Mortgage rates will only increase slightly after the Federal Reserve finishes with its ambitious debt-buying program aimed at helping prop up the U.S. housing market, Morgan Stanley analysts specializing in interest rates say.

It was the worst-case scenario when I made STEN’s notes the Stupid Investment of the Week in 2007. Let’s revisit the STEN notes, with an eye toward what investors can do when they get left holding the bag after a horrendous investment mistake.

The short list on who’s to blame for the global financial crisis grows longer with each Congressional hearing, as the collective fear that gripped the financial markets a year ago slowly yields to a natural desire in society to find a scapegoat to pin it on.