L'Shana Tovah (a Good New Year) to everyone. Fall represents a new beginning of many cycles: the new academic calendar (Back to School), renewed investment activity (Wall Street's Post Labor Day trading season) and autumn.
So Happy Rosh Hashana, which literally means "Head" of "The Year!" May we all begin a new cycle with fewer debts, more capital and real happiness.
"Who is rich? He who is happy with his lot." --Ethics of our Fathers (Chapter 4:verse 1)