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More Americans are relying on investments to help them buy a house or to pay the college bills...but most investors can't even distinguish between different kinds of mutual funds. As NPR's Elaine Korry reports, that makes for a rich climate for rogue brokers...and it makes it important for investors to investigate the person who's handling their money.

NPR's Joanne Silberner reports on two federal HMO programs for the elderly. People who join get not just medical care - they also receive social supports like home nursing aides -- but members are limited to the health care providers in the HMOs. The goal is to keep people as healthy as possible as long as possible while holding down costs. So far, at least, there are few complaints about the programs.

Reporter Alice Furlaud (FURR-loh) profiles poet Ellen Hinsey, winner of the 1995 Yale Younger Poets Prize. It is a prize given to an American...under 40...who has never been published. Hinsey's book "Cities of Memory" has just been released, and poetry editors admire her unique approach. (7:45) (Stations: "Cities of Memory" is published by the Yale University Press,

While the overwhelming majority of black voters vote Democratic, some feel that the Democratic party takes them for granted and does not address all of their concerns. At the same time, the Republican presidential ticket -- Bob Dole and Jack Kemp -- says it will make a special effort this year to reach out to black voters, who have sometimes been written off by the Republican Party. NPR's Cheryl Corley reports.

NPR's Vicky O'Hara reports on the man chosen to succeed the late Somali militia leader General Mohamed Farrah Aideed (eye-DEED). The new leader is a former reservist in the U-S Marines who actually served briefly during America's military intervention in Somalia. He also is Aideed's son...and friends describe him as more American than Somali.

Danny speaks with Janet Fleischman of Human Rights Watch about an unreported aspect of the Rwandan genocide. Reviewing a new Human Rights Watch report that she co-authored, Ms. Fleischman says Hutu death squads not only murdered up to a million members of the Tutsi minority, but also raped tens of thousands of Tutsi women. Fleischman says the rapes were part of the systemic Hutu campaign of genocide against the Tutsis.

NPR's Tom Gjelten reports on the latest international efforts to organize an emergency relief operation for one million Rwandan refugees stranded by the fighting in eastern Zaire. The Clinton administration is studying a French proposal for a multinational force that would protect the refugees and help them return safely to Rwanda. But there are many obstacles to overcome, not the least of which is the Hutu refugees' fear of returning to Tutsi-controlled Rwanda.

NPR's Mary Kay Magistad reports that today, China celebrated the 92th birthday of Deng Xiaoping. China's former leader is in frail health and though he remains a revered figure in Chinese history, many believe his role as the political center of China has passed to a new group of leaders, with a new vision for their country.

In Detroit this morning the United Auto Workers Union was expected to announce its strike target for the 1996 auto talks. The U-A-W is in the midst of negotiations for new three-year contracts at General Motors, Ford and Chrysler. Traditionally, the union chooses one company as the target of the talks. NPR's Don Gonyea reports that the union surprised observers by not identifying its target company yet.

Last night the week-long Canadian Auto Workers strike against General Motors spread to every G-M plant in Canada. N-P-R's Don Gonyea reports that because the world's largest automaker stockpiled parts normally produced in the Canadian factories, analysts expect that US assembly plants won't be seriously affected until next week at the earliest.