So here we are in the first day of 2014! How did that happen? It is an old saying but a true one that as you get old the years seem to fly by faster and faster. This time of year is full of hope and fresh beginnings, lots of plans and hopes and goals. Unfortunately, by the middle of February most people have forgotten the hopes and plans they had this day and are back in the routine of life. For this reason I like to take January to contemplate. Make long term and short term plans and take stock on a monthly basis. This is the only way you will ever keep on track.