Happy New Year! For me I am glad to see 2015 go. I had a heart injury, a house fire and have been early on several stock picks. Such is life. I survived, nobody got hurt in the fire, I'm back in my house and early doesn't usually mean wrong if you are patient.
This is very important reading in my opinion, so please get a beverage and hunker down for a half hour. At least one topic I'm going to cover could spawn a book, but I will keep it as short as possible.
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