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IF YOU'VE GOT college-bound kids in your life , then you've probably gotten word that one of the best ways to save is through a tax-free 529 college-savings plan . Now , IF you've got a nuke laying around the house , by all means , DO N'T wrap it up and send it to Bush . IF you've never been wounded on a battlefield , worried about some aspect of your personal life , or sought the special sense of inner peace and tranquility that many people believe comes only from religion , " chaplain " might just be a word you link only to Sunday worship services at the post chapel , or to baptisms , military weddings and funerals . IF YOU'VE ever had an apple tree that would n't bear fruit it might have lacked a mate .