Christmas is nearly always a time to get loved ones together and reflect on the past year and remember the true values of Christmas. More than anything it is a time to put all the hurt and sad times out of our lives for one day. As we sat around opening our presents and watching the smiles on our daugters face my computer was busy recieving e-mails. When I eventually got to read them it was with great sadness that I read of the death on Christmas eve of the son of one of our Church family. This was a poingant reminder that we should also be thinking of those who are not so fortunate as ourselves.

Graham Holmes - REO Bank Owned Asset Specialist

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