Another year over, and I’m actually glad.  With the real estate collapse (house still on the market, going on two years), stock market decline (S&P down 40+%), credit crisis, bank failures, presidential campaigns/politics, government bailouts (where in the world are we going to get 2 trillion to pay off the debt – I know, we’ll just print more money!), negative returns on treasuries, gas price roller-coasters, I can’t say that I’m sad to see this year finish.  It wasn’t one of my best years, for all the reasons above and more.  On to 2009 – may it be a better year than ’08!  Happy New Year to all!