As we approach the last day of this most challenging year, my traditional HNY greeting has more meaning than perhaps at any time in most readers’ lives. So no education today, no hidden insights into financial potholes to avoid or nuggets to grab onto. Simply this:

• I wish for you and yours a safe and healthy 2021.
• I wish for you prosperity for your business, and financial security for you and your family.
• I wish for you that you resolve to make your world a better place. Not THE world, that takes all of us, and a fair amount of patience. But if you do your part in your corner of the world, and I do my part – as I am already committed to do – the world will actually be a better place.

And that is my definition of a Happy New Year.