I'd have to see what they're charging on the RAL. We don't need the money right away, but we did need it last year, and went with the RAL...what a rip-off.
I also need to adjust my withholding rate with my current agency. I currently claim a 1, but I think I will adjust it to a 2. Given the amount of money I'm getting back this year, I'd rather have that money right now, instead of getting a check every March or April. And I can get some interest on that money if I get it now. Slang mentioned this before, I think...and it sounds like a good idea.
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