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Four score and seven years ago our fathers brought forth on this continent, a new nation, conceived in Liberty, and dedicated to the proposition that all men are created equal.

Now we are engaged in a great civil war, testing whether that nation, or any nation so conceived and so dedicated, can long endure. We are met on a great battle-field of that war. We have come to dedicate a portion of that field, as a final resting place for those who here gave their lives that that nation might live. It is altogether fitting and proper that we should do this.

But, in a larger sense, we can not dedicate -- we can not consecrate -- we can not hallow -- this ground. The brave men, living and dead, who struggled here, have consecrated it, far above our poor power to add or detract. The world will little note, nor long remember what we say here, but it can never forget what they did here. It is for us the living, rather, to be dedicated here to the unfinished work which they who fought here have thus far so nobly advanced. It is rather for us to be here dedicated to the great task remaining before us -- that from these honored dead we take increased devotion to that cause for which they gave the last full measure of devotion -- that we here highly resolve that these dead shall not have died in vain -- that this nation, under God, shall have a new birth of freedom -- and that government of the people, by the people, for the people, shall not perish from the earth.

Abraham Lincoln
November 19, 1863

1.  Postpone Retirement

-  By working 1-2 years or more beyond retirement age, you can earn additional money and ultimately earn a larger retirement income 

-  Pay off your mortgage, home equity loans, credit cards, and other expenses, also fund an emergency account, and save for the future

2.  Develop a Budget

-  Determine your monthly and annual income and create a budget that allows yo to live within your financial means

3.  Maintain Control of Expenses

-  Pay your fixed expenses on time (mortgage, rent, utilities, etc.,) avoid impulse spending, allow for some fun as well

4.  Maximize your Income

-  Take a part-time job to supplement your income, check with the Social Security Administration to insure your are receiving what is rightfully yours

5.  Guard your Health

-  Stay as healthy as possible, quit smoking, commit to a reduced-fat diet; medical expenses can claim a disproportionate percentage of your income

6.  Become a Wise Shopper

-  Take advantage of sales and specials everywhere you shop, however, only buy what you need and avoid impulse spending here

7.  Carefully Maintain and Drive your current Vehicle a few more Years

-  Trading every few years can cost you thousands, find a reliable used car and consolidate your daily/weekly errands and many trips into one trip

8.  Discover the Joy of Helping Others

-  Get up off the couch and out of the house, helping other people can be a great source of happiness and joy to you as well as a blessing to them

9.  Learn to be Content with what you have

-  Remember, you don't have to have it all, everyone can learn to get along with a little less

10.  Fall in Love with Jesus and Develop a Close Personal Relationship with Him

-  Depending upon the Lord to guide you and meet your needs is a wonderful experience that results in many blessings from God

Luke 2

New International Version (NIV)

The Birth of Jesus

2 In those days Caesar Augustus issued a decree that a census should be taken of the entire Roman world. 2 (This was the first census that took place while[a] Quirinius was governor of Syria.) 3 And everyone went to their own town to register.

4 So Joseph also went up from the town of Nazareth in Galilee to Judea, to Bethlehem the town of David, because he belonged to the house and line of David. 5 He went there to register with Mary, who was pledged to be married to him and was expecting a child. 6 While they were there, the time came for the baby to be born, 7 and she gave birth to her firstborn, a son. She wrapped him in cloths and placed him in a manger, because there was no guest room available for them.

8 And there were shepherds living out in the fields nearby, keeping watch over their flocks at night. 9 An angel of the Lord appeared to them, and the glory of the Lord shone around them, and they were terrified. 10 But the angel said to them, “Do not be afraid. I bring you good news that will cause great joy for all the people. 11 Today in the town of David a Savior has been born to you; he is the Messiah, the Lord. 12 This will be a sign to you: You will find a baby wrapped in cloths and lying in a manger.”

13 Suddenly a great company of the heavenly host appeared with the angel, praising God and saying,

14 

“Glory to God in the highest heaven,
    and on earth peace to those on whom his favor rests.”

15 When the angels had left them and gone into heaven, the shepherds said to one another, “Let’s go to Bethlehem and see this thing that has happened, which the Lord has told us about.”

16 So they hurried off and found Mary and Joseph, and the baby, who was lying in the manger. 17 When they had seen him, they spread the word concerning what had been told them about this child, 18 and all who heard it were amazed at what the shepherds said to them. 19 But Mary treasured up all these things and pondered them in her heart. 20 The shepherds returned, glorifying and praising God for all the things they had heard and seen, which were just as they had been told.

21 On the eighth day, when it was time to circumcise the child, he was named Jesus, the name the angel had given him before he was conceived.

Isaiah 9

New International Version (NIV)

2 

The people walking in darkness
    have seen a great light;
on those living in the land of deep darkness
    a light has dawned.

3 

You have enlarged the nation
    and increased their joy;
they rejoice before you
    as people rejoice at the harvest,
as warriors rejoice
    when dividing the plunder.

4 

For as in the day of Midian’s defeat,
    you have shattered
the yoke that burdens them,
    the bar across their shoulders,
    the rod of their oppressor.

5 

Every warrior’s boot used in battle
    and every garment rolled in blood
will be destined for burning,
    will be fuel for the fire.

6 

For to us a child is born,
    to us a son is given,
    and the government will be on his shoulders.
And he will be called
    Wonderful Counselor, Mighty God,
    Everlasting Father, Prince of Peace.

7 

Of the greatness of his government and peace
    there will be no end.
He will reign on David’s throne
    and over his kingdom,
establishing and upholding it
    with justice and righteousness
    from that time on and forever.
The zeal of the Lord Almighty
    will accomplish this.