In entering February 2021, we begin the year of the Ox, starting from February 12th, 2021 (Chinese New Years Day) and lasting until January 31st, 2022. Some have dubbed 2021 as the ‘year of change’, but on this New Lunar Date, the year of the Ox symbolises diligence, persistence and honesty. The Ox sign's recent zodiac years are 1985, 1997, 2009 and now 2021, with the lunar calendar running in twelve-year cycles.

Looking back at the last time we were graced with this zodiac year, in 2009, we remember significant and poignant events. Events, such as the swearing in of the 44th President of the United States, in the form of Barack Obama (with Joe Biden assuming the role of Vice President), the impact of the Great Recession and H1N1 flu being declared a global pandemic in over 208 countries, to note but just a few.

We do not mean to bring attention to some of these unfortunate events for any other reason than to reflect upon the profound change and journey we have been on globally since 2009. These events remind us that no matter how significant the challenges are that we face, such as those met in 2020 and those that continue to further impact us in 2021, there is a road ahead and peace, change and balance, often can be restored.

Bringing relevance, we like to nod to such cultural events and hope that the Chinese symbolisms and characteristics attached to 2021 ring somewhat true. When looking ahead and forecasting what this year of change may bring, strength, caution, and a dynamic attitude will undoubtedly be required as we continue to ride with the turbulent and ever-changing landscapes, both financially, politically and in our personal lives around the globe.

For us at InterBay Asset Finance, our vision is to be a lender that unlocks businesses' potential. Furthermore, as we go through these turbulent times, businesses need our support more than ever. Our team remains committed and will continue to offer the highest levels of customer service throughout this long winter, as we hope to see some balance restored later this year.