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Acuff annual assets auction banks BEAR MARKET Bond Fund bought BRISTOL-MYERS SQUIBB brokers budget buyers cash charges and expenses complete information consumer costs CRUISE LINE deductible dividends dollar dollar-cost averaging Dreyfus earnings editor equipment federal Fidelity financial aid fund's growth Growth Stock guarantee HMOs income interest rates invest or send investors IPOs KRISTIN DAVIS loans long-term Maloneys Martin Zweig medicare medigap ment Merrill Lynch money market monthly months mutual fund Name Address newsletter no-load offer P.O. Box P/E ratio PAX WORLD FUND PepsiCo portfolio prospectus read it carefully real estate RESEARCH retirement RICOH Rowe Price savings says Schwab Scudder securities sell send money ship Standard & Poor's there's tion toll-free total return U.S. Government Value Line