Personal finance

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• Wealthy may defer income, curb some spending after U.S. cliff deal
• U.S. watchdog says IRS needs more bang from buck on tax audits
• Hedging "cliff" volatility might not get you too far
• Swiss bank Wegelin to close after guilty plea
• Insight: "Cliff" deal's retirement plan revenue boost questioned
• Consumers paying down debt despite obstacles: ABA
• The speculator republic: James Saft
• Passage of bill to avoid "cliff" should bolster Wall Street

• Your Money: Lawsuit raises legal issues for consumer reviewers
• Iowa seeks $14.1 million in back taxes from Peregrine Financial CEO
• Armstrong hedge fund eyes stocks rally, buys Apple
• Credit Suisse plans new asset-backed bonus scheme
• PIMCO's Gross warns investors of looming inflation
• DoubleLine launches stock management division
• Stern Advice: The cliff deal and your wallet

• Lawsuit raises legal issues for consumer reviewers
• Stern Advice - What's wrong with personal finance?
• Shunning Japan gets riskier: James Saft
• Investors swarmed US stock ETFs as fiscal deal reached: Lipper
• Looking past the fiscal cliff rally
• U.S. economy to row against austerity tide in 2013
• Global banks rethink Middle East model as deals slump