by Jeffery A. Keill CFP, CIM, FMA,FCSI Here I sit scribbling out gift ideas for people in my family, office, and all the others that I intend to surprise with some notion of endearment and friendship. I have three weeks to go! I am ahead of it this year! Everyone’s gift will be amazing. No more novelty mugs this time! Have you been in my shoes before? Christmas. Seems to be a magical time of year for many because their bank account magically disappears. Why? Why do we keep do