New Century Family Money Book

Head of a Boston-area financial planning service, Pond ( 1001 Ways to Cut Your Expenses ), who appears weekly on the Today show, here offers an uncommonly far-reaching and clearly organized money manual. He presses for budget programming (`` . . . live beneath your means''), regular cash-flow evaluation and prudent, habitual investment. Chapters cover future planning, home and auto ownership, college and health-care costs, insurance and taxes. Pond also offers sage advice on the range of domestic and foreign investment possibilities: banking, borrowing, brokerage accounts, mutual funds, stocks and bonds, Social Security, company pension plans, personal IRAs and annuities. (Apr.)