Your Money Resolutions 2012 - Special Report

Financial resolutions are great, but when it comes to investment decisions, you'll need information and commitment.

Amid a plethora of worries ranging from political unrest in the Middle East to slowing growth in China, the hope normally associated with the start of a new investment year has been trumped by fear. Rather than playing down risk, investors are obsessing over it.

With uncertainty and volatility big issues much like last year, money managers say go for high dividend-paying stocks and sectors such as healthcare, consumer staples and utilities.

While experts recommend tracking expenses to rein in unbridled spending, it is possible to build a nest egg without accounting for every penny. Start by having your paycheck deposited into a master account, from which all big payments are auto-debited. 

In challenging economic times, people will try almost anything to save money and clean up their balance sheets. You may be surprised how quickly these 10 simple changes can add up to real money in your pocket.

In the low-interest rate environment of today, new strategies are needed to make the most of your savings and avoid the inevitable bite of inflation.

Whether you are twenty something and coming to grips with your first job, or sixty-plus and settling into retirement, there is a financial priority for you.

I’m a big proponent of rightsizing personal finances to match one’s goals and desired lifestyle, with the ultimate aim of a seamless transition to retirement. That’s right: retirement.

Every lap around the track, each sit up and all of those salads are just one more way to save for retirement.