Granted, times have been dicey over the past couple of years. Businesses have failed, and families have lost homes. Companies have furloughed thousands of employees, and the cost of living keeps escalating. The price of everything has spiraled up and up with no end in sight; and on top of that, the government wants more of your money because it can't figure out how to stop spending it like a drunken sailor on holiday.

To borrow a line from Thomas Paine, "These are the times that try men's souls."

Dr. Robert Schuller, pastor and author, wrote a book some years ago with a great title: "Tough Times Never Last, But Tough People Do." According to Dr. Norman Vincent Peale who commented on its publication, "..an excellent, upbeat book, one that inspires and motivates the reader to a more creative lifestyle…"