As we are less than 24 hours away from 2019, at least here on the East Coast where I live.

Rather than recount the success and failures of the past year, mainly because there were more failures than successes, I am going to put the year firmly behind me and move forward into 2019.

Can things be worse? Sure. It can always get worse. According to several folks, 2018 suffered some $155 billion in losses due to natural disasters. And there were a lot of those, and there can be more. But that is last year. For 2019, we are looking forward.