Wow - I got up at 4:00 AM to start my morning watch and prayers for the end of 2018, and already my inbox was full of good folks asking me for money and gifts as a end of year get your tax-deduction "please give" request. One even sent me two just in case I might have missed one. But I am going to give you a gift I know that if I take my advice this year that by 2020 things will be better for me and I believe for you ...So please give me five to receive my gift of understanding today for the New Year....