The page is about to turn on our calendar. Looking back, I had a darned good 2015. Better than a long stretch of previous years.

Now I have in place, written down, a 5-year plan in which I have outlined specific goals. And I believe I have what it takes to accomplish them.  Of course those three amigos, luck, fortune and circumstance will likely help determine how rocky or smooth the road ahead will be.

Happy New Year!