Welcome to 2009!!

This year there is a need for many changes.  I don’t just say this because, personally, I want changes.  I say this because the world has gone to hell in a hand basket!

War, political tensions, finances – to include government/markets/business/individual, and complete idiocy world wide.

2009 is the year of changes geopolitically; and if you chose to it is the year of personal financial changes.

2009 is not the year for the world financial markets.  This would in turn mean it is most likely not the year of “turn around” for most businesses either.  It is not the year …