By CARL RICHARDS

This year’s financial news had some important themes, but it is up to the individual investor to decide whether to act on them.

Published: December 30, 2013 at 5:00AM

via NYT Your Money http://nyti.ms/19CId7M

via May 21st 2011 wrong http://may21st2011.wordpress.com/2013/12/30/1142/