(MONEY Magazine) – COVER STORY 74 HOW TO EARN 15% ON YOUR INVESTMENTS by Beth Kobliner We've tracked down a promising dozen stocks and mutual funds that figure to reach that enviable goal over the next 12 months. features

84 MONEY AUDITS THE CLINTONS' TAXES by Teresa Tritch and Mary L. Sprouse Our careful review shows the First Couple may have underpaid their federal income tax. Here's what you can learn from their mistakes.

102 WHERE TO PUT YOUR SAVINGS NOW by Jerry Edgerton Check out these 10 limited-risk, high-yield alternatives.

110 GRAB THE BEST HOUSING DEALS IN 20 YEARS by Carla A. Fried Whether you are a buyer, a seller or a remodeling owner, here's how you can cash in on the healthiest housing market since the '70s.

-- Table: Our exclusive city-by-city house-price forecast. Page 114

122 HOW PROS INVEST FOR THEIR KIDS by Clint Willis Nine investing experts reveal the stocks, bonds and mutual funds they are buying for their own children, from ages one to 25.

134 % A REAL-LIFE PHILADELPHIA CASE by Elizabeth Fenner Like the hit movie's Tom Hanks character, this 30-year-old man says his employer took away his job because he has AIDS, and he's suing.

146 THOSE DOGGONE VET-CARE COSTS by Marguerite T. Smith From CAT scans for kitties to braces for Bowser, almost every procedure for humans can now be ordered for your pet. But nothing's cheap in the new world of veterinary medicine.

DEPARTMENTS EDITOR'S NOTES The secret to investing success. Page 7 YOUR LETTERS You complain about the woman who complains for money. Page 9 MONEY NEWSLINE A MONEY poll: Your chance to sound off on health reform -- Busting the IRS label code -- Leaving your life insurance to charity. Page 14 BUY, SELL OR HOLD How to make a buck on the Paramount merger. Page 25 MONEY HELPS Disputing an inflated hospital bill -- Appraising stamps. Page 29 IDEA OF THE MONTH The Dolans on which records to keep -- and toss. Page 33 MONEY MONITOR Exclusive: Merchants don't check credit cards even when people sign "Daffy Duck." -- Remodeling loans -- Buying T-bills direct. Page 36 FUND WATCH Five safe funds for a stock market on the brink. Page 48 WALL STREET Best foreign stocks -- Invest now in Christmas toy sales. Page 62 SMART SPENDING How to fire your babysitter -- Beef is juicy again. Page 160 MONEY PRO John Neff names six stocks that can gain up to 39%. Page 167 FORECAST Beat the bond bust. Page 174

Cover photograph by Ken Shung

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