It's The Most Wonderful Time of the Year--Not! By Hank Silverberg No, I'm not Scrooge. I love spending time with my family around Thanksgiving. My grand kids followed a long family tradition as trick-or-treaters in October. But when those Christmas carols start playing on "Black Friday," the holidays loose their buzz for me, at least until I see the ball is ready to drop in Times Square. Don't get me wrong. For those who are Christian and look at December 25th as a way to celebrate the birth and life of Jesus, well more power to them. I never argue with people's faith. It's all the crowds at the malls, reindeer on lamp posts and phony Santa's that make me scowl. There are people out there who spend more in the month of December on things nobody really needs and many people don't want than they do the rest of the year combined. It borders on insanity. If you are a retailer you are probably yelling at me through your computer scree