Yep, The party’s over.

I hope it was worth it bcause there are bills to pay!

And there is an uncertain future.

But, you CAN take charge of your situation!

Make a list of your January payments and the total amount owed on each obligation.

How much cash is available today and will be coming this month?

If you won’t have sufficient cash for all obligations, can any be postponed w/o affecting your credit report?

Some obligations may have a large payment, but a small balance due.

Perhaps that balance due should be paid off.

Maybe you should take out a loan to consolidate two large payments into one lower payment.

I’m offering some thought starters that, hopefully, may be helpful.

The look on her face is what I want for you this year!

PEACE!

AND may you receive LOVE and KINDNESS!

Tom

Mailboxes have been removed from all around Denmark. 

Beside the railroad tracks of Copenhagen’s stands a red-brick building with an ornate façade and a copper-clad cupola still turning green over time.

When it opened in 1912 as the Central Post Building, its grandeur echoed the booming postal and telegraph services that crisscrossed Denmark.

A little over a century later and that building, now a luxury hotel, presides over a city, and a country, where the postal service no longer delivers letters. (CNN)

WOW! Times are changing!

A core value is a fundamental belief that YOU WILL NOT COMPROMISE!

Another way to say it is, “If you don’t stand for something, you’ll fall for anything.”

If you don’t have at least one core value, you don’t have a compass to guide you.

And you might flounder when making important decisions.

One of my core values is I can’t, I won’t lie.

How about you?

What are your core values?

I consulted an AI overview which gave the following facts:

The biggest category is ECONOMIC CONCERNS including

INFLATION, HEALTHCARE COSTS, NATIONAL DEBT and INCOME INEQUALITY.

The next category is POLITICAL DIVISIONS including CHALLENGES TO DEMOCRACY

anvd GOVERNMENT CORRUPTION.

Other issues are PUBLIC HEALTH, CLIMATE CHANGE, AGING INFRASTRUCTURE, CYBER SECURITY,

and SOCIAL INEQUALITY.

Qute a list!

Next year may mark a turning point for the US housing market.

High borrowing costs and soaring prices have locked many Americans out of homeownership.

However, economists say conditions may begin to shift in 2026.

Next year, economists are optimistic about the housing market.

Many anticipate that RISING INCOMES MAY START TO OUTPACE HOME PRICES, making homes more affordable for many Americans. (CNN)

Hooray! Some good news for a change!

Anyone with children – or perhaps a kidult themselves – knows what a Squishmallow is.

It is a resemblance of Warren Buffett and sells for up to $450.

The egg-shaped plushies took the toy world by storm and is also part of Berkshire Hathaway’s portfolio.

It joined through an indirect line of corporate takeovers, after Berkshire Hathaway acquired Alleghany in 2022, the parent company of Squishmallow-maker Jazwares.

His wisdom will be missed on the world stage.

These are Ukrainian children singing its national anthem!

Thousands of these children have lost fathers and brothers in this terrible war.

When the Russian soldiers capture a town, they take the children.

The children are then trained to fight for Russia.

Pray for the children!

Pray for Ukraine!

I wish you a Merry Christmas and hope you will have a soul mate soon!

Your kids need you now, more than ever.

Some recent graduates are looking for non-existent jobs.

They are bewildered and depressed.

You see it in their faces.

The young people in your family need someone to turn to.

And that someone is YOU!

The very best step you can take is to LISTEN!

They are living in a completely different world than the one you grew up in.

You don’t have all the answers, but you can become a very attentive listener.

if not today, when?