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I remember him because it took some explainin' to get the bet through his noddle. He was a soft mark for a bunco steerer. I've seen some fresh kids playin' the horses, but he had 'em all beat to a standstill. It must abeen first-time luck with him, for he cashed." "Can you describe him?"

My budget again includes tax-free family savings accounts; penalty-free withdrawals from I. R. A.'s for first-time homebuyers; and, to increase jobs and growth, a reduced tax for long-term capital gains. I know their are differences among us about the impact and the effects of a capital gains incentive.

My plan would modify the passive-loss rule for active real-estate developers. And it would make it easier for pension plans to purchase real estate. For those Americans who dream of buying a first home but who can't quite afford it, my plan would allow first-time home buyers to withdraw savings from IRAs without penalty and provide a $5000 tax credit for the first purchase of that home.

It's there for our housing initiative, hope, H-O-P-E, to help everyone from first-time homebuyers to the homeless. The money's there to keep our kids drug-free, 70 percent more than when I took office in 1989. It's there for space exploration, and its there for education, another record high. And one more, and one more thing.

Second, we ought to cut taxes $ 500 for families with children under 13. Third, we ought to foster more savings and personal responsibility by permitting people to establish an individual retirement account and withdraw from it tax free for the cost of education, health care, first-time home buying or the care of a parent. And fourth, we should pass a G.I. bill for America's workers.

My budget again includes tax-free family savings accounts; penalty-free withdrawals from I. R. A.'s for first-time homebuyers; and, to increase jobs and growth, a reduced tax for long-term capital gains. I know their are differences among us about the impact and the effects of a capital gains incentive.

It is not so much a prison or penitentiary as a human pound, where every variety of waif and stray turns up and sojourns for a while; murderers, pickpockets, political scapegoats, confidence men, old professionals, first-time offenders, even suspects afterwards to be proved innocent.

This, for the first-time, came to our knowledge last night, after his return from wherever he had been.

That vague reference to "if or when you leave here" was undoubtedly a slip of the tongue. Philander had probably guessed or perhaps it was so with all first-time men that Hanlon was here on probation. "If so," the thought was insistent, "I sure will have to watch my step every minute, and not let slip what I'm trying to do here."

Home price inflation and high interest rates threaten to put homeownership out of reach for first-time homebuyers. Lower income households, the elderly and those dependent upon rental housing face rising rents, low levels of rental housing construction by historic standards, and the threat of displacement due to conversion to condominiums and other factors.