Dear James, It is Black Friday, the day after Thanksgiving. Although there are conflicting theories on why this day is called Black Friday, most people do agree that it started in the 1980s when someone decided that this day was the official start of the Christmas shopping season.  And because it was such a big shopping day, someone also decided that most merchants do not turn a profit for the year until this day, officially putting them in “the black”, which means making a profit, versus being in “the red”, which means suffering a financial loss. And so, the term “Black Friday” was born. And since then, for some people,…