Monroe, Sarah D.Garman, E. ThomasBarclay, Nancy A.2015-08-052015-08-051977-07http://hdl.handle.net/10919/5538688 pagesapplication/pdfen-USVirginia Cooperative Extension materials are available for public use, re-print, or citation without further permission, provided the use includes credit to the author and to Virginia Cooperative Extension, Virginia Tech, and Virginia State University.LD5655.A762 C62Finance -- Handbooks, manuals, etc.Finance, Personal -- VirginiaExtension publication31325925