We've all survived the end of the world in 2012 so we have a lot to be grateful for.

As Guillaume Apollinaire, French poet and critic said:

"Now and then it's good to pause in our pursuit of happiness and just be happy."

Wishing you a happy evening full of lots of good memories of 2012 and lots of hopeful thoughts for 2013.

Best of luck to all your investment clubs in the New Year from all of us at bivio!