OK, folks, does anyone want to go on record with their New Year's resolutions? Here are a few of mine to get the ball rolling: Kick this sinus infection (work already in progress). Consolidate most of my smaller IRAs and 401(k)s into one fund. I've managed to accumulate quite a few of these due to job changes over the past ten years and it's getting difficult to keep track of them. Drink more tea, less Dr. Pepper. (Parameters "more" and "less" left intentionally vague, to make this one easier to break.) Learn to play "Go".