Effective annual percentage rate for a refund anticipation loan.

If your property tax bill is due in early 2007, you might want to pay it now and take the deduction. And you won't have to pay a check-cashing fee, either. Effective annual percentage rate for a refund anticipation loan. And there remains a lot of confusion about the loans. Here's twelve simple things you can do before the end of the year to keep your income taxes as low as possible. For instance, 70 percent of borrowers didn't understand they were taking out a loan, the survey found. The standard amounts are based on the number of personal exemptions you claim on your tax return. If previous tax years are any indication, about 10 percent of taxpayers this year will do just that. But direct deposit is a good excuse to open a bank account, which you can use year-round.

And major tax preparers are also making changes to their loan products. And if they already spent the loan, they might not have the cash. The day's top stories e-mailed to you each weekday. Some banks might charge a fee to set one up, but it likely will be less than loan charges, Fox said.