a tax refund advance, explore other options. You might find that a personal loan, credit card advance, or even waiting for your refund is a better fit for your financial needs.

Final Thoughts

A tax refund advance can be a helpful solution if you need quick access to cash, but it’s important to weigh the pros and cons carefully. While the convenience of receiving your refund early is appealing, the costs associated with some refund advances can significantly reduce the amount of money you ultimately receive.

By taking the time to evaluate your financial situation, consider alternative options, and understand the terms of the advance, you’ll be better equipped to make a decision that supports your long-term financial health.