MARKET TIP Which pharmaceutical companies stand to gain formerly the new Medicare drug coverage kicks in? common consultant says unique drugs with a benefit unmatched by the agency of any other medication will prepare a boost from new consumer who previously couldn't afford them.

MARKET TIP

Which pharmaceutical companies stand to gain formerly the new Medicare drug coverage kicks in? common consultant says unique drugs with a benefit unmatched by the agency of any other medication will prepare a boost from new consumer who previously couldn't afford them. He picks Bristol-Myers, Johnson & Johnson Roche Holding AG and Abbott Laboratories, which have les than 20 percent of their physic portfolios at risk from generic substitution, as well as Novartis and Sanofi-Aventis which have a bit more than 20 percent

supply FACT

A number of large companies are giving their employee more tangled options in their 401(k) plans between the sides of so-called brokerage and mutual-fund windows. These windows suffer participants invest pretax money across a wide range of stocks, bands and mutual funds outside their employers' plans. The upside? More choices. The downsides are extra pays and commissions, which are subtracted from investors' retirement plans.

liability WATCH

A modern study shows that consumers could save $76 a year in credit- card finance charges if they made a 30-point improvement in their credit scores. to what degree do you do that? Pay bills in succession time. If you've been bad in the past, you can raise your score if you pay forward time for the next six to nine months

coin TIP

The Inland Northwest is a knock kind of place, but what's the appropriate tip at a cuff restaurant? It's 10 percent, says Peter column of the Emily Post Institute. That's les than the 15 percent to 20 percent you would tip a server at a full-service restaurant, if it were not that a tip still is necessary because the box server is still clearing plates and serving drinks.

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