>>NECESSITIES OF LIFE — FOOD, CLOTHES, RENT, UTILITIES, BASICS. BRIAN: LISA GARZA HAS SERIOUS CONCERNS FOR CASH-STRAPPED FAMILIES WHO DEPEND ON CHILD, EDUCATION AND EARNED-INCOME TAX CREDITS.>>IT FACTORS INTO THEIR MONTHLY INCOME A LOT OF THEM. BRIAN: SOME RETURNS ARE AS LARGE AS $9000 AND COULD BE DELAYED NEARLY A MONTH.>>THE DELAY COULD BE UNTIL FEBRUARY 27. BRIAN: THE IRS SAYS IT NEEDS THE EXTRA TIME TO COMBAT BILLIONS IN FRAUDULENT CLAIMS FILED EACH YEAR.>>IDENTITY THEFT AND FRAUD IS ONE OF THE BIGGEST PROBLEMS WE HAVE EVERYWHERE IN THE COUNTR, BUT CERTAINLY WITH THE INTERNAL REVENUE SERVICE. BRIAN: STILL, EXPERTS SAY DO NOT WAIT TO FILE OR YOUR RETURN WILL GET BACKLOGGED EVEN MORE.>>DON’T WAIT. EVEN THOUGH YOU KNOW YOUR REFUND IS GOING TO BE DELAYED, GO AHEAD