Merry Christmas!   It's the holiday season and that means you run the risk of getting an ugly sweater as a gift.   In this episode we help you learn what to do if this happens to you.   What does it mean to receive something graciously?   It not only helps the person giving the gift, it helps you as the receiver.   Once you learn how to open yourself to receiving, not just gifts but compliments, time and attention, you allow more into your life.   This episode we offer up some information on how a person can become that gracious receiver.  It's also time for a little update on how the snowball/avalanche payoffs are going.