FULL FOR BEST IN JUST A FEW MINUTES. JAME THANK YOU, ALEX. YOU MAY WANT TO RUSH OUT AND SPEND IT, BUT YOUR T REFUND CAN BE A WAY TO HELP YOUR FINANCIAL SITUATION FOR THE YEAR AND GET THINGS MOVING IN THE RIGHT DIRECTION. CHIN THIS MORNING, PATRICK ITS JOINS US TALKING ABOUT POSITIVE MOVES YOU CAN MAKE WITH YOUR TAX REFUND. THANKS FOR COMING IN, PAT. PAT: THANK YOU FOR HAVING ME. CHIN WHAT CAN YOU DO WITH THE TAX WOULD TURN MONEY? PAT: IF YOU’RE WAITING TO GET IT INTO YOUR BANK ACCOUNT LET’S PUT TOGETHER A PLAN. IDEAS FOR THE PLAN ARE PAYING OFF SOME OWN YOUR BILLS. APPLY THAT TO LARGER BALANCES. IF YOUR DE IS PAID OFF, YOU CAN BUILD UP YOUR VACATION FUN OR EMERGENCY FUND. THAT WILL HELP US GET OFF THE CREDIT CARD CYCLE. A COUPLE OTHER IDEAS WOULD BE SETTING MONEY ASIDE FOR YOUR KIDS, GRANDKIDS, NIECES, NEPHEWS IN A COLLEGE SAVINGS PLAN. THAT ALSO WILL HAVE SOME TAX BENEFITS IN THE CURRENT TAX YEAR. NEXT YEAR, IF YOU CONTRIBUTED THIS YEAR, YOU WILL SEE BENEFITS. CONSIDER A ROTH IRA. ON THE ROSS I WRITE, THAT WILL ALLOW YOU TO PUT AFTER-TAX MONEY AND YOU CAN PULL IT OUT TAX FREE. IF YOU’RE NOT ELIGIBLE FOR A RO IRA, ONE STRATEGY IS A NONDEDUCTIBLE IRA, CONVERTING TO A ROTH. YOU WANT TO TALK WITH THE TAX PROFESSIONALS. JAMES: A LOT OF GOOD IDEAS. ANYTHING YOU ARE SHOULD AVOID DOING? PAT: I WOULD SUGGEST NOT TAKING THE LARG REFUND AND PUTTING IT ONTO A LARGE PURCHASE THAT WILL INCUR ADDITIONAL PAYMENTS MONTHLY HE IN — MONTHLY. IF YOU WANT THE INCOME MORE STEA THROUGHOUT YEAR, ADJUSTER WITH HOLDINGS. SIT DOWN WITH A TAX PROFESSIONAL AND ADJUST DON’T ADJUST THEM TOO MUCH, BECAUSE WE DON’T WANT T GIVE UNCLE SAM A BIG CHECK. JAMES: IT FEELS GOOD TO BUY NEW THINGS, BUT IT ALSO FEELS GOOD