Markets were on the rise this year, but plenty of investors are still stinging from the economic crisis and they’re unwilling to jump in. Then: Lithuania is the 19th country to adopt the euro today. We look at outlook there and the pros and cons of joining the common currency. Finally, the Internal Revenue Service’s commissioner predicts that the upcoming tax season will be “miserable.” Big funding and staffing cuts, new mandates and the last minute extension of several dozen tax breaks are making things complicated.