Welcome to the Jill on Money Coronavirus Market update. It is Sunday morning.

It's Mother's Day. So happy Mother's Day to all of you, especially to my mother, who will never listen to this. But happy Mother's Day anyway.

Yes, it is May, take a deep breath. Hopefully it's decent weather where you are. It's the Arctic

tundra where I am and where Mark is. If you've got a financial question, we'd love to

hear from you. Send us an email. Ask Jill at Jill on Money.

Let's get into it. I like to get into it quickly on the weekends.

This is from Michael who writes,

it's my understanding that the stimulus check is actually an advance on your tax return, not free money.

If this is true, and I owe Uncle Sam money at the end of the year, will I have to pay the stimulus money back. And if all of this is true, then why isn't everybody talking

about it? Thanks for your guidance. It's sort of kind of true but not.

So it's not really in advance on your tax return.

It's called a tax credit.

It's a refundable tax credit.

The only way that the money is going to have to be returned or clawed back is if you've made too much

money in 2020 when you file those returns.

So it's not exactly what you say. I think for the vast majority of people, they're fine. Okay? So relax, take a deep breath. If you make too much money, in other words, if you go over that threshold of 150 grand, maybe there'll have to be a

truing up, but otherwise I think you're just fine. Okay? Here's the next one. This is from Kate, who said she purchased a mask on the

internet, $39 with four filters. A month later I received mask by regular mail.

My bank statement showed recurring payment for

international shipping monthly and $39 recurring monthly charge. None of these

charges were approved by me. I looked for the site on the internet. It was

immediately taken down. I researched their name. It said it was non-existent. The

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