It is that time of year here in New England where the sun is brighter, the air is crisp and clear. There is a chill that warns of even colder days to come. This is the time when skiers begin to wish for snow in the mountains of Maine, New Hampshire and Vermont. Downhill, cross country or even a snowshoe - warm yourself by a fire at the end of the day with a cup of hot mulled cider. You can almost taste it. A cozy inn up in the mountains of New England, this is Norman Rockwell time.

Back here on earth we have been treated to a warm fall season and there are signs that the economy may exist once again. The unemployment rate is still high but jobs are coming back ever so slowly which is at least a start in the right direction. Mortgage rates have been holding steady for some time now at low levels and those that can take advantage will hopefully spend some of that monthly savings to advance the economy even more. Consumer spending drives the bulk of the economy in the US.

All in all we may be feeling a bit better, or perhaps just a bit relieved, as we head towards 2012 – can you believe it. Let’s go!

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