Virginia Cooperative ExtensionUniversity of Kentucky. Cooperative Extension ServiceFlashman, Robert H.Hayhoe, Celia RayLesueur, Alex2013-07-302013-07-302003http://hdl.handle.net/10919/236118 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 no. 354Finance, Personal.Extension publication