Happy Fresh Year. Here’s to a better one!

I think that the world is generally becoming a better place as the years go by. But 2020 was a real stinker, even for someone like me. Nothing will magically change as the clock strikes midnight tonight, but surely 2021 can’t be any worse than 2020?

As we reflect on the past year, my heart goes out to all those who truly suffered this year. Many people suffered economically due to shutdowns. While economic hardship is painful, many people also suffered in an ultimate way — their health.

If you’ve been fortunate enough this year to avoid both an economic shock and a health one, please consider giving back. Help out a neighbor in need or donate to a worthy cause. Even if you take the standard deduction, U.S. taxpayers can deduct up to $300 in charitable cash donations this year. Take advantage of this and chip in to an organization in need ahead of the clock strikes midnight.