(MONEY Magazine) – COVER STORY 72 WE RATE THE 25 BIGGEST FUNDS by Carla Fried, Prashanta Misra and Susan Scherreik Buy Magellan. Sell the Dean Witter U.S. Gov. fund. And 23 other informed investment calls.

FEATURES 92 TAX MOVES FOR YOUR LIFE by Mary L. Sprouse Twenty-eight specific strategies to slash your tax bill, whether you are starting out, raising a family or retired.

156 | THE LAST BABY BOOMER by Elizabeth Fenner Tod Perkins, symbol of a generation, now has a family, a mortgage, and some old-fashioned financial concerns.

170 GEMS IN YOUR BACKYARD by Shelly Branch How to spot great investment opportunities in your area. Plus: The most promising stock in your region.

182 YOUR COMPANY BENEFITS by Lesley Alderman Steps to help you get the most from your company plan. Table: We rank the 10 big companies with the best benefits.

198 WHAT TO ASK YOUR BROKER by Ruth Simon Including: Are there any special fees? What are you getting to push this product? Plus: How to deal with discounters.

210 THE BEST CARE FOR THE AGING by Echo Garrett Your guide to the many facilities across America where your elderly loved ones can be truly happy.

DEPARTMENTS 1 PUBLISHER'S LETTER More than mere kids' stuff 5 EDITOR'S NOTES The smartest thing funds can do 7 YOUR LETTERS Why you say your city is the best place 14 NEWSLINE What Congress really costs you: $2.8 billion! -- Lessons from the Harriman estate wars -- Stock warning 25 BUY, SEll OR HOLD What Buffett's mistakes can teach you 29 MONEY HELPS Sheltering your home-sale profits 35 IDEA OF THE MONTH Dolans: Lower your property tax. 38 MONEY MONITOR Milking rebates -- AmEx's True Grace 46 FUND WATCH A promising alternative to money funds 62 WALL STREET Five stocks poised for a January bounce 220 SMART SPENDING How to be an armchair shopping whiz 229 MONEY PRO Stocks set for a 66% gain 234 FORECAST Why stocks could hit double-digit returns in '95

Cover photograph by John Abbott

SMALL-BUSINESS GUIDE

102 FIVE KEYS TO BUSINESS SUCCESS by Kevin McKean

104 GET THE MOST FROM YOUR EMPLOYEES by Anne Field

114 BORROW AGAINST COLLATERAL YOU MAY NOT KNOW YOU HAVE by Nancy J. Perry

120 HIGH-TECH SOLUTIONS FOR LOW-COST BUDGETS by David Evans

126 THE 20 BEST PLACES FOR ENTREPRENEURS by Mark Bautz

136 HOW TO BE A SMARTER BOSS by Marlys J. Harris

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