This book is about what to do with the 6.5 to 7.5 percent of your current income that Breunig says most of us ought to put into safe investments. Thus major attention is given to clear explanations of fixed investment interest, government-issue securities, the commercial money market, bank certificates, and Swiss annuities ( not Swiss bank accounts). Each chapter contains a glossary of ``special terms''; some include brief reading lists. How-to-buy instructions and addresses are given, together with a list of 200 ``premier'' banks, the latter in support of advice not to trust in federal deposit insurance. The work is weakened by some digressions on tangential topics, but its special focus on safety provides useful balance to a surfeit of quick-financial-fix offerings. Justine Roberts, Univ. of California at San Francisco Lib.