October 2011 Newsletter

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Layaway shopping is making a comeback!

Layaway lets you pay over time with cash instead of credit. Tell us what you think about layaway shopping.

Banks and credit card companies are charging more, and giving away less.

Tell us how you prefer to pay your bills, and where you put anything that’s left for a rainy day.

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Tax Talk, News and Insights

Learn new coupon tricks; watch grocery savings grow

With food prices going up and paychecks going down, who doesn’t need to save at the grocery checkout counter? Even if you clip coupons already, there’s still a trick or two you can learn to save more money! The Oregonian, Portland, Ore. (09/23/2011)

Life’s not as complicated as you think

Once upon a time, buying life insurance was about as much fun as doing your taxes. Since ezTaxReturn.com started making doing taxes fun; buying life insurance wins the booby prize! Here are some tips to ease the pain. PR Newswire (09/22/2011)

Difficulty in refinancing diminishes appeal of low rates

Sharply lower appraisals and tight-fisted lending takes the shine off refinancing. But fixed mortgage interest rates are so low, it pays to work a little harder to refinance or purchase a home. McClatchy-Tribune News (09/22/2011)

15 vs. 30 year mortgage: which adds up?

If you’ve already made the decision to buy or refinance a home, consider a 15-year fixed rate mortgage very carefully. With historically low rates, you may be able to get a 15-year mortgage for nearly the same monthly cost as what you’d expect to pay for a 30-year mortgage. Contra Costa Times, Walnut Creek, Calif. (09/22/2011)

Avoid default on student loans

The number of defaults on federal student loans is growing dramatically. Many of these defaults are unnecessary because of a little known leniency program for financial hardship from the federal government. If you have a student loan, you need to read this. The Baltimore Sun, Maryland (09/20/2011)

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