Copyright 2003 by Harvey Armour.  If you have any questions or comments about this article or would like more information regarding personal or family money management, contact Harvey Armour at harveyarmour@yahoo.com.  Mr. Armour provides insights on financial matters from a Christian perspective.  The information provided in this article and other articles is not intended to replace professional advice.  The author is not providing you with accounting, insurance, investment, legal, real estate, securities, tax, or other professional advice.  Please consult with your own independent attorney and tax accountant to review and approve your decisions.