For years I have been indifferent to which ride-sharing company I used in the highly competitive duopoly market controlled by Uber and Lyft, admittedly with vastly different shares of market.

Normally, at this time of year, I write an economic/stock market blog, with both a backward analysis of the year behind us and a forecast of what might be facing us in the incoming year.

The recent overhaul of the student loan program by the Federal Government made headline news—not surprisingly. As part of the budget bill that was passed in July of last year, massive cutbacks in the graduate school portion of the loan program will go into effect on July 1 of this year, essentially unraveling a more than twenty-year-old initiative designed to support students looking to enhance their careers by studying for and obtaining graduate degrees in their professions.