The holiday season is upon us…

It’s September, and many people are already planning their holiday gift giving. Every year is starts earlier. Businesses are putting out their Halloween gifts sooner and even before October 31st, big retailers like Wal-Mart already have Christmas stuff in their stores. It’s really the retailers who set the season. They try to outdo one another. But regardless of how early it starts, there’s almost that large percentage of gift givers who wait until the last minute. It’s their right of passage.

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