Bill's Christmas Carol

Deck the halls with bills by golly
Fa la la la la, la la, la la
'Tis the season of financial folly
Fa la la la la, la la, la la
Go we now to rags, from riches
Fa la la, la la la, la la la
All my friends are sons of................

Well, enough of that.

Christmas is on the horizon. And despite the economy, and despite the stresses and trials and tribulations we all face in one form or another, Christmas is still a time of hope, of family, of friends and of love.

And we at HotKarz.com wish you all of that and more - not just at Christmas, but all year long.

After all, those who think Christmas is only one day a year are missing a lot. Christmas is only a gentle reminder of how we should live every day.

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