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abusers American American Express annual assessment asset AT&T average bank benefit call collect Call or write Call toll-free capital gains cash Center child Citibank complete information condo cost coupon CRUISE LINES deductible dividends drug earnings employees Fidelity free prospectus Fund's Ginnie Maes Growth Portfolio guarantee including management fees initial public offering interest rates invest or send Investment Club investors issue kefir loan look ment money market monthly Municipal Bonds mutual funds NAIC net asset value no-load NONE/NONE offer P.O. Box payment penny stock premium Rare Coin Read it carefully redemption fee reinvestment retirement sales charge says Scudder securities sell send money share price ships stocks Sun Life Financial tax rates tax reform tax-free taxable tion toll free total return treatment U.S. Governments Value Line yield