Unemployment Unemployed workers don't have to pay taxes on the first $2,400 in jobless benefits they collect, but they must pay taxes on additional funds. Refunds To promote savings and bolster retirement funds, the government has made it easier to buy saving bonds with tax refunds. For the first time, the IRS will facilitate the purchase of up to $5,000 in interest-bearing Treasury I bonds. To take advantage, use Form 8888, fill in "043736881" as the routing number, check the "savings" box and write "BONDS" in the space for an account number. Bonds are available in $50 increments and an account must be listed for the deposit of the remaining refund. -- Reported by Joe Mont in Boston.