Whether you plan for the holidays year-round or begin Christmas planning at the last minute, this web site will help you get organized for a stress-free Christmas holiday.

Try one of their Christmas organizing plans, browse their ideas for gifts and crafts, print free gift tags, stocking stuffers and planner forms or join in on the message boards.

You'll find lots of help at www.OrganizedChristmas.com

• The center of the Sun is about 27 million degrees Fahrenheit (15 million °C).
• The average person falls asleep in seven minutes.
• Armadillos can walk underwater.
• The liquid inside young coconuts can be used as substitute for blood plasma.
• Michael Jordan makes more money from Nike annually than all of the Nike factory workers in Malaysia combined.

There are three primary financial terms that affect how we determine the value of real estate. Without a working knowledge of these terms, investors and Realtors are at a disadvantage in the market place. These terms may sound difficult to grasp but are an integral part in understanding how we determine the value of real estate and are important for commercial and residential investors alike.

The first term, net operating income, refers to the income received from an investment prior to any mortgage debt being deducted from the equation. In general, net operating income, or NOI, is defined as the total possible rents minus a vacancy rate and any operating expenses.

Here are the lyrics to a popular song from the past. Can you name the tune and the performer or song writer?

"Jumped up this morning with the sun down shining in. Found my broken mind in a brown paper bag, ...."

Click the link below to send me your answer and I will publish a list of those who submitted correct answers next week.

Last week's lyrics: "She thinks her advice is a contribution, but if she will leave, that will be a solution..." is from "Mother-in-Law" written by Allen Toussaint and recorded by Ernie K-Doe in 1961.

No one submitted an answer to this one.

Correct answers were submitted by: Mike Grissom, Honor Kitchens, Joe Ferguson, Guy Kriske, Charles Dasher, J.M. Quattlebaum, Rusti Davis, Nancy Frenkel, Lewis Mitchum.

• 11/05/1871 - Susan B Anthony arrested in Rochester NY and fined $100 for trying to vote for Ulysses S Grant
• 11/06/1860 - Abraham Lincoln (Rep-R-Ill) elected 16th pres
• 11/07/1637 - Anne Hutchinson banished from Mass bay colony as a heretic
• 11/08/1960 - JFK (Sen-D-Mass) beats VP Richard Nixon (R) for 35th US president
• 11/09/1906 - T Roosevelt is 1st pres to visit other countries (P Rico and Panama)
• 11/10/1933 - Black Blizzard snowstorm-duststorm rages from SD to Atlantic
• 11/11/1647 - Massachusetts passes 1st US compulsory school attendance law

What do you serve that you can't eat?

Send us your answer and we'll publish it next week.

Last Week's Riddle:

Four jolly men sat down to play,
And played all night till the break of day.
They played for cash and not for fun,
With a separate score for every one.
When it came time to square accounts,
They all had made quite fair amounts.
Now, not one has lost and all have gained,
Tell me, now, this can you explain?

The answer is: Four men in a dance band.

Correct answers were submitted by: Chuck Donelson, Jesse Brown, Roger Cerasoli, Louise Lindsay,