Do you have a philosophy for dealing with hard times, adverse circumstances, stressful situations? All of us face these things in our lives. But I'm afraid most people just wait until hard things proverbially smack us right upside the face before we have a plan. We are in the midst of a "pandemic." The word itself sounds scary, and I talk to many people who just don't know what to believe. Just how bad is it? How horrible is it going to become? No human knows for sure. There are so many differing opinions.   So, what in the world are we going to do about it? Some people will [...]