This Needs To Be Said

This week's Life Challenge with Don Mills is about 'Ministry' in other words  'How you serve'.. We are the stewards of our families and friends and the greater society. We are challenged to lift each other up with celebrations, to recognize our mentors, and to become grounded spiritually so we can help others live fuller and more satisfying lives. Now, it is time to recognize our MINISTRY. Life Challengers, share your testimony so that others will understand the benefits. What is it that you do that you are passionate about? What do you stand for and how have you tried to make a positive difference? What are you known for? THE ONE-PAGE FINANCIAL PLAN helps demystify the planning process so readers can figure out where they stand on key financial issues and where they want to go, in order to narrow the gap between the two.Carl Richards is a certified financial planner and a columnist for the New York Times, where he has a weekly “Sketch Guy” column. He is also a columnist for Morningstar Magazine and a contr