According to a psychologist in Wales, this Monday, January 17th, is the most DEPRESSING day of the year.  It's also Martin Luther King Day but one has nothing to do with the other. 

--Dr. Cliff Arnall says he figured out that the third Monday of the year is the most depressing day of the year because of all kinds of bad news converging on that day . . .

 --The weather is awful.

 --It's been long enough since Christmas and your vacation that your good feelings from them have worn off.

 --Your Christmas credit card debt becomes a reality.

 --You've started struggling or you've already failed on your New Year's resolutions.

 --And your next vacation feels so, so, so far away.

 --Just so you don't think I'm only trying to depress you the happiest day of the year, according to Dr

 Arnall, is the third Friday in June.  This year it'll be June 17th.