Gift giving doesn't just have to happen at Christmas, anytime of the year is a great time to experience the delight of giving. Many times we think that the one who benefits the most in a gift exchange is the one who gets the gift, but I think the best part is actually saved for the giver.

Have you ever been given something of incredible value that you could have invested in but failed to do so? Did the fear of failure paralyze you into complacency? Just being lazy? Why ruin a good thing? At one time or another and in one way or another, we all do this with money and possessions. But did you know that we also are guilty of doing the same thing with the skills and talents we have been given?