Investing vs. speculating. What is value? The lessons of Benjamin Graham. There is a right way and a wrong way of doing things. What if the indices do nothing for the next decade. Expect the unexpected. Black Swans? More volatility on the horizon. Retirement fears are growing. Inflation is seen as a big setback for retirement savings. Increased contributions for next year. Most people need a retirement reality check. Earnings apocalypse has not arrived as of yet. Focus on value and fundamentals. Tech earnings bonanza! Alphabet numbers. YouTube and advertising revenue falling off. Microsoft numbers tank. The future of online advertising, cloud, PC sales. CEO’s and shiny objects. Tech companies need to adjust their costs fast.Big Government destroys everything. Davos in the desert.