The cracks in the U.S. economy are starting to slowly show. We can’t have a government/Fed-induced recovery, as it will not be long-term, but only temporary in nature.

Christmas is one of everybodys favourite times of year, but it can also be one of the most expensive. Most people want it to be a special and happy time, and are willing to pay for the little luxuries that make Christmas what it is, but th