2018 is going to be a tough one, so they say
They said that last year, mind, but this year they might just be right!
I had a quiet think about what you can do about this vexing state of affairs.
For my answer, see here at my main website blog (or click the image below).
Hopefully some food for thought for you there.
And don't forget to apply the 40% rule!
You can subscribe for my main website blog here.
