School and the new year

The "Season" of holidays has passed and we are into the new year! 2013... weird.
We started school on Wednesday and math is killing me! O well I'll graduate soon. Have you ever heard of the Moral Hazard? Too me, it is a fascinating problem that government cant seem to overcome. I learned about it today in economics. It is the problem when one party to a contract passes the cost of its behavior on to the other party to the contract. Insurance pays for my dentist visits, why not get my teeth cleaned 6 times a year? The household has no incentive to behave any different. If the landlord comes once a month to repair the apartment, why not Punch a hole in the wall every time I get mad? The solution? You tell me. I guess the best we can do is have the landlord retain the security deposit... Whatever, I'll never be the president. :)

Do you have any new years resolutions? And here is an even harder question: Do you remember LAST years resolutions?

I have some and here are a few of them:
1- Read thru the New Testament
2- Get my black belt in TKD
3- Keep a better financial record
4- Finish high school science
5- Continue posting on my blog

Let me hear yours!