As the holiday's are upon us, it is time to remember the one's who are in need. The one's that are losing their homes, the one's who have lost their jobs and their retirement savings, the one's who have friends and family in the military that will not be with them during the holidays. The one's who have a sick friend or family member.

Through this economic downturn, I have really come to realize and appreciate what is important in life. It's not the big house with all the "stuff". It's not the fancy car with the big car payment that goes along with it.

My most important thing in the world is my family. I know that whether times are good or not so good that my beautiful wife and twin boys will always be there.

Even though times are stressful for many and many friends and family of mine are struggling, my eyes have been opened up to what the holiday's should "look" like.

There may not be as many gifts under the tree this year. My phone may not be ringing off the hook as it has when the real estate market was booming.

That's OK. I will still wake up on Christmas morning next to my wife, my boys will still hop in bed with us in their fuzzy pajamas, and we will all go downstairs together to have what may be the first "real" Christmas we have ever had.

Remember, even though life may seem stressful and hectic for many right now, it will get better. We may all learn a few new things about life as we travel down this path together.

Wishing you and your families a safe and happy holiday season.