(MONEY Magazine) – -- Buy intermediate-term bonds and bond funds for top total return (yield plus price appreciation). Though intermediate Treasuries (maturities of five years) are yielding only about 7%, vs. nearly 8% for long-term Treasuries (20 years and up), they have outperformed the long bonds in 30 out of 37 different five- year periods since 1950. Page 112 -- Seek value in regional company stocks that could return 11% or more a year through 1996. Among the best: diversified manufacturer Mark IV Industries of Amherst, N.Y. (NYSE, recently $17.25); computer maker AST Research of Irvine, Calif. (OTC, $29); and restaurant chain Ryan's Family Steak Houses of Greer, S.C. (OTC, $9.50). Page 79 -- Save on interest costs if you plan to keep your home-equity credit line longer than four years by borrowing at prime rate -- recently 8% -- from Prudential (800-426-4331) or Shearson Lehman (800-338-3060). Though up-front fees are hefty -- 2% of a minimum line of $25,000 at Prudential, 1.88% to 2.5% of a minimum $35,000 at Shearson -- you'll come out ahead in the end. Page 39Shop now for the holidays with museum store catalogues from the Metropolitan Museum of Art in New York City (800-468-7836), the Smithsonian Institution in Washington, D.C. (703-455-1700), Chicago's Art Institute (800-621-9337) or the L.A. County Museum of Art (213-857-6505). Page 124