This first year-end message from The Independent Speculator is more than a greeting. I review how my first year as an Independent Speculator has gone, as that sets the stage for what I’m seeing in the year ahead. I hope you’ll find this interesting, amusing, and more than anything, useful, as we face what’s shaping up to be an extremely volatile 2019.

With my sincere best wishes,



Thursday, December 20, 5:49pm, EST, 2018