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    Every holiday season sees a new trendy gift. Many years ago (and, perhaps I’m dating myself by mentioning this) one gift of choice was the Pet Rock. A Pet Rock was, well, a rock in a box with instructions. Of course, the funny instructions which came with the rock were the real gag of this gift. These instructions announced that the new Pet Rock owner now owned a pet that didn’t bark, disturb the neighbors, or wet the rug, etc.

    After browsing the Internet several weeks ago, I located yet another trendy gift of the 2006 holiday season, this time for the "well to do": Old books. Apparently, old books are all the rage. These books often have tattered, tan bindings. But nobody really reads these books. Old books ar

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    . A Pet Rock was, well, a rock in a box with instructions. Of course, the funny instructions which came with the rock were the real gag of this gift. These instructions announced that the new Pet Rock owner now owned a pet that didn’t bark, disturb the neighbors, or wet the rug, etc.

    After browsing the Internet several weeks ago, I located yet another trendy gift of the 2006 holiday season, this time for the "well to do": Old books. Apparently, old books are all the rage. These books often have tattered, tan bindings. But nobody really reads these books. Old books a

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    this gift. These instructions announced that the new Pet Rock owner now owned a pet that didn’t bark, disturb the neighbors, or wet the rug, etc.

    After browsing the Internet several weeks ago, I located yet another trendy gift of the 2006 holiday season, this time for the "well to do": Old books. Apparently, old books are all the rage. These books often have tattered, tan bindings. But nobody really reads these books. Old books a

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    After browsing the Internet several weeks ago, I located yet another trendy gift of the 2006 holiday season, this time for the "well to do": Old books. Apparently, old books are all the rage. These books often have tattered, tan bindings. But nobody really reads these books. Old books a

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    d books. Apparently, old books are all the rage. These books often have tattered, tan bindings. But nobody really reads these books. Old books are not bought to be read, apparently, but instead to show and to be seen, like pieces of furniture.

    What a waste.

    Why give something no one will ever use? If you have a favorite working young adult who is impossible to buy for, why not consider funding their Roth Individual Retirement Account -- a Roth IRA? As long as they have compensation income of no more than $95,000 (with eligibility phasing out at $110,000 for an individual taxpayer) in the form of wages, salary and tips, your young person is would be eligible to contribute to such a fund. Of course, these upper incom

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