I am always in a reflective mood, but much more so at the beginning of a New Year. The year 2022 stands before us, and even though it will pass quickly (especially for those senior members of life like me!), there is still much time to make changes and improvements, and to foster better habits. Now is the time for those of you who choose to improve your finances, personal health, internal growth and maturity to get busy!

With loved ones and friends passing away in increasing numbers each and every year, or so it seems, I am going to choose to get busy! This is not merely a New Year’s Resolution, but a profound commitment to change what I can, and pray that what is beyond my control can be changed.

There will be multiple failures, disappointments and some surprises for sure, but that is where Faith comes in. Your faith can be religious (mine certainly is!) or belief in one’s self, reference to past occurrences, belief in statistical probabilities or whatever else assists all of us through the hard times. With regard to failures, I can honestly say after quite a few years on earth, that I have learned more from being in the proverbial ditch, as opposed to when I have been on the mountain top!

Here is to the best 2022 for all of you. Take the time to smell the roses for sure, but if you choose to do so, then commit yourself to positive changes for you, your loved ones and all people around the world!