| Advisory: Many people 
				want their refund quickly. However, Assemblyman 
				Dinowitz is urging consumers not to turn to refund 
				anticipation loans (RALs) to receive all or part of 
				their refund a few weeks earlier than expected. RALs 
				are not tax refunds - they are short-term loans 
				against the taxpayers’ anticipated refunds 
				and many tax services charge exorbitant interest 
				rates for them. Tax preparation companies that 
				promote these loans often prey on the poor and 
				convince consumers to borrow against their own 
				money.  
				If you file electronically, you can receive your 
				refund quickly and not pay interest rates or other fees. For 
				information, visit the Internal Revenue Service site at 
				www.irs.gov or the State Department of Taxation and Finance 
				at 
				www.tax.state.ny.us |