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  105 votes.

More than 90 million Americans are expecting to receive a tax rebate check in amounts of $300 to $600.  What do you plan to do with your tax refund?
Wal-Mart hopes you'll spend it on merchandise at a Wal-Mart or Sam's Club by offering to cash your check at no cost.

This move creates consumption, but Matatan doesn't want you to spend it in
a store.  The government is playing the tooth fairy and Matatan suggests that we use the money to pay off a debt.

Or, consider opening up a low-cost Roth IRA for a savings account for retirement.  Visit http://www.Tiaa-Cref.org for more information.
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Postcards that appear to be mailed from a government agency asks for a
$12.95 fee to ensure proper delivery of your tax refund check.  The
information card, with wording such as Tax Preparer Refund - refers to
tax form 16D and a resource center located in Boca Raton, Florida.