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accredited college annual annuity areas artist Atlanta auto average bank beginning 6 months blade bonds bulbs canoe cash centerboard chef's knife cities cleaning clothing color contribute cost cutting day sailer Detroit dinghies dividend Editors employes example fiber glass model Freshmen are eligible Freshmen not eligible galleries garden grams grease jobs income policies interest Internal Revenue Service investment keep Kiplinger knife knives loan manufacturers maximum State resident miles months after graduation Museum mutual fund N.Y. Ask oil changes one-design original Peanut pension plant recreation reproductions resident attending full sail sailboat salary salesmen sell spend stamp collecting Standard & Poor's tax bracket tax deduction teen-age things tion USA Funds usually UTILITY KNIFE Washington York

