Personal Finance from USATODAY.com - December 31

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Editor's Picks Investors look back on a decade of grim stock returns Investors are beginning to turn away from bonds, embrace stocks Average rate on 30-year mortgage up to 4.86% Ford to let parents censor teens' car radio Elizabeth Warren starts shaping consumer protection agency Best Buy, Wal-Mart, Target, others loosen return policies There is a lot more to ETFs than meets the eye Smart shopping: How to use that gift card wisely Money Features Your Money / Sandra Block Returning gifts will be easier if you follow a few simple rules Investing / John Waggoner Here's how to ditch your fund manager and try index investing		Q: I own a bond that's callable on Dec. 15, 2009. It didn't get called in 2009, but now the company called it in 2010. Is that legal? Read past columns: If the Dow has soared, why's my portfolio lagging? The magical single stock to buy: You might try an ETF 401(k) fear: Can workers' stock decisions figure in layoffs? Avoid taxes: Put your riskiest investments in your Roth IRA Advertisement <
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