If you have gathered all of your tax information and are ready to file, the temptation may be to take out a tax refund anticipation loan. The Better Business Bureau advises you to be wary of the loans because of the costly nature of the process. They deliver refunds only slightly faster than the IRS, according to Bill Smith, BBB Investigator.

He also says there are various schemes that pop up at this time of year. Smith says always be wary of promises.

Smith comments

He says you should also check accessibility. Many preparers are only open during tax season and may not be available if a problem arises later in the year.

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