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Plan Now, Profit Later
CNBC.com | January 18, 2012 | 09:49 AM EST

On Wall Street, the January Effect refers to the tendency of stocks to rise in the first month of the year as new money enters the market.

On Main Street, it might as well be the tendency of people to use the new year as an opportiunity to make resolutions that rarely survive the month.

We're not, however, talking about losing weight or exercising; we're interested in the financial decisions that will pay off throughout the year — saving, preserving allocating and investing money.

Such an exercise can be as basic as getting organized or as complicated as finding the right sectors in which to invest.

Our special report, "Your Money Resolutions ," is all about taking care of your money: getting organized, improving your balance sheet, maximizing retirement income, assessing risk and identifying the right equity sectors.

Plus, you'll learn what our market prognosticators expect from various markets in 2012.

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