A Beary New Year to You and Yours!

Happy New Year to all of my friends! The bond market is beginning 2015 much better than it began 2014; we are now trading at levels not seen since May of 2013. The DOW is looking to close down 330 points, a one day drop of 1.86%.  This could make for an interesting year.
(Oh, the photo of the bear is to represent a bear market–and a reminder that you have a fresh cafeteria plan with the 2015 calendar year and should go see the dentist.)