If you're going about year-end tax and financial planning the same old way, you may be making some costly mistakes. The world has changed. Did you notice? Some tax laws are expiring while others are being ginned up; assets like housing and stocks that typically produce gains have delivered staggering losses. Smart planning in this environment means turning some traditional strategies on their head. But you only have a few weeks. So let's get started. Here are 10 money moves to make by Dec. 31.