The holiday harangues are here. The Holidaze Craze has begun.

Catalogs filled with more stuff than sense have been overloading the postal service for months already.

At your house I suspect it would be a full time job simply to look through all the slick advertisements that arrive on a daily basis. Retailers put out their Christmas decorations the day after Halloween. The frantic Friday-after-Thanksgiving sale day has become a late shoppers event. Midnight madness now refers, not to burning the midnight oil to get some project finished, but to the shopping done from 12am to 6am the day after Thanksgiving. Of course, the shopping networks have been hawking Christmas since the Fourth of July.

Maybe you've heard the new Christmas Carol called "OH, LITTLE BANK AMERICARD," sung to the tune o…