Download | Duration: 00:43:24

Today is the first day of the year 2012. In one sense, it's just another day. In another sense, it is the beginning of a brand new year. Some of us find it helpful to take a look back, a look at the present, and a look forward. It is a time of reflection, reassessment, and realignment. The holidays are over and we will begin that new diet...tomorrow, of course. We're going to be more frugal with our time and our finances. We're going to spend more time with the people we love. It's going to be a good year. We're ready. Now, if we can just figure out that first step...

Download Program Notes