Oh No - not another year-end blog!

Oh yes, this is another year-end blog. And to top it, not the kind that is more popular at this time of the year. This is that time when all the pundits are making predictions for 2018. Most do not look back at what they said exactly one year ago, but a very small minority do. And of course, most of them were right. You see, when you predict something with a thousand-and-one blanket caveats, chances are you would be right. I am not ridiculing anyone. If anything, I am a guilty party. There is a big compliance, regulatory load that we financial professionals carry for every word that we put out for public. To be truthful, most of us do not want to mislead the public. And it is very difficult

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