Thursday, January 18, 2018

Wednesday, January 17, 2018

IF IN DOUBT, DECLARE THE ACCOUNT

The start of 2018 presents an interesting challenge that I am not used to.  My quandary reminds me of my days at the school swimming pool. The water was always cold. The question was do I jump in and get it over with in one go or do I ease myself into the water gently and take it slower?