(MONEY Magazine) – COVER STORY 72 BUY STOCKS NOW! by Michael Sivy We are headed for a stock-buying opportunity of a lifetime that will power the Dow to one record after another. -- Table: 12 stocks and 12 funds to buy now. Page 79

FEATURES 80 WE NAME THE NEXT GREAT FUNDS by Carla A. Fried MONEY uncovers five promising portfolios poised to match the performance of legendary mutual funds. -- Table: Five funds for the future. Page 84

90 GENERATION X STRIKES BACK by Elizabeth Fenner Four college grads tell how their careers got off to solid starts.

108 HOW BROKERS MISTREAT WOMEN by Penelope Wang Our second annual survey finds brokers still favor men.

114 CRIME: WHO'S SAFE, WHO'S NOT by Walter L. Updegrave The surprise: Those who fear crime the most are the safest. -- Chart: The 15 safest and 15 most dangerous cities. Page 119 -- Box: Three smart ways to protect yourself. Page 126

129 VOICES FROM THE MEAN STREETS by Denise M. Topolnicki Children are the most common victims, as their stories show.

DEPARTMENTS 7 EDITOR'S NOTES What to buy, when to sell 11 YOUR LETTERS Elvis lives and other tales of lax credit-card scrutiny. 14 MONEY NEWSLINE A 50-state guide to speed traps and fines -- Your thoughts about health-care reform -- When Social Security will get cut. 27 BUY, SELL OR HOLD Where you can lock up around 7% on your cash. 33 IDEA OF THE MONTH The Dolans on how to insure your paycheck. 34 MONEY MONITOR The best ways to cash in on today's higher interest rates. 50 FUND WATCH Five sure-footed income funds -- Michael Price reopens Mutual Shares and Mutual Qualified. -- Riding the real estate revival

60 WALL STREET Profit-rich Bells -- Mid-size stocks that could gain 30% 134 SMART SPENDING Fifteen great anniversary gift ideas -- Water gardens 143 MONEY HELPS Getting credit despite a bad record -- Selling silver coins 147 MONEY PRO Five stocks that could gain as much as 200% in two years 154 + FORECAST Stocks will come bouncing back this year.

Cover photograph by Pedro Coll/Stock Market

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