Bridging the gap between the high risk of the stock market, and the lower returns of fixed-yield investments, two options experts offer a technique for decreasing investment risk and increasing rewards using a method that combines stocks with call options by "writing" a call against a stock already owned by the investor. The method can be used by any stockowner and does not require large minimums, margin accounts, or advanced theoretical analysis. Lehman and McMillan outline benefits and caveats of the investment strategy that has, to date, been used by only a devoted few. Annotation (c) Book News, Inc., Portland, OR (booknews.com)