Happy SMART Day Everyone!

How many of you have noticed that Costco and a couple of other big-box retailers have already set up their Christmas decorations—and September isn’t even over?   That’s right, sometime during the month of September Costco began moving out the summer displays and setting up Christmas trees, neon-flashing Santa’s and boxes of wrapping paper, all designed to get you in the buying mood early this year.  And while I’m normally a fan of Costco, I consider their Christmas push to be obscene.  As a member of the “club,” this push is a great reminder that Costco’s, (and similar other retail store’s) primary agenda is not to serve customers—but instead to generate income.  And that is something very SMART for each of us to remember. [Read more…]