I get three opportunities to think about my life every year. The first opportunity was on my birthday, Christmas Day. The second opportunity arises when considering the new year after the holiday season. Finally, about a month later, I got to use some Chinese metaphysics to think about my year ahead. I don't just contemplate my Tiger Horoscope; I'm born on the day and month of the Rat, so I need to think about that, too. The year of the Dragon would be, at best, so-so, but it is a year of change. I must proactively deal with some of my problems and grab each opportunity for 2024 to be good. This means that, for Tigers, financially, I can expect little gain. My real estate valuation will be meagre, as most capital gains have already been earned in 2023. While REITs will do well when interest rates start to fall later, this will happen quite late,...