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One of the biggest challenges for individual investors is filtering out all the noise out there and determining what information if of real value. I deal with this every day. I spend a great deal of time reading every day. At least 95% of it is useless to me in trying to make money for my clients.

Carl Richards is an financial planner who has become well-known for his napkin drawings that visually represent financial ideas. I love his stuff and highly recommend it. He does a great job of filtering the junk and sharing useful ideas… though I still think the dot on that napkin is too big.

You can read his NY Times blog here and follow him on Twitter @behaviorgap.