We have arrived. The huge mirrored ball in Times Square, New York has dropped. The fire crackers have popped, and it is now 2020. A Leap Year, no less!!! An election year!. Wow, there is already much on the table for 2020. There will be allot of excitement, dialogues, discussions, and outcomes! 2020 promise to be invigorating! How will it affect you and yours? I am looking forward to great things!!!