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(New York Times) — Savers just can’t catch a break.  Because of persistent low interest rates, anyone looking for decent returns that are also safe has had a tough time this year. Most of the best savings accounts, for instance, don’t even top a 1.5 percent annual yield. Sure, some people have made out nicely in this environment. If you have a hefty mortgage, are able to make your payments and have enough equity, you can refinance into a 30-year loan with an interest rate that begins with the number four.

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