It's Christmas time again, and I have to say, I love this time of year... once it starts. At all other times of the year, when I think of the Christmas season, I anticipate it with dread. The manic people everywhere, the lack of money that seems to manifest every year, the feeling that it's all about money, money, money... I DON'T love that part. I had a conversation with my son this morning about giftgiving. He's a college student and doesn't have much money to spend and it'