Here we are, at sort of the end of the beginning of the spending orgy that starts the annual accumulation of debt in honor of the birth of Jesus. While the season should involve debt, it’s not the kind that can be redeemed by money and not the kind owed to the credit card company.
True, it’s a little late to be talking about Christmas shopping, but throughout the year we need to give gifts from time to time, often to young people, so I don’t think it’s a waste of time to discuss presents a little even at this late date.