<em>This is a guest post by <a target="_blank" href="https://twitter.com/SimonMontford">Simon Montford</a>, a serial entrepreneur who also runs <a target="_blank" href="http://www.meetup.com/Inspire-F
<em><img src="http://eu.beta.techcrunch.com/wp-content/uploads/BABY.png" class="shot2" />This is a part II in a series of guest posts by <a href="http://www.crunchbase.com/person/erik-bovee">Erik Bove
<em><img src="http://eu.beta.techcrunch.com/wp-content/uploads/BABY.png" class="shot2" />This is a part II in a series of guest posts by <a href="http://www.crunchbase.com/person/erik-bovee">Erik Bove
<img class="alignleft size-medium wp-image-292969" title="HabibKairouz-portrait" src="http://tctechcrunch.files.wordpress.com/2011/04/habibkairouz-portrait1.jpeg?w=266" alt="" width="266" height="300"
<img src="http://www.mobilecrunch.com/wp-content/uploads/2009/12/Flurry_Peter_Farago_Headshot.jpg" />
Consumer spending during the holiday retail season, beginning with Black Friday, is among the mos