When it comes to holiday greeting cards, to send or not to send is often the question. Once you have decided in the affirmative, you then have to determine who to include on your list, what kind of card to choose and how to address the envelope.

There are lots of reasons for sending those holiday cards. You might want to enhance your current business relationships, attract new customers, remind old clients that you exist or show appreciation to those who have faithfully supported you during the year. What is obviously a well-meaning gesture can actually offend the people you want to impress when it is not done properly.

The first place to start is with a good quality card to show that you value your clients and colleagues.

Make sure your list is up-to-date with correct names and current addresses.

Sign each card personally.

Take the time to handwrite the address.

Whether you are addressing the envelope to an individual or a couple, titles should always be used. It's "Mr. John Doe," not "John Doe," or "Mr. and Mrs. John Doe, rather that "John and Mary Doe."

Be sensitive to the religious and cultural traditions of the people to whom you are sending your cards. Find out whether they observe Christmas, Hanukah or Kwanzaa and make sure your message is appropriate for each individual.

Mail your greetings in time to arrive for the designated holiday.

Always write titles on the envelope. The card or invitation goes to "Mr. John Smith," not "John Smith." It is addressed to "Mr. and Mrs. John Smith," instead of "John and Mary Smith."

When you address a couple, use titles, rather than professional initials. It's "Dr. and Mrs. John Smith," not "John Smith, M.D. and Mrs. Smith."

If both the husband and the wife are doctors, you write, "The Doctors Smith." However, if they use different last names, you address the envelope to "Dr. John Smith and Dr. Mary Brown." The husband's name is placed first.

If the wife is a doctor and the husband is not, you send your invitation to "Mr. John Smith and Dr. Mary Smith."

Try to get it all on one line. When the husband has an unusually long name, the wife's title and name are indented and written on the second line:

The Honorable Jonathon Richardson Staniskowsky
and Mrs. Staniskowsky

When a couple is not married and share a mutual address, their names are written on separate lines alphabetically and not connected by the word "and."

Ms. Mary Brown
Mr. John Smith

When the woman outranks her husband, her name is written first. It's "Major Mary Smith and Lieutenant John Smith."

Note: The man's name is always written first unless the wife outranks him or if the couple is unmarried and her last name precedes his alphabetically. So much for "Ladies first."