December 17, 2024- On the now-shuttered television police procedural, “Blue Bloods”, the lead character, Police Commissioner Frank Reagan (Tom Selleck, Magnum, P.I.), would frequently acknowledge the situation he faced-with friend and foe alike, using the simple phrase “and here we are.” He then went on to find some sort of solution to even the stickiest of issues, mostly by the end of an episode.

December brings that phrase to mind, quite often. Here we are-in the cold, the dark, the period of least light, and in many years, the worst month for those with investments-as it is the month for “house cleaning”, divesting of funds that have run their course, before figuring out the final tax bill for the calendar year. Here we are also, in days of conviviality and gift giving; in days of group celebrations: Christmas, Chanukah and Kwanzaa. (Chanukah’s first day falls on Christmas Day, this year.)

So, we are, as is often the case, faced with a choice. The challenges won’t go away, so we can face them in the days to come. Celebrations, if passed over, will go away. To me, it’s better to enjoy the merriment, and restore positive energy, then face the cold, the dark and any financial woes, in a renewed state of emotional strength.

It is always advisable to recognize a problem, while forming a game plan with a solution which will have a good chance of making the situation better.