We all know how hard 2020 has been and many of us are looking forward to ringing in the new year.  Although, we all wish we could snap our fingers and have 2020 and its problems behind us, the reality is that the first half of 2021 may look similar to 2020.  Even with the optimistic scheduled of vaccine roll outs, it may take some time to get businesses to the now normal.   Join us as Dave shares his predictions and disruptions for 2021 and what you should do.