Holiday gifts: It´s not about you - it´s about the receiver
(World News USA)

Making gift-giving enjoyable should be meaningful not only for the receiver but for the giver. Here are five important points to remember as you plan for this season, and it begins and ends with you. Budget your gift-giving. Although elementary, many don´t plan ahead for this. And, there are those of us who budget for the family, select friends, and work but forget to plan for unexpected situations. Make a preliminary gift list. Hopefully, you set aside the funds in a separate account for this. If you don’t, check your current resources and act within those parameters so you don’t start the new year...