First, thanksgiving for the way the Lord has guided and kept me and my wife and family throughout the year 2020. Thanksgiving for what I believe was a happy death for my wife early in August this year past. For grace given me to bear the bereavement and continue serving the family.

Looking forward to 2021, I beg the Lord to guide me in all matters, but particularly the area of finances, in which area I’ve been a “spendthrift” much of my life. In my dealings with my youngest brother, who’s been designated by my now deceased parents as the trustee of the inheritance they graciously left me. May this New Year be a year of adjustments that please God in every way. Lord hear our prayer!