Timothy Middleton is a columnist for CNBC on MSN Money, and a regular contributor to CNBC's Squawk Box. He also does weekend business reports for WCBS Radio in New York. Middleton was formerly a mutual funds columnist for the New York Times, and a contributor to such periodicals as Money magazine, Worth, and Bloomberg Personal. A financial journalist for twenty-five years, he has been an editor of Dow Jones News Service and Crain's New York Business, a writer for the "Abreast of the Market" column for the Wall Street Journal Europe, and a speechwriter for the Federal Reserve Bank of Saint Loui...