What will you find under the Christmas tree this year? According to several consumer websites, the hot items of 2014 will be dolls from Disney’s Frozen, Lego sets, Xbox and Playstation 4 game consoles, and, believe it or not, Apple’s discontinued iPod Classic. Some people will discover some “gifts” they never wanted...

  It’s the phone call that all parents dread. You know the one–the call that your kid has been in an accident. We got “the call” over Labor Day weekend. Our eldest son, driving on a rain-slick highway in Florida, lost control of his car. Careening, the vehicle smashed into...