Better hurry....................

Are you still procrastinating about what to get your loved ones for Christmas? Today's the last day! Can I offer some sage advice? The best gift to get them is something that they would love to get themselves, but never do because it's a splurge item. People resist on buying splurge items because it's not a sensible purchase - even though it's something they really want. That's your cue. They'll love it coming from you because it wasn't their money. Or maybe it was, but they forgot it was really their money - whatever. The point is, buy the splurge items. You can't go wrong. Usually.

Advice is accurate to 90% in 13 out of 15 cases. Void where prohibited by law.