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 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 of 2009. [ETFdb]

• The real estate recovery is threatened by a "shadow inventory" 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 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. [The Motley Fool]

• Goldman Sachs releases its commodities outlook for 2010. The investment banking powerhouse expects oil to hit $90, and gold to climb to $1,350. [The Pragmatic Capitalist]

Additional reporting by Tania Chen.

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