We wish you, all, happy holidays and prosperous new year! This is the time of year when we meet and greet and try to look forward with positive spirit. Remember everyone for their respective strength and thank God for blessing the opportunity of being in the company of those we cherish!

New year resolutions come and go but in bad economy the resolve has to be stronger! We need determination to help oneself and at least one more person in developing new skills. New skills are not necessarily new degree course but a new skill that prospective employers expect. This becomes more relevant because jobs have become more demanding. Continued learning is one way to assure oneself that employment would be a manageable challenge.

We have to make this great country of ours even greater and we all can contribute in our individual way. One of the pledges that we can assume is to save at least 5% of our monthly earning and not to spend that! It is very subtle but this much effort or say sacrifice and putting that money in investment will make this country become competitive, again. Whether you have Orange account or a credit union, all of that would make the difference.

Healthy living has been a challenge because of the attractive foods and the same time we complain about higher cost of medical insurance. Eating healthy for better living would eventually help in lowering the medical insurance. Each and everyone has to undertake this for himself and eventually it will improve the health and health care costs!!

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