As we begin the month of February, there are big changes occurring. We all know that this is an election year. The dance is on for influencing the public mind. Candidates are highly visible and working hard to put on a good face and speak in a way that sways voters....

Looking toward 2008, we can expect the most noticeable change to show in how we become more practical and reserved in our spending and more cautious and skeptical in our planning. We are coming out of a period that has been very fiery, adventurous, free-spirited, and...