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In football, the "fourth quarter" is it. Time is running out. There are only a few opportunities left. 

If you're ahead, there is a feeling of anticipation of the win. Yet, there is also a feeling of holding the line. The defense has to work hard to preserve and expand your lead.  There may be just enough time to accomplish it all.  Or not.

If you're behind, there is a sense of urgency to pull ahead, to make that play that will turn the tides in your favor.  here is still hope...if even against all odds.

It's October!!  We're in the "fourth quarter" of 2021. Time is running out. There are only a few weeks left to accomplish all you intended to accomplish in 2021. Can you make it?

What about 2022? It's time to start setting those goals...and what will they be?

In golf, my husband wants to hit 200 yards on his drive before winter sets in. In his yard, he wants his grass to grow before it's too late for this year. 

For me, I want to double the size of my...