It’s the time of year when we all pause to count our blessings, and this issue of SmartTips is all about finding fulfillment in our personal and professional lives. Our team shares a reflection on gratitude and its healthful benefits, and we offer a lifestyle feature presenting the Danish spin on contentment, known as “hygge.” Tease your brain with November trivia and sink your teeth into our main story about the outlook for starting a small business in the coming year. Enjoy, and thank you for spending time with us.