It’s November, and that means 2020 is finally winding down, whew! While people across the globe are breathing a collective sigh of relief that we’re about to wave goodbye to a year of chaos and heightened uncertainty, if you’re a business owner, you might be singing a different tune. You now realize you’re heading towards the end of Q4, and the holidays are right around the corner! If you’re behind with planning for the holidays and you haven’t quite solidified…