OK, I'm not going to call the following your Financial New Year's Resolutions because too many resolutions get broken all too easily (yes I'm talking to you, cheesecake!) But these 5 steps really do have the power to transform your money picture from meh to mega.
Over the past several years, many studies have shown the advantages of teams which are diverse in terms of skills, age, culture, personality and, most especially, gender. Diverse teams, when well led, are more innovative and creative.
Here is a nation whose infrastructure was focused on pearl "hunting" and fishing, whose economy was virtually destroyed by the introduction of Japanese cultured pearls in the 1920's and 1930's. Then in the 1940's came the discovery of oil.