• (continued from last week) - As with any investment, be sure to exercise due diligence.

• The following was clipped by a faithful reader some time back and sent in for consideration, just in time for the holiday season:

“This Christmas, mend a quarrel. Seek out a forgotten friend. Dismiss suspicion, and replace it with trust. Write a love letter. Share some treasure. Give a soft answer. Encourage youth. Manifest your loyalty in word and deed. Keep a promise. Find the time. Forego a grudge. Forgive an enemy. Listen. Apologize if you are wrong. Try to understand. Flout envy. Examine your demands on others. Think first of someone else. Appreciate. Be kind, be gentle. Laugh a little. Laugh a lot more. Deserve confidence. Take up arms against malice. Decry complacency. Express your gratitude. Go to church. Welcome a stranger. Gladden the heart of a child. Take pleasure in the beauty and wonder of the earth. Speak your love. Speak it again. Speak it still once again. Make this Christmas Merry.”

by Michael G. Kearns