In this Issue:
• New Year's Resolutions - At a time when everyone vows to make meaningful life changes, we suggest a few financial resolutions.
• Three Recent Upgrades - S&P analysts believe these stocks are now poised for significant outperformance over the next 12 months.
• Stocks to Avoid - Our analysts believe that the issues in the table below will underperform the market over the next 12 months.•
• Plays on Home Electronics - In this season of high consumption, we looked for tech companies that derive some benefit from sales of popular electronic devices.
• Master List Stocks Update - Our three supervised Master List groups of stocks, recommended as core holdings for long-term investors, are regularly featured on these two pages. Group 3, highlighted this week, consists of small- and mid-cap stocks.

Some of the Companies Featured:
Ameritrade Holding
Chattem Inc.
CNF Inc.
Electronic Arts
Donaldson Co.
Flextronics International
Humana Inc.
Hydril Co.
Inamed Corp.
International Rectifier
Lexmark International
Liz Claiborne Inc.

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Standard & Poor's is one of the world's preeminent providers of credit ratings, and for such globally recognized financial-market indices as the S&P 500®. S&P also provides a wide range of other products and services designed to help individuals and institutions around the world make better-informed financial decisions with greater confidence.