When 2008 rolled in a little less than a year ago, I welcomed it with open arms.  My future, my success, my 12-months.  Well 2008, there is no puppy love left for you.  Yes, you did get us through a few good things:

• Presidential election
• Low low interest rates on mortgages
• Affordable house prices
• Amazing Olympic games
• Batman

But overall, you were brutal. I won't miss you too terribly much because you also gave us this:

• Plummeting stock market
• Massive foreclosures
• Massive government bailouts (or should I say "rescue plans") to companies who ruled by greed and not by ethics
• Plunging home values
• Loss of jobs (highest unemployment rate in decades)
• Colleagues leaving and companies closing left and right because of limping  housing market

• Loss of retirement and college funds thanks to plummeting stock market

• AND the glaciers continue to melt.

2009, will you be a better year?  Stay tuned tomorrow to read what I hope we'll see in the next 12 months.