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  When you are shopping for holiday gifts, timing is very important. If you’re like a lot of people, you wait until the last minute to do your holiday shopping, which as you’ll find out, is not very good idea. This may pose a number of shopping headaches. First off, all of the other last …

  Get the turkey; check the Black Friday ads; make the Christmas card list; start shopping; put up the decorations; attend school concerts; make cookies; make fudge; make school party goody bags; get a gift to pass; send out the cards; pick out the tree; replace the bulbs; hang the outside lights; go to the …