Now that Santa is back at the North Pole and kicking his feet up with a mug of mulled wine or eggnog I’m hoping that he brought you every thing you wished for, like lower interest rates on your credit cards and a higher FICO score for 2010. I have personal assurances that he’s put lumps of coal in the stockings of overpaid bank execs and predatory lenders.

Since this is my first Christmas as the author of Debtbeat I am hoping that he’s left me with higher bandwidth and carpal tunnel ointment under the tree.

Best wishes to you and yours this holiday season.