If you think this is one of those tepid advices on how to make money, read first and decide. I had a quiet Christmas in England. Although, it is normally cold at this time of the year, however, it was unusually bitterly cold this year with temperatures plunging below zero and staying there for days. The only warmth I enjoyed came from seeing many friends and family again. Not surprisingly, the discussion everywhere was centred on the credit crunch that is gradually but determinedly eating up the economic system in the UK and around the world. It appears that there is no let up in the global meltdown and its impact on people, families and communities.