Fair Winds And Following Seas In 2016?

Where does the time go? As you read this article, dear reader, we will have just said goodbye to 2015 and moved into the second half of this decade – already! Inevitably the New Year brings resolutions – all made in good faith and with well meaning. Which, if you're anything like me, is why we feel so guilty when most of them have been broken even before the New Year bank holiday weekend has come to an end.

Nevertheless, whenever 1 January comes around I confess to a feeling of renewal, of something more positive around the corner – or, to keep within the theme of this month's edition, new beginnings. As this is the finance column I had better restrict myself to financial, rather than personal, resolutions, which – as we have already agreed – are probably already a distant memory anyway.