Iā€™ve never been a big believer in ā€œpredictionsā€ for the coming year, canā€™t say that Iā€™ve ever created any (that I remember). But more and more often lately my clients have been asking me about ā€œwhere all this is goingā€¦ā€ so that started me thinking. While I donā€™t claim to have a crystal ball, I [...]