Most of us are familiar with the song “The Twelve Days of Christmas.” Each year PNC Bank calculates the costs involved in the gifts mentioned in the lyrics. This year a partridge in a pear tree would cost you $159.99, while three French hens would cost $45. With the increase in gold five gold rings would set you back $499.95. I don’t know where to hire them, but ten lords a-leaping are priced at $4413.61. PNC estimates that it would cost $21,456.56 to purchase one set of each of the gifts. The cumulative cost of all 364 gifts exceeds $87,000.
While we will not likely shop for that list, most of us will spend considerable time and money trying to find the perfect gift(s) for those we love. It seems to me that the real value [...]






