Healthcare reform has entered the limelight again this year and already people are trying to frame the problem as government versus marketplace solutions dividing along traditional liberal/conservative lines.  Unfortunately, this comes at the problem from the wrong direction.
From the Congressional Budget Office (CBO) Growth in Health Care Costs report we get the following graph.  The [...]

Pimco 1-3 Year U.S. Treasury Index Fund  (TUZ) will have an expense ratio of 0.09%.  This compares favorably to iShares Lehman 1-3 Year Treasury Bond ETF’s expense ratio of 0.15%.
This is the first of seven ETFs that PIMCO has in the pipeline.  I am esspecially looking forward to the ETFs that allow greater maturity management with TIPs.

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Gail Cunningham of the National Foundation for Credit Counseling provides the following information on FICO scores.

Paying your bills on time — 35 percent of your FICO score.
Ratio of credit available to credit used (using under 30% is good) — 30 percent.
Longevity of credit accounts (longer is good) — 15 percent.
Applications for new credit (fewer is good) [...]

Problem Moves to Prime Mortgages
To date foreclosures have been concentraded on the lower end of the housing market.  And the lower end could reach a price bottom by next year.  The upper end however is only just now starting to work through its problems.
In the chart on the right you can see that prime loan [...]