There are but hours left in 2013, which a full two thirds of Americans described as the "worst year ever." Actually, I'm not sure of that exact number, but I was among the ones that did. Thanks, Obamacare! Anyway, lest you think you're leaving all of the bad stuff behind while you're celebrating the end of the year with stuffed lobster, champagne and terrible decisions, the government has already started in on making your life miserable in 2014. And ready or not, as of midnight, here it comes. 1. The Obamacare Insurance Tax