Via Phillip Green...
If you are at the same point financially as when the year started, or a year ago, or even 5 years ago -- or worse off -- who is to blame?
Moreover, ask yourself, how is that even possible?
Have you challenged yourself enough to become Financially Literate in 2015?
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Free Financial Literacy Course
Purdue University is now offering a free 2016 Financial Literacy Course
Certificate courses, recognized by many major corporations and employers, now available free through Harvard, Purdue University, MIT-Sloan School of Management, Stanford, Yale, Chicago Booth and The Wharton Business School at the University of Pennsylvania.
https://www.edx.org/course/personal-finance-planning-purduex-financex
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c. 2015, The Black Hedge Fund Group