Maybe you should have thought of this before you made the movie. Oliver Stone felt the same way about Gordon Gekko when he filmed Wall Street. He did not realize he created the motivating character for the Jordan Belforts of the world. In investing this is called unintended consequences. Like they say those who do…

Most would agree 4% is a good rule of thumb. If your money is properly diversified this amount should keep you from running out of money. A little trick to get the most out of this is to withdraw a little more when the market is very positive and withdraw less during negative years. For…

Not opening your bills is a huge one…. http://www.dailyworth.com/posts/2314-7-financial-red-flags/1

Check these out. I did not realize it could help cut down the chances of identity theft. Some pretty good stuff here.. http://money.msn.com/tax-tips/post–5-reasons-to-file-your-taxes-early

Take a look at the list. These people are all pretty bright. Unfortunately they lacked financial literacy and paid a devastating price. The promise of 10% a year risk free returns is an illusion. They all fell for it. http://www.bankrate.com/finance/investing/celebrities-scammed-by-madoff-1.aspx

Cars are a depreciating asset. Making a large investment and borrowing money to purchase one is a guaranteed money loser. Safe and reliable will do. Everything else is wealth destroyer. http://www.bankrate.com/finance/auto/car-depreciation-models-lose-value-1.aspx

A ton!!  Take a look at this cool calculator to help you figure it out! http://www.marketwatch.com/story/heres-what-youll-save-by-ditching-cable-tv-2013-12-11

http://www.washingtonpost.com/business/10-financial-resolutions-you-can-actually-keep/2013/12/27/8fb431d4-6c0f-11e3-a523-fe73f0ff6b8d_story.html It is essential you put many of your financial decisions on auto-pilot. The less complicated, the less that can go wrong. Stick to the plan through thick and thin and you will be amazed at the results. Simple systems are the key. Start today and you can begin to change your life.

“He who blames others has a long way to go on his journey. He who blames himself is halfway there. He who blames no one has arrived. Chinese proverb   Here is a great article on how this relates to investing by Barry Ritholz.. http://www.ritholtz.com/blog/2014/01/take-responsibility-for-your-stock-losses/

Something to consider when deciding on your financial goals for the new year. Necessity or pleasure, you will be in a better place with more money. Whatever you are planning to save this year increase it by 1or 2%. You will not regret doing this.   More from Roger Nusbaum.. “There is no situation where…