What are you wishing for this Christmas?  Sure, sure world peace, cure for cancer etc.  But, personally, what would make your life better, right now?  We think slowing down and taking time to enjoy Christmas, all year long, would be a really good gift.  The old expression that "time is money" truly shows its value.  Most of us would rather donate money than time to most causes.  I (Jan) know that my Mom likes it when I give her "gift certificates" of my time for cleaning out closets or whatever chore she has on her list.  Oops, as she gets this newsletter I guess this year's gift will not be a surprise.