(MONEY Magazine) – COVER STORY 44 THE 10 BEST FUNDS TODAY by Jerry Edgerton Only a handful of fund managers possess the proven ability to stay at the head of the pack time after time. Here they are.

47 SPECIAL PULLOUT: MONEY'S MIDYEAR RANKING -- Our most complete midyear mutual fund results ever. Page 50 -- The top performers in six categories. Page 54 -- The latest results for all 3,045 stock and bond funds. Page 58

FEATURES 122 PSYCHED TO GET MARRIED by Elizabeth Fenner ^ Call this successful 33-year-old investment banker. Wifeless in Seattle, he's spending 15% of his after-tax income looking for Ms. Right.

132 HOW THE IRS TARGETS YOU by Elizabeth MacDonald A five-month MONEY investigation reveals that your odds of getting audited and otherwise treated harshly by the Internal Revenue Service depend largely on where you live. Such disparate treatment not only violates IRS policy, it's also unfair -- and it's rampant nationwide.

-- Table: MONEY ranks all 63 IRS offices, from the toughest (in Las Vegas) to the gentlest of them all (in Milwaukee). Page 135 -- Box: How to survive an ornery tax audit. Page 139

DEPARTMENTS 5 EDITOR'S NOTES The tax revolt that turned out to be revolting 7 YOUR LETTERS Now that you feel safe, you want to be richer too. 12 NEWSLINE Exclusive poll: What people would do for money -- How you can learn from the estate-planning moves of Jackie O -- Smart negotiating tactics 19 BUY, SELL OR HOLD Scoring in cable stocks after the CBS-QVC deal 23 IDEA OF THE MONTH The Dolans on choosing a stockbroker you can trust 26 MONEY MONITOR What you need to know about derivatives -- Why the jazzy new CDs miss a beat -- Rating the new airline rebate cards 34 WALL STREET Profiting from America's most innovative companies -- Cities with the best stocks -- Finding riches in business niches 141 MONEY HELPS Buying a car abroad for less -- Saving on a budget 144 SMART SPENDING The auto club that tops AAA -- Sensible ways to renovate your house -- Point-and-shoot plus -- Wise up about sports drinks. 151 MONEY PRO These four stocks could gain 70% in 18 months. 154 FORECAST Prospects are golden for the U.S. -- and the Golden State too.

Cover photographs by John Chiasson; pullout cover by Mark Weiss

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