A new year. Time to hit the gym at 6 a.m. every morning along with half of America to work off that pie and eggnog, purge your home of all the junk you've accumulated and make a list of those side projects you're finally going to get to this year (yeah, right!), like volunteering and taking a cooking class.

Most Januarys are a time for a fresh start. A chance to start over, set a new precedent for yourself and try something new. A productive month that will hopefully get you on track for a year of smooth sailing. But I think we can all agree that this January is different, because 2016 left us with a looming emotion: uncertainty.

What's going to happen to Obamacare, Medicare and Social Security? Will there be a major economic meltdown that puts the Great Recession to shame? Will racism and sexism get worse, or was 2016 the wake-up call we needed to make a move in the right direction? How many more mass shootings will we have to endure? Is World War III around the corner? Is Walter White going to head the DEA? When are the Kardashians going to disappear?

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Natasha Chilingerian

Natasha Chilingerian has been immersed in the credit union industry for over a decade. She first joined CU Times in 2011 as a freelance writer, and following a two-year hiatus from 2013-2015, during which time she served as a communications specialist for Xceed Financial Credit Union (now Kinecta Federal Credit Union), she re-joined the CU Times team full-time as managing editor. She was promoted to executive editor in 2019. In the earlier days of her career, Chilingerian focused on news and lifestyle journalism, serving as a writer and editor for numerous regional publications in Oregon, Louisiana, South Carolina and the San Francisco Bay Area. In addition, she holds experience in marketing copywriting for companies in the finance and technology space. At CU Times, she covers People and Community news, cybersecurity, fintech partnerships, marketing, workplace culture, leadership, DEI, branch strategies, digital banking and more. She currently works remotely and splits her time between Southern California and Portland, Ore.