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Increasing evidence suggests that rich stimulation early in life affects the intellectual development of children. Children need as much encouragement as possible to try new tasks. They also need to learn from doing. Only in this way can they come to know about their surroundings and how they will be personally affected by them.

Being broke is a condition that many people are faced with this time of year. The Holidays are jam packed with food, family, friends, and frustrations. We desire to be, have, and buy all that will make our loved ones and ourselves happy, but we are usually long on want lists and short on cash. It is easy to fall prey to the seduction of buying on unlimited credit and having to face the unrelenting bills long after the momentary joy is gone.