As today would be the last trading day of the year, Stocks Cafe will be summarising the results of 2020 for the ERM portfolio tonight, after which I would be doing an article to summarise my investment performance for 2020.  Otherwise, 2020 has been a wild ride. a) Some unavoidable disappointments with 2020 amidst a pandemic Before I begin, I want to talk about some stuff I was unable to execute in 2020.  The first disappointment was that business revenues were not as good as in 2020. Profits dropped by 26%. But I should not be too hard on myself as I think 2021 may be worse and I should be fortunate that I have revenues in the first place.  The second disappointment was that I have yet to incorporate a business as there is still no impetus for this. Continuing to think of my business as a start-up may...