This is the time of year most of us take stock of things and reflect. What sort of a year have I had at work? Did I achieve the goals I set for the year? How many of my new year's resolutions have I stuck to? Have I reduced my handicap this year? I am sure these are all familiar thoughts for you at this time of year.

Some say at Christmas time it's all about giving gifts, but quite frankly I really enjoy receiving them at Christmas time.