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And We’re Off!

Like it or not this week begins the Christmas shopping season, with Thanksgiving overshadowed by ads for Black Friday and Cyber Monday.  Before you get caught up in the sense of urgency to buy, and suffer from financial regret afterwards, take a few steps to keep your...

Pleasure Today, Pain Tomorrow

Watch this 30-second clip (transcribed below). “I never get enough sleep.  I stay up late at night because I’m Night Guy.  Night Guy wants to stay up late.  What about getting up after 5 hours’ sleep?  Oh, that’s Morning Guy’s problem.  That’s not my problem; I’m...