that has nothing to do with this conversation. we could go on and on with all these mixes of dogs. call in with your favorite mutt mix. tell me what s working for you. really? we had a shelty growing up. i liked that dog. shelter collie mix. of what? a german shepherd collie mix. how do i digress? we were talking dogs doing the shot of the morning. it s a talk show! we got to get to taxes and we have to get to stu varney. no, we don t. we have 2 1/2 hours. tell me more about the dog. oh, my gosh! i got nothing. if you forgot, you better get busy because today is april 17th. it s tax day and you have a few hours to file your return before midnight. and of course, everyone has questions about their returns so we brought in our own personal finance expert, vera gibbons is here all morning answering your e-mails. all right, vera, let s start with the number one question what is the one biggest tip that you can give to people today?