Personal finance tips: Dealing with delayed tax refunds, and more

Three top pieces of financial advice — from taking advantage of falling mortgage rates to indulging in high-tech therapy

IRS
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Tax refunds could be delayed

If you're expecting a tax refund next year, you may have to wait, said Laura Saunders at The Wall Street Journal. Internal Revenue Service Commissioner John Koskinen suggested last week that next year's tax season could be the most complicated ever for the IRS, thanks to dozens of expired tax provisions that Congress has yet to act upon. In years past, "late action by Congress on such provisions created problems" and sometimes delays. Among the expired provisions are "a deduction for state and local sales taxes; a tax exemption for the forgiveness of mortgage debt; a tuition deduction; [and] an enhanced break for transit commuters." New laws that took effect this year, including the Affordable Care Act, are also expected to make the IRS's job harder. Congress is not expected to address the expired provisions until after the midterms.

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Therapy goes high tech

A new startup is taking talk therapy to the Web, said Ann Carrns at The New York Times. Instead of "buying a self-help book and paying $100 or more for an hour of in-person therapy," a slew of new sites and mobile apps is offering "online therapy" to help clients get help. One new service, Lantern, charges users $49 a month or $300 a year to connect clients with licensed therapists, "initially by telephone and then via secure electronic messaging." For now, Lantern is aimed at helping subscribers with anxiety, but "programs for other concerns like sleeping and relationship problems are expected to be added later."

Sergio Hernandez is business editor of The Week's print edition. He has previously worked for The DailyProPublica, the Village Voice, and Gawker.