Happy Holidays

‘Tis the season for some to take offense when a store clerk says “happy holidays” instead of “merry Christmas,” or when a coffee chain converts to plain red cups for the holiday. The “war on Christmas” trope seems to surface with Black Friday sales, but who is actually at war? It is easy to imagine saying “merry Christmas” as another cudgel in the culture wars between Christians and the irreligious. The actual story, however, is much more nuanced. Public Religion Research Institute asked a nationally representative sample of Americans whether retailers should greet their customers with “happy holidays” or “season’s greetings” — rather than […]

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Merry Christmas

​Christmas or Christmas Day (Old English: Crīstesmæsse, meaning “Christ’s Mass”) is an annual festival commemorating the birth of Jesus Christ,[7][8] observed most commonly on December 25[4][9][10] as a religious and cultural celebration among billions of people around the world.[2][11][12] A feast central to the Christian liturgical year, it is prepared for by the season ofAdvent or the Nativity Fast&nb […] Continue reading Merry Christmas

Federal Interest Rate Rise vs. Structured Settlements

Structured settlements are annuities.  Annuities grow faster when interest rates are higher.  There are “fixed” and “variable” annuity rates.  If you were issued a “fixed” annuity, this means there was a stated interest rate at purchase, and it’s guaranteed to stay at the same rate. This type of annuity will not be so affected by the rise in the Federal Interest Rate. If you were issued a “variable” annuity at purchase, this means the terms can change.   In oth […] Continue reading Federal Interest Rate Rise vs. Structured Settlements