I love the New Year holiday! It brings with it a fresh start, a new beginning, the turning over of a new leaf. It feels as if we are starting over with a clean slate. Out with the "old" and in with the "new".

Perhaps that's why so many are compelled to make New Year Resolutions, in spite of the fact that most of those resolutions are destined to fail. If you are a resolution setter, I don't mean to rain on your parade. And please "don't shoot the messenger," I read about it on Wikipedia:

A study in 2007 by Richard Wisemen from the University of Bristol showed that 88% of those who set New Year resolutions fail. --Wikipedia

So, if you are one of the 12% that can make your resolution happen...Congratulations! My guess is that you've figured out what needs to be in place to carry your resolution through to completion. You've "cracked the code." And that's not an easy thing to do.

If you happen to be one of the 88% (or if you're not sure which side you're on) ...I've got good news. I'm...