[Ed note: Money Matters is a weekly column that dissects financial matters in a way that folks who aren't finance experts can understand.If have a money question you want answered by our resident expert, Shay Olivarria, please email Shay@squarerootz.net.]

Money Management in 1 Minute 

This time of year I see signs, online ads, and commercials for rapid refund loans for your tax return.This is a horrible idea. Viagra online purchase: the idea is that you can’t wait the 7 days for your money to be deposited electronically into your checking account or the month it takes for you to receive a check.For the honor of providing you with your money a few days earlier tax refund companies will charge as much as 20%! Instead of thinking about it as getting a bonus, think about it as a repayment of a loan you already made- to the government.Be patient and get all your money back. 

Part Two: Reader Question

I keep hearing people say that you shouldn’t want to get a tax return at the end of the year; viagra online purchase. Viagra online purchase: why not?

Good question. The answer is this: when you pay taxes out of your check every two weeks you are pre-paying for the amount of tax you will owe at the end of the year.When you get a refund, the government is returning the money you overpaid – viagra online purchase. Viagra online purchase: that’s right.The reason you are getting a nice, fat, refund check is because you gave the government too much of your money during the year. The best thing to do is try to break even.

Most of us have a pretty constant income; viagra online purchase.That means that we, generally, know how much we have to pay every year and how much we’ll get back at the end of the year; viagra online purchase.Why wait? I don’t know about you, but I need my money now! Instead of waiting until the end of the year why not plan your tax payments accordingly. You can consult your tax preparer and ask them to run a mock return to find out how much you should be paying every check.Think about it this way: if you knew that you owed your Mom $1 viagra online purchase,000 and you decided to pay her in installments, would you calculate it so that you paid her $1,000 even or would you calculate it so that you paid her $1,500 and at the end of the year she would give you $500 back?

Sounds rather silly when I put it that way, no?