Since Thanksgiving, the shopping malls have been telling us that "It's the most wonderful time of the year." And it is - for them. For many others, however, it is a mixed bag. Christmas isn't what it was when I was a child and never will be again. I'm an adult; it's different; it just is. In this economically difficult time, many have lost jobs or seen their investments and securities dwindle unsure of what the future holds.

Perhaps we have not been able to do what we might have liked to have done for Christmas. Many…