A breezy, wide-ranging introduction to the risks and rewards of the many opportunties now available to provident individuals who want their money to work at least as hard as they do. Even fiscal sophisticates are bemused by today's deregulated marketplace. Krefetz (How to Read and Profit from the Financial News, Leverage) provides reliable if sometimes sketchy guidance for the puzzled. His pro-and-con survey (which allows for recent revisions in the Internal Revenue Code) ranges from annuities, CDs, insurance policies (including so-called universal life), money-market as well as passbook accounts, tax-exempt municipals, and US Government obligations through zero-coupon bonds. Covered as well are the ins and outs of calculating yields, anticipating interest-rate swings, and gauging the creditworthiness of depository institutions or securities issuers. Krefetz goes gainfully beyond the limits normal for primers of this sort. To illustrate, he reviews ownership options and tax exigencies in the context of various income-yielding possibilities. There's even a cautiously worded chapter that examines mainly legal ways in which the thrifty can protect the privacy of their financial affairs here as well as in offshore havens. More notable for breadth than depth, the text offers useful advisories that can help the income-minded shop wisely and well for financial services.