Happy New Year Everyone!! WOW! 2022 sure went fast, didn’t it??  I hope that 2023 is THE best year EVER for all of us! Personally, I am thankful that 2022 is OVER!! So many things that could go wrong, DID!! The kind of serious stuff that makes you double check that your term life insurance policies are up to date.  The Husband had a horrible MS related summer. Then we both had Covid. Then the whole ladder/tumble/fall incident. Then the good ole John Deere Tractor was stuck in a ditch at the end of the driveaway. NOT good when it’s REALLY needed to clear the roads and dig out neighbors.…