Well, ladies and germs ... we're at the most wonderful week of the year. Wait, check that. The week before Christmas takes the top spot. It's the SECOND best week ... hang on, forgot about Easter. I'd say the third week, but my birthday's gotta fit in there somewhere.

Anyway, you get the point ... it's the week before the Super Bowl game. Between the Patriots gunning for 19-0 and the NY Giants surprising everyone by getting here, you've got more storylines than a corny soap opera.

Here's something else that'll grab your attention; the numbers say that some joes and jills are willing to plunk down almost 20 grand for tickets. Factor in hotel costs, food and nightlife, and this week is starting to look like a Cadillac.

You only got business spending that kind of dough if you can do it in cold, hard cash. It may not even be a trip to the big bowl. You may get some stupid car loan. You put an entire vacation on credit cards and end up paying for it until the next vacation. Save for it, pay for it, have fun with it.