Present value of $10,000 investment made January 3, 1994 minus fees and commissions. Rates reflect Wednesday close.

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Our horses' holiday is hectic as they approach the wire, but they still found time to celebrate the season with a veritable financial film festival of yuletide classics. The saver steeds found that "It's a Wonderful Life" if you invest conservatively. EE Bonds, Money Market and 90-day CD remain in first, second and third after respective gains of $11, $10 and $7. Blue Chip and Gold are singing "A Christmas Carol" after the ghost of profits present graced them with gains of $28 and $87 to put them in fourth and fifth respectively. Lipper Mutual, however, got Scrooged out of $4 and is currently in sixth. Lipper International and OTC found out "How the Grinch Stole Christmas" the hard way. The ghoulish Grinch grabbed green from both, taking $162 from Lipper International to drop him two places to seventh, and he pilfered $109 from OTC to drop him one place to eighth.

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