Happy Christmas Eve, all! While a large percentage of the country is scurrying around to finish their Christmas shopping, Santa delivered a miracle this year and gave me the motivation to finish early.  I suppose there’s a first time for everything. Now that I have some time on my hands,

Call me unAmerican, but I’m tired of handing over my hard-earned cash to the government so it can make my financial decisions. As a new small-business owner, this is the first year since I started working way back in the mid- to late-1990s that I haven’t received some kind of