Nope, we aren't at the bar, and it is not closing time. Where we are is the last few hours of the year. Father Time is shutting 2018 down as one door closes and another opens, while the "Great Game" continues, unabated. New beginnings are in order, and I hope you feel some level of excitement as new opportunities come your way.
There are three basic things that you can do with money. The broad categories are gambling, speculating and investing. I want nothing to do with gambling. Inside of this group you find casinos, some derivative products and Bitcoin. At least the first two are regulated by some governmental commission. Bitcoin is the worst of the three because it is regulated by no one and the pimp rooms abound for the easy marks. Fortunately, I am not of the "easy" variety.