The meltdown in the economy and the crisis in confidence couldn t have come at a worse time. Have you been feeling stretched by the financial pressure? If you re facing tough buying decisions, the responsibilities of the holiday season may even be getting you down. These are challenging times. This year, in more ways than one, you just have to let go of the idea of a perfect Christmas, Hanukah or Kwanzaa.Even though it s important to honor the tradition of giving, the accumulation of material things can t hold a candle to the gift that matters most. Bringing cheer to others is a great way to cheer [more]

















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