Americans from Utah to Massachusetts have realized the benefits of switching to a flat rate of tax as applied to their income.

FORBES: Death Is Much Less Complicated Than The U.S. Tax Code

They acknowledge puzzlement at the low rate of switching.

FORBES: Frack Gas Not Likely To Displace King Coal, Study Suggests

It is therefore worth reviewing the mortgage as a whole to see if switching to a better rate with a different lender could tackle the shortfall issue and reduce the amount you pay each month.

BBC: NEWS | Programmes | Big Spender | Falling short

It would also reduce interest costs on their alternative--switching to a fixed-rate mortgage--provided they can still go that route.

FORBES: Magazine Article

Switching gears, the loan market default rate inched down to 1.4% in February and remains well inside the historical average of 3.3%.

FORBES: March Analysis, US Leveraged Loan Market

Martin Lewis, of the consumer website MoneySavingExpert.com, said many people could save money by switching to one of the fixed-rate deals currently on offer.

BBC: SSE to raise gas and electricity prices

Switching gears, the loan market default rate inched up to 1.4% in January from 1.3% at yearend, though remains well inside the historical average of 3.3%.

FORBES: February Analysis - US Leveraged Loan Market

Health insurers and pharmacy-benefit makers are already seizing on the money-saving opportunity that switching patients from Lipitor to a cut-rate Zocor would provide.

FORBES: Has Lipitor Reached Its Limit?

By keeping the federal funds rate close to zero for three more years, and switching from shorter to longer-term securities, the Fed hopes to spur investment and growth.

FORBES: The Federal Reserve's Crony Capitalism