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homeowner insurance just keeps going up. Maybe you could get ahead of the game if you sacrifice your money to the insurance industry. If you are unfortunate and suffer a loss, you just might get it back.

4. If you are a homeowner, you could make an additional mortgage payment this year. This reduces the principal and improves the equity in your home. Your mortgage could be paid off earlier and your return in investment will be greater, assuming that you wait long enough for the housing market's recession to reverse itself.

5. Think about using this unearned gift for paying next year's, or perhaps this year's, income taxes. Essentially you give it back to the government, which you are obliged to do anyway. Easy come, easy go.

6. You could place the funds in your trusty savings account, buy a savings bond, a CD or some other savings instrument. Much patience is required as any meaningful interest is nearly nonexistent these days due to inflation and taxes. Budgeting for savings can also improve your TRW credit score.

7. Donate it to your favorite charity. You can write the donation off and pretend it never happened. Charities do important social work and the social climate in our nation improves. Everyone wins, including the government which doesn't have to provide as many services.

8. Place the money into an educational investment account of some sort for your children or grandchildren. They are the people that are really going to need the money someday. Investing in their future is the greatest gift we can give, and they're going to need all the help they can get.

9. Plant a tree or anything green that will help mitigate the looming disaster of global warming and provide food.

Perhaps some day we won't be trillions of dollars in debt, wondering what happened to our children's future. Until that day comes, and government can live within its budgets, we should be thinking about the saving and preserving the precious economic resources of our nation, not consuming disposable commodities based upon a questionable economic theory.

Learn more about this author, Francis Jock.
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