Personal finance from around the Web:

• A simple trick to cut your spending: Estimate the annual cost of what you're buying. [Debt-Proof Living via Free Money Finance]

• Fearful of fraud? Of course, you are. In fact, it's is a sign of successful messaging on the part of the IRS, which seems to make an annual push for publicizing tax fraud cases as the calendar year approaches April 15th. [Economix]

• Say goodbye to the Federal Reserve's support of mortgage bonds. Today is the end of the Fed's $1.25 trillion binge on U.S. mortgage-backed securities. The debate continues on what the Fed's cease and desist will mean for rates. [The Atlantic Online]

• If you have ever been in a Southwest Airlines corral for seating, you will probably enjoy AirTran's latest commercial, which takes the herd of cattle metaphor to a very literal level. [The Consumerist]

• Never too big to fail: Former Federal Reserve Chairman Paul Volcker scoffs at the notion that banks should think financial reform will protect them from getting shut down. [AFP]

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