- Three-fourths of the people hired by the Agriculture Department to represent American farmers in foreign countries can't speak the native tongue. Fortunately, the dollar is a universal language.

- The IRS says its telephone assisters are giving out more incorrect information this year. However, your penalty can be waived if you prove an agency worker steered you wrong. I recommend choosing the lesser of two evils. Record any conversation, so you'll only have to face illegal recording charges from the FCC.