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title: 'More Money Monday roundup: 10% tanning tax & 2009''s hottest ETFs'
description: 'Personal finance from around the Web on Monday: Beauty is in the eye of the beholder? American Medical Association persuaded senate to add a 10…'
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published: '2009-12-21T20:28:21.000Z'
modified: '2009-12-21T20:28:21.000Z'
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![More Money Monday roundup: 10% tanning tax & 2009's hottest ETFs](https://money.com/img/logo-social.png)

Personal finance from around the Web on Monday:

-   Beauty is in the eye of the beholder? American Medical Association persuaded senate to add [a 10 percent tanning tax](http://blogs.wsj.com/washwire/2009/12/19/senate-bill-removes-botax-adds-tanning-tax/) in place of the 5 percent tax proposal on elective cosmetic surgery. \[Washington Wire WSJ Blog\]

-   When you're hot, you're hot: Here's a list of [the best-performing exchange-traded funds](http://etfdb.com/2009/best-performing-etfs-of-2009/) of 2009. \[ETFdb\]

-   The [real estate recovery is threatened by a "shadow inventory"](http://www.latimes.com/business/la-fi-foreclosures18-2009dec18,0,3770149.story) of millions of foreclosed and delinquent-loan homes that aren't counted among houses up for sale. \[The Los Angeles Times\]

-   A South Dakota bank is offering a card to high-risk consumers to help them rebuild their credit. But it comes with one little catch: a [79.9% interest](http://www.argusleader.com/article/20091218/NEWS/912180322/1001/news) rate, the highest on the market. \[Argus Leader\]

-   More than 80% of high-net-worth investors plan to take some of their investments away from their financial advisers. That doesn't surprise one writer, who thinks the [odds are stacked against those who invest in mutual funds](http://www.fool.com/investing/general/2009/12/18/3-reasons-youre-being-set-up-to-fail.aspx). \[The Motley Fool\]

-   Goldman Sachs releases its [commodities outlook for 2010](http://pragcap.com/goldmans-2010-commodity-outlook). The investment banking powerhouse expects oil to hit $90, and gold to climb to $1,350. \[The Pragmatic Capitalist\]

*Additional reporting by Tania Chen.*

*Follow More Money on Twitter at [http://twitter.com/moremoneyblog](http://twitter.com/moremoneyblog)*.

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