As we are ruled, collectively and individually, by time, it is appropriate to mark the end of each year.  Since 1422 when French king Charles VI died and was replaced by Charles VII, the expression of “the king is dead, long live the king” has been used to assure us that the throne is never empty.  We remain ruled by time — 2014 is dead, long live 2015 —

As 2014 dies, don’t forget 2015 is a fresh start, a time of new opportunities.  Take the opportunity to forgive somebody who has hurt you.  It will help you more than it helps them.

From an investment standpoint, only once since 1885 has the stock market gone down in any year ending in the number 5, as in 2015.  That doesn’t mean it won’t be a rough ride, because it will be, given all the geopolitical uncertainty.  In addition, the third year of a presidential term is historically the best, and 2015 will be the third year of Obama’s second term.

Party on . . .