Holiday time

Because of the economic situation that is affecting everything from monetary policy to car loans to credit-card interest rates, retailers are trying hard to attract customers and stimulate sales.

In addition to the financial crisis, this year's traditional holiday season -- typically between Thanksgiving and Christmas -- is shorter by a full week because Thanksgiving is so late this year.

Shoppers are finding bargains earlier than ever as stores compete for the dollars that will be spent on holiday gifts this year. Sales are in full force, and there are plenty of reduced prices on merchandise destined to be gift-wrapped.

Even though many shoppers say they intend to spend less this year on holiday gifts, they definitely plan to spend. Don't forget that your local merchants are eager to make your shopping experience as enjoyable as possible. More than that, they stand ready to back up your purchases and handle the inevitable exchanges that occur each year at the end of December.

A great deal of the economic freeze right now is not caused by cold weather coming from the North Pole. It's the result of consumer hesitancy caused by the uncertainty of savings, investments and paychecks.

Make the most of this shopping season, and remember to enjoy the holidays for what they represent and the impact they have on our lives.