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Good news and bad news from the IRS this July.The good: the agency reopened for business as of July 13th, which means it is now taking phone calls and processing tax filings as quickly as possible.The bad: during a year when every dime counts, the agency says as many as 4.7 million tax refunds will be delayed another few months.Cristy Mack is one of them. She and her husband never wait to file their taxes because she depends on her refund.But like almost five million other people, they still file paper returns because they are most comfortable doing that."We mailed our paper forms at the end of February," she said.But five months later, Mack still doesn't have her refund."A total of 18 weeks have gone by since we mailed in our return," Mack said.She tried calling the IRS, she says, but like countless other taxpayers, ran into a brick wall."They say they aren't taking calls at the moment," she said.Why refunds are taking so long this yearThe IRS's national taxpayer advocate now says as 4.7 million people who filed paper returns will have very late refunds.That's because the agency furloughed thousands of workers this spring and stopped processing paper returns for two months, creating a huge backlog.Paper processing has restarted, but workers are far behind.Mack needs her tax refund badly."It means a lot to us," she said. "Especially with everything going on, and my husband's job has been really slow, and we are making less.We passed Mack's information on to the IRS, though it may not make a difference if her return is buried in a stack of thousands."When you rely on that as part of your income and it's not there, it does make things a little sketchy sometimes," she said.And with the IRS extending the tax deadline to July 15 this year, even more paper returns are about to be added to the stack.If you are still waiting for your refund, all you can do is log on the IRS website, go to the "Where's my Refund" section, and cross your fingers.As always, don't waste your money.Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com. 2296

HEY TIM HEY @realDonaldTrump SO HAPPY IM GLAD TO BE LIVING RENT FREE in your HEAD. #BidenHarris https://t.co/k2ODfQNkF3 pic.twitter.com/Iy3Nj8aYMR— Lady Gaga (@ladygaga) November 1, 2020 194

Hi, Some clients may currently see an inaccurate account balance when viewing their account summary in online banking/mobile. Clients should click the individual account view for their correct balance. Client accounts have not been impacted. ^joseph— Bank of America Help (@BofA_Help) August 5, 2020 307

Here’s just a few of the #BlackVoicesForTrump at tonight’s rally! Having a fantastic time!#TulsaRally2020 #Trumptulsa #TulsaTrumprally #MAGA #Trump2020 #Trump2020Landslide pic.twitter.com/27mUzkg7kL— Herman Cain (@THEHermanCain) June 20, 2020 251

Home Depot and Lowe's are lending a helping hand to the next generation of construction workers. Right now there are about 158,000 unfilled construction jobs in the U.S and both home improvement stores plan on training thousands of people for free.Home Depot announced it is committing million to skilled trades training to those who need it the most. It is bringing shop class back for the next ten years. The trade skills are for jobs like plumbers, electricians and carpenters just to name a few.The training program at Home Depot will be offered to veterans and underserved high schoolers nationwide, and you don't have to work for Home Depot.As for Lowe's, its training program is called “Track to the Trades” and it’s for current employees.The program will offer employees financial assistance to pursue certifications for trade skills and receive additional academic coaching. Plus, it will help people get full-time positions at Lowe’s if they want to stick around.If you’re looking for a part-time job right now, Lowe's and Home Depot are currently hiring more than 130,000 people this spring. 1124