It's 2014 and time to look forward.
The purpose of this story is to provide a place where readers can prognosticate; what do you think will happen to our economy in 2014 ?
More specifically, where will interest rates go in 2014 - and why ?
This is also a place were you can give us your views of what will happen to property prices in the coming year.
And, of course, its election year.
Thank you GBH for the idea.
But before we get into 2014, here are our top stories of 2013.
We are very lucky to have a talented team of experienced journalists, contributors, and analysts.
We have had a big year. We published 3,700 stories plus countless other resources (charts, tables, calculators, database entries, curations, the list goes on ... )
You read 9.3 million pages of content in 2013. And there were about 1.2 million of you who visited (although maybe a few less - we count 'unique ip addresses' in the year and many more of us are now using multiple devices). However many of you there were, you came to visit 4 million times and stayed an average of 3 minutes 20 seconds.
Our videos were viewed 120,000 times and you spend a remarkable 6,800 hours watching our content.
My personal view is that 2014 will be a year when New Zealand interest rates break higher. But I don't know any more than you and I am interested in what you think.
Here are the top ten stories we published in 2013.
#1 - Bernard Hickey's fixed-or-floating review. (This story was read 25,000 times.)
#2 - Olly Newland's view of how to deal with the LVR restrictions.
#3 - The competitive nature of our mortgage market.
#4 - Tony Alexander on where he thinks mortgage rates are going.
#5 - Bernard Hickey on what the RBNZ rate signals mean. (This story was read more than 6,000 times.)
#6 - Tony Alexander warning of significant mortgage rate rises.
#7 - Another story about home loan rate reductions and the competitive nature of our mortgage market.
#8 - Westpac economists warning that house prices may fall.
#9 - A savvy mortgage broker seeing unrealistic sellers in the Auckland housing market.
#10 - John Bolton on how demand and perceptions are changing in Auckland suburbs. (This story was read 5,000 times.)
You read a lot of stories, but these volumes pale in comparison to the number of times you used our databases.
For example, our mortgage rate database was read more than 580,000 times; our TD database pages more than 350,000 times.
Our Currencies section was accessed more than 200,000 times, our Bonds section more than 270,000 times - and that is about the same as our KiwiSaver section.
Our Rural section was read 500,000 times.
Our calculators were used more than 300,000 times.
And thank you for the 40,000+ comments in 2013.
We loved every minute of 2013 - and it helped that the overall New Zealand economy strengthened as the year progressed and ends in pretty good shape compared with the past few years.
Now want to hear what you think 2014 will bring.