As 2009 comes to a close, I think we are all anxiously awaiting the arrival of the New Year and what it has to offer.  Whether you chose to celebrate the evening out on the town with friends and family or quietly at home, I hope you will be ringing in 2010 with a bang!  

With an increasing GDP, an improvement in the residential real estate market, declining job losses, a rising stock market, and strengthened credit markets with lenders eager to loan, we are positioned for a strong year ahead.  We should all be excited about the growing economy and the opportunities it will afford everyone.     

In thinking about resolutions for 2010, I hope that each of you considers including generosity, charity, service, and community involvement in your plans as our country begins to recover.  With a light heart, a positive attitude, a strong work ethic, and a willingness to help others, 2010 should be a prosperous year for all of us.  

I wish everyone good luck, good health, and wealth for the New Year!