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IRS tax time again. Get income tax filing access with e-filing. You can get convenient online tax return preparation and rapid refund. Easy online electronic tax return filing and fast refund with e-file.
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Looking for an advance tax refund loan? If you are due a tax refund and need cash because you can't wait for your refund to be processed, carefully consider your options and costs. There are "refund anticipation loans" (RALs) arranged by tax preparers for people who file returns electronically. These loans enable you to get cash in just a day or two and pay the money back when your tax refund arrives. RALs offer quick and convenient access to cash and the fees may seem small, but the costs are high; in terms of interest rate, when compared to other loans.
A typical RAL has a lender fees of about $35 to $100 (depending on the size of the loan). When equated to a traditional loan, the Annual Percentage Rates (APRs) is about 60 to 650 percent higher than typical loans. Although the lender charges a "fee", not an "interest rate", the federal Truth in Lending Act and the Federal Reserve Board's Regulation Z require lenders to disclose information about loan costs if certain criteria are met.
If you have an emergency need for cash and simply cannot wait for your tax refund to arrive and you have no other loan options, then a refund anticipation loan is an alternative option. Generally, if you file electronically, your tax refund will arrive within three weeks, and possibly as short as two weeks if you opt to have the refund deposited directly into your bank account.
If you desperately need a tax refund loan, first consider other lower cost options. Perhaps you have equity in a home or auto which you could refinance. Of course, these types of loans may not get approved as fast as a refund loan.
If you consistently receive a tax refund each year, you may want to modify your W-4 form from your employer increasing the number of your "personal allowances." This adjustment will reduce the tax money withheld each pay period and increase your take-home pay. On the other hand, if you owed a lot of money on last year's taxes, consider decreasing your take-home pay. Consider ways to reduce or eliminate a tax refund in the future. Don't continually pay high taxes just so you can get a large refund each year. Remember, the IRS does not pay you interest on that money. It would be better to invest that money into a savings account and earn interest.
Or simply file online electronically and have your tax refund deposited directly into your bank account for the fastest refund.
Make the most out of your tax refund and avoid advance loans. Then you'll have a bigger refund for making a down payment on a new card, a home, etc. Also consider paying off your existing loans and credit card bills, starting with the ones that charge the highest interest rates on unpaid balances. Start or add to an existing savings account. Fund a retirement account or college savings plan.
Owe Taxes?
Read our latest tax news, and search for other articles related to the IRS and tax filing. Grants for Organizations and Individuals
A federal grant is financial assistance from a federal agency and the grant recipient must carry out a public purpose authorized by a law of the United States. Federal grants are not federal assistance or loans to individuals and may not used to get property or services for the federal government's direct benefit. There are 26 Federal Agencies that offer over 1,000 grant programs in different categories.
Here are the 26 agencies that provide grants: The Department of Health and Human Services, Agency for International Development, Corporation for National and Community Service, Department of Agriculture, Department of Commerce, Department of Defense, Department of Education, Department of Energy, Department of Health and Human Services, Department of Homeland Security, Department of Housing and Urban Development, Department of the Interior, Department of Justice, Department of Labor, Department of State, Department of Transportation, Department of the Treasury, Department of Veterans Affairs, Environmental Protection Agency, Institute of Museum and Library Services, National Aeronautics and Space Administration, National Archives and Records Administration, National Endowment for the Arts, National Endowment for the Humanities, National Science Foundation, Small Business Administration, and the Social Security Administration.
There are infomercials and websites that advertise free money, however few are available to individuals and there are none available that provides personal financial assistance. You can find out if you are eligible to apply for grants on Grants.gov website and you can watch a tutorial. If you register as an Individual, you will only be able to apply to grant opportunities that are open to individuals. An individual cannot submit a grant application to a grant opportunity that is just open to organizations.
Some examples of Organizations are: Government, State, Local, City, Township, Special District, Native American Tribal Governments, Education, Public Housing, and Non-Profit Organizations.
Small business loans and small business grants may be awarded to companies that meet the size standards that the U.S. Small Business Administration (SBA) has established for most industries in the economy. The most common size standards are as follows:
* 500 employees for most manufacturing and mining industries
* 100 employees for all wholesale trade industries
* $6 million for most retail and service industries
* $28.5 million for most general & heavy construction industries
* $12 million for all special trade contractors
* $0.75 million for most agricultural industries
About one-fourth of industries have a size standard that is different from the levels above and they vary from $0.75 million to $28.5 million for size standards. This is based on average annual revenues and from 100 to 1500 employees for size standards based on number of employees. With some exceptions, all federal agencies, and many state and local governments, use the size standards established by SBA.
Visit the website: govbenefits.gov to get all the FAQs about grants and grant information for organizations and individuals. |
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