In 1964 the Beatles song, “All You Need Is Love,” became a big hit. As a teenager at that time, I thought, “Yes!”, and I would’ve loved to have gotten a car and a girlfriend. I got the car, which is one of those things where the lesson was you should be careful what you ask for as I got into a lot of trouble (another story for another time). As I said, I got the car, but I didn’t get a girlfriend, which left me a bit jaded about love. Now as an older adult, I personally like to have some money, a car (with which I avoid getting into trouble with), a place to rest my head at night, and meaningful work. For these things I’m grateful. And I’m lucky as I have much love in my life: my wife, my kids (who are now adults), grandchildren, my dogs, my work Team Ladies, and my friends. If I had no money, car, or house, I would prefer to think that yes, I would still love my wife, kids, grandchildren, and friends. I have to admit I would probably love anyone who would help me get money, a car, a house, a bed – oops! didn’t mean for me to admit that, but it’s true that these things are nice to have. So, I believe John and Paul were right when they wrote “All You Need is Love.” If any of you might not receive a Valentine’s Day card please consider this article, this newsletter as a love note to you. It’s from me as a stand-in grandfather – dad – uncle – older brother – friend. All you need is love, love, love is all you need, love is all you need. Paul