One just has to look around, or even read the daily headlines, to realize that we live in challenging economic times. It really is of small consolation that we are not alone. Many countries in Europe are virtually in a shambles, with their economies wracked with high personal and public debt, slow economic growth, and in [...]

From January onward, you can behold the notice all over the place: TV, radio, Internet, newspapers, billboards, flyers and almost everywhere. These advertising spread out everywhere and continue until the tax day. Sometimes keep going a few weeks later for the late filers. The picture is not quite different from what it was a few [...]