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accrued benefit addition American amount annuity appliance areas auto bedroom better bill Books bowling ball BUICK SKYHAWK canceled check cars certificate CHEVROLET CHEVROLET MONZA Christmas contributions copy cost cover dealer deductions disc brakes discount dividends Doe Realty earned Editors employes engine federal Fiertz files fireplace funds garage grams hair horsepower improvements income Individual Retirement Account inflation investment clubs issue keep Kiplinger least loan mandatory labeling ment models month mortgage NAIC needles nutrient nutrition labeling OLDSMOBILE STARFIRE payments PBGC pension plan portfolio protein records repairs replacement safe-deposit box savings serving shares social security square foot standard styling suggested retail prices there's tion tree U.S. RDA Underwriters Laboratories vested benefits vitamin warranty watts write year's York