Another year has gone by as one awakens on New Year's Day. If lucky, we have been able to get free calendars from the bank, insurance office, and local pharmacy as well as the freebies sent in the mail asking us to purchase something else that we may or may not be able to afford. Though we might make mistakes on the date in writing out monthly checks for the first few days of the month, has much changed from last year to this year? We have seen the party animals on Times Square the previous evening on television as the Rockefeller Plaza ball goes down to begin the New Year.
