As each year draws to a close, we look forward to a happier New Year.   It’s December 2024 and I find myself given to introspection, reflection, and gratitude. Each year unfolds like a kaleidoscope of lessons and experiences. We lose some, we win some, and through it all we grow. A lack of peace on our beautiful planet marked 2024. Prolonged wars between nations and communities caused immeasurable death and destruction of innocent lives. Only when there is peace can progress follow. Let’s hope that peace finds a home on our planet in 2025. We also witnessed other significant political events that changed the global landscape. Natural disasters, tragic accidents, and unforgettable moments of pride and honour, will remain etched in memory. I learned lessons in 2024. Thanks to some foolish and careless investments and decisions, I learned to be money-savvy. Old friendships turning sour disappointed and hurt me, but I’m grateful for kindness from unexpected sources. I gain...