Hi everyone! First, I would like to wish you all a very happy New Year! I hope it is positive and prosperous for us all! 2019 has been quite the year for me. From retiring from my job of 30 years and pursuing my dream of offering my services full time, which happened September 3rd. I have experienced heartache as not all my loved ones made it through this year, but I take comfort in knowing they are at peace, and still with me when I need them. I have experienced joy, spendin