Dive Log Book
The Trouble at Twin Wrecks
TORTOLA, British Virgin Islands — Bob Brousseau: It's a majestic world. It's just awe-inspiring.
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I lost my Padi Log Book, can dive centers access my number of dives? I'm working to divemaster...?
No. That's a reason why you keep that log book. They don't put surveillance on you to see when you dive or how often, so they'll have no idea. All they'll know is your certs, when you got them and who certified you.
If you're doing your DM with the same shop you did your advanced, they'll have a handle on the number of dives you've done and the types of dives. They're probably the ones that filled your tanks. Quite a few shops won't ask that you produce that book if they know you. If it's a new place you're doing it with, they may ask for a skills assessment.
Did you use any of the online log books to back up your data, by any chance?
Imagine opening an extravagantly wrapped birthday present - diving through layers of wrapping paper, boxes, and packaging foam - only to get to the bottom of it and see a note: "IOU: one present. Wait a few months. It'll get there."
That is the feeling that millions of taxpayers get when they calculate their tax refund, whether it's for a normal filing or a late one. The IRS is always willing to knock on your door (or call up the credit bureau) if you owe them money, but they're not so friendly when they owe you. The solution? An RAL (refund anticipation loan).
How does the RAL tax loan work?
It's simple. When you find out how much the IRS owes you, the RAL loan provider can give you the money upfront, and let you start spending in as little as one business day. Imagine being able to pay off bills - pay down credit card debt - even treat yourself to a vacation - all the day after the IRS gets your information. With an RAL income taxes loan, it's easy. All you have to do is tell your tax preparer that you'd like the loan (not all of them offer it, but more and more do).
With an RAL tax loan, will I owe money to the bank?
You will owe money, but the IRS will pay it off! When you get your RAL tax loan, the fees will be deducted upfront, and then the loan will be paid through your refund. Once you have the money, you can forget about the rest. The company that handles your RAL tax loan will take it from there.
Is an RAL tax loan the best option for me?
Not necessarily. An RAL loan is perfect for someone who wants to make sure they get their tax refund fast. But for someone who can wait a while, it is possible to save some fees. One company that can provide an RAL tax loan also lets you pay your fee from your refund. For some taxpayers, an RAL tax loan is a great plan - for example, a taxpayer might save their fee five times over by paying off a late credit card bill.
An RAL tax loan is the way to let you spend your money when you want to. Getting your money in your hands instead of waiting for the IRS to get their act together is always a great feeling - why be disappointed with how long the IRS takes to mail you a check, when you could be enjoying your refund instead?
Byrne Hobart is a New Yorker with widely, perhaps even bizarrely varied interests. As a personal finance expert, he knows that an RAL tax loan is a good way to get money upfront for a refund check that could take weeks or months to arrive.
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