Benjamin Franklin said, “Be at war with your vices, at peace with your neighbors, and let every new year find you a better man.” Can you believe the new year is around the corner? If there was ever a year for reflection and looking ahead, this is the year to say you have "2020 vision." Whether you are making resolutions, reminiscing on your 2019 achievements or just celebrating another revolution around the sun, I want to wish you and yours a happy New Year. That said, there are a lot of family