Personal Finance Daily: What are medical spas not telling you?

	Personal Finance Daily JANUARY 07, 2013 Monday's Personal Finance Stories By MarketWatch Don't miss these top stories: 10 things medical spas won't tell you CES: The latest weight-loss tool? A fork Retire here, not there: Wisconsin Who should be the face of a $1 trillion coin? Medical spas — a cross between clinics and day spas — are multiplying rapidly. But the more popular they become, the more problems come to light. In Elizabeth O'Brien's story today, read about what you need to know before you go under the needle. Plus in today's Personal Finance pages, learn about the new devices being revealed this week at the Consumer Electronics Show in Las Vegas, and discover what the experts have to say about the merits of a $1 trillion coin. — Alice Hagge , staff editor 10 things medical spas won't tell you The luxury of relaxation, combined with legitimate healing. It sounds like a dream, and in many cases, that's exactly what it is. 10 things medical spas won't tell you. Should borrowers pay more mortgage points? Making upfront payments can potentially save money — but not always. Should borrowers pay more mortgage points? January to-do list for taxes How to get organized for tax year 2013. Plus, five tax resolutions. January to-do list for taxes. Who should be the face of a $1 trillion coin? Experts debate whether any American deserves such an honor. Who should be the face of a $1 trillion coin? CES: The latest weight-loss tool? A fork "Smart utensils" claim to help people improve digestion and drop pounds. CES: The latest weight-loss tool? A fork CES: Avoiding the pain of lost luggage New device tracks checked bags' location. CES: Avoiding the pain of lost luggage. RETIREMENT Retire Here, Not There: Wisconsin A strong economy and top-notch cultural offerings are drawing retirees to the Badger state. Retire Here, Not There: Wisconsin. After the cliff: Roths, munis, diversification Robert Powell on how to prepare your nest egg for a new tax reality. After the cliff: Roths, munis, diversification. Audi, Toyota join 'self-driving' bandwagon More car makers are pursuing tech that could help older drivers stay independent longer. Audi, Toyota join 'self-driving' bandwagon. Read more in our new Retirement section. ECONOMY AND POLITICS Banks in $8.5 bln foreclosure abuse settlement Federal regulators on Monday reached an $8.5 billion settlement with ten large financial institutions over foreclosure abuses stemming from the 'robo-signing' scandal Banks in $8.5 bln foreclosure abuse settlement. Obama to nominate Brennan for CIA post The White House is set to nominate White House counterterrorism adviser John Brennan as CIA director, an administration official tells Agence France-Presse. Obama to nominate Brennan for CIA post. 10 ways 1963 changed your life The way we live and think today was profoundly affected by 10 seismic events that occurred 50 years ago, in 1963, writes media columnist Jon Friedman 10 ways 1963 changed your life. Bundesbank's Weidmann pushes back against ECB Bundesbank President Jens Weidmann begins the year in a curmudgeonly mode, pushing back against the ECB's plans to buy bonds, writes David Marsh. Bundesbank's Weidmann pushes back against ECB. INVESTING Do reporters make good stock pickers? How last year's picks by media big shots fared over the past year Do reporters make good stock pickers? The problem with award-winning funds Honoring managers of the year is fine, but investors need to look longer term The problem with award-winning funds. Give family firms a place at your investment table Some experienced mutual-fund managers seek successful businesses with significant family ownership or control, believing that no one is going to look out for shareholders' interests more than a company's founders and their progeny. Give family firms a place at your investment table. Make China the next stop for your investments After the push-and-shove debate over the so-called fiscal cliff, stock buyers might want to put their money in a place where investing entails less drama. Try China, writes Conrad de Aenlle. Make China the next stop for your investments. $10 billion no tonic for taxpayers or for B. of A. Before celebrating the latest mortgage settlement, consider the true legacy of the financial crisis — how unsustainable leverage and greed wiped out the wealth of households, the government and the economy. $10 billion no tonic for taxpayers or for B. of A. Companies with record layoffs in 2012 Dozens of companies each fired thousands of workers, with struggling firms at the top of this list based on total cuts. Companies with record layoffs in 2012. Get the latest news on our mobile site: http://www.marketwatch.com/m MarketWatch has sent you this newsletter because you signed up to receive it. 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