This book is a financial tool for those people who keep saying they have to organize their financial affairs but don't know how to get started. The author presents an alphabetically-arranged listing for the financial instruments that these investors are likely to be interested in. Frank appraisals of the advantages, disadvantages, costs and benefits of each type of financial instrument are provided, as well as techniques for evaluating the degree of risk they can afford to take. This edition has been updated to incorporate the most recent Clinton tax laws and all the key developments since the last edition.