I know this is February and we all think about red hearts, chocolate candy and lots of roses, so I thought I would stick with the theme and share a miracle "heart" story with you!  I met a young man who was new to the insurance business back about 3 years ago and we became quick friends.

Although 2008 was plagued with tons of negativity, we as a team found many things to be proud of.  We know our positive outlook and upbeat attitudes got us through the tough year and want to thank all of you for your words of encouragement and your support last year!

Can you believe it is officially here!  I hope this letter from my heart finds you in the Christmas spirit and preparing for the giving season!  This is my favorite time of the year.  When it was time for me to sit down and write this letter I wanted it to be something that will make an impact on many lives and also convince us that there are many great people around us!

When was the last time someone asked you to change?  Whether it was your routine, or your schedule or your plans!  Most of the time, change is not planned or foreseen, it just happens and you must adjust!  I know in my business it changes by the minute.