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Editor’s Note: The Tycoon Report will not be published Thursday, Dec. 24 or Friday, Dec. 25 so that our staff can enjoy the long weekend with their families. We will resume publication on Monday, Dec. 28. Have a safe and joyous holiday, and we’ll see y…

When I do budgets with my clients, I’m frequently shocked at the annual outlay for gifts. After housing and food, gifting is one of the larger annual expenses for individuals in terms of percentage of income dedicated to it. For one of my clients who…