Dear Smart Investor, The New Year always ushers in a ton of festivities and celebrations. And 2022 promises to be no different. Just as Christmas is associated with gifts and mistletoe, the New Year is normally associated with the making of resolutions. New Year Resolutions are promises we make to ourselves to ensure that we achieve what we may have failed to do in the previous year. It’s also an indication of our hopes and desires for the coming year. Making, and breaking This practice of making resolutions has the effect of boosting consumer demand for everything from gym memberships to smoking cessation clinics. These businesses understand human psychology well enough to position themselves for the traditional New Year phase where people are more willing to open their wallets. I have experienced this phenomenon as I resolved to lose the weight I had gained in the prior year. This nagging thought made me more than willing to sign on an expensive gym package of a few thousand dollars....