January 2010 is upon us and as such there's nothing better than to cure the holiday debt with an little help from Uncle Sam. The sooner the better. Around mid January, the IRS is ready to accept electronically filed returns into their system for processing. For those whose returns are accepted, it can mean a refund in as little as 7 to 10 days. However, before you commit to a Rapid Refund Loan (RAL) through your preparer for a…
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