Kratzer, ConstanceWilson, Amber2013-07-302013-07-302000http://hdl.handle.net/10919/234071 pamphletapplication/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 no. 354-125Finance, PersonalExtension publication