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Correction to This Article
The Color of Money column in the Jan. 11 Business section incorrectly described accounts that would take tax refunds as direct deposits. Generally, refunds cannot be deposited directly into a 401(k) account, though an Internal Revenue Service official said there may be some atypical 401(k) plans that accept refunds as direct deposits.

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Your Tax Return, With Some Change

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"This might reduce a lot of arguments," Bergstein said.

See, Hooker was right. Some change is for the better, even if it's inconvenient.

· On the air: Michelle Singletary discusses personal finance Tuesdays on NPR's "Day to Day" program and online athttp://www.npr.org.

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