HAPPY NEW YEAR!!

It is official! 2008 is history! 2009 is the present!

Let's look at that word...present. Present is synonymous with gift. We all know what a gift is...we just finished the biggest gift giving season of the year. Between Hanukkah and Christmas billions of dollars were spent.

But I am not talking about that sort of present. I am referring to the gift of time. Time is our most precious commodity. Once we spent time we can never get it back. If you lose money you we can earn more. If you lose a possession you can get another one. Ever lose anything? a wallet, cell phone? You went out and bought another one (of course after calling your credit card companies, DMV, etc in the case of a wallet) But we only have a finite amount of time.

How do you use your spare time? I don't have any spare time, you say? Oh, really? How much time do you "spend" surfing the net, playing video games, or the biggest robber of all time...TV? They call it "programming for a reason." What if you turned off the TV this year and read a book? I can share a list of books that could at the very least getting you thinking...on that more later.

Please take some time to reflect on the last year. What would you like to change about yourself, your life, your finances in 2009?

In the meantime, I hope you are having a great New Year's day.