Ah, the New Year is solidly upon us. All that remains of the now seemingly distant holidays are some stray needles from the tree, stuck to your sock, and an impressive stack of credit card bills. Plus, it’s tax season. Suddenly, that home improvement project that you’d been planning (you know, the two-story addition with exotic hardwood floors, custom windows, Stickley furniture, and a zebra skin rug) seems a tad out of reach. Rather than an extreme makeover, your accountant now gently urges “scale back a bit. How about some new switch plates?” Read More