ocr: AAL, AIDASSOCIATIONT FOR LUTHERANS THLAFFORDABLELFE AAL AID ASSOCIATION FORI LUTHERANS AI PRACTICAL GUIDE TO MANAGING YOUR MONEY 4321 N. Ballard Road, Appleton, WI 54919-0001 www.aal.org e-mail: aalmail@a aal.org (800)2 225-5225 CD-ROM 14530CDH 5-99