Am starting the decade through tough times. Had to shift house when got used to it; invoices not being paid for 3 months & so going through financial crunch; added to it, tenant in Bangalore flat us living out; stock mkt is entering a bear mkt and all investments are at all time low returns; not having someone to discuss professionally adds to the stress. Not being able to drive, or go for swimming or photo walk also adds to the woe. It could be seen as a end of rough times or beginning of tough times. Only time will tell.