Happy New Year! It is a new year filled with promise!  This year is going to be the best ever! I can't wait to see what is going to unfold! My kids are healthy and happy, my brother the financial advisor says he can repair a lot of the damage John did, and I know I will get that scholarship so I can go to graduate school, let alone graduation which is only 5 months away! Like I said the best year ever! Bring it on!