Drug testing

The Ghost of Expected Surprises

Here, Cratchet, what do you think you're doing?

Uh, er, leaving sir.

Leaving? It's 5 minutes to the hour. Shall I dock your pay accordingly.

Uh, er, no sir.

No sir? Well it's back to work for you then, and be quick about it. And I don't expect your mind to be off home before your body gets out the door either, what?

Uh, er, no sir.

Quite.

Will you be doing anything for Christmas, sir?

Christmas, Schmissmiss.

Uh, er, what sir?

Schmi, schmish. Smiss.

Are you okay, sir?

Schmee, smaa, ooh.

Mr. Scrooge, sir? Mr. Scrooge? Mr. Scroo?.

***********************************************************************

Oooohhh. Ooooooooooooooh!

What? Who? What? Oh!

EEEIIIIII am the Ghooooost of Expeeeected Surprises.

What? What? Again? Not again. Oh please, spirit, not again. Please no.

EEEIIIIII visited yoooooou laaaast year, Scroooooooooooooge.

Oh, yes, spirit, that you did. That you did. Ooooooooh, and here I forgot!

FOOOOORGOOOOOT!!!!!

Oh, please spirit. Not so loud. Not again. Not again.

Why am I heeere again, Scrooooooooge? Why again?

Uh, uh, because I forgot the very thing that comes around every year. I forgot, yet again, Spirit. Silly me. Oh, silly silly me. I'm a bad man, spirit. Please have mercy. Oh please.

What is the Deeeeefinition of Expeeeected, Scrooooooge?

Um, of course, yes, I know this, why it's something known in advance. Yes. Known in advance, spirit. Something you can see coming. It's clear. It's clear now, spirit. Foresight. Advanced knowledge.

And yet you are caught unprepaaaaaared again this year, Scroooooooge!!

I am, good spirit. I am wholly unprepared. I didn't see you coming either, I fear. Stupid, silly man that I am. Oh spirit. Please. What is to become of me?

Yoooooouuuuuuu knoooooow.

Oooooh. Not that spirit. Anything but that.

Yeeees. Scroooge. Revise yoooooour buuuuuudgettt.

My, my budget, spirit? But I have a budget.

Muuuuuussssst yooooou beeee reminded agaaaaain? Yooooou have a moooonthleeey budget, Scroooooge. Buuut you have nooooo alloooocation foor annual expeeeennnssses.

I forgot, spirit. I forgot.

Eveerrrry year yooooou have nooooo money fooooor Christmaaaaas. Noooo money foooooor birthdaaaaay gifts, noooooo money foooooor caaarriage insurance, noooo caaaash for property taaaaxes.

No spirit. Never a penny. Never a pound. Never a schekel I fear. I'm tapped out and credit cards haven't been invented yet!

AAAAAAAAAAAAAAAAAAAAHHHHH! Never meeeention credit caaards, Scrooooooooge!

Sorry, spirit.

The Ghoooost of Future Expeeeeected Surprises is beset with credit caaaaard nightmaaaaares! Yoooooou don't waaaant a visit from hiiim.

No spirit, no. Not him. I've learned my lesson spirit. I have. I know I have. I will budget for annual expenses from now on. No longer will Ebenezer Scroooge be surprised by the expected. Caught without cash for things he knew, and always knew, were coming...yet again.

Caaaaash fooooor Christmaaaaaaas gifts too, Scroooooooooooge?

Wa, uh, ee, well, uh?

About The Author

Rick Hoogendoorn has been in the financial services industry in Victoria, BC since 1991. Happy Holidays from Cheri Crause & Associates Inc.

limousine chicago service
In The News:

How A Prepaid Debit Card Can Help You Rebuild Your Credit

Consumers today are up to their eyeballs in debt. And... Read More

Five Debt Negotiation Facts

These five debt negotiation facts along with a few debt... Read More

Credit Counseling -- Why It Doesnt Work For Most Debtors

"Cut Your Payments in Half!" the headline screams. "Consolidate Your... Read More

Convenience Can Be Costly

You've just opened your credit card bill and attached to... Read More

Why Does Your Credit Card Rate Keep Going Up?

Have your read your credit card contract through completely? Do... Read More

Balance Transfers Can Help You Stop Putting Money Down The Drain!

As you probably know, interest rates are at all time... Read More

Student Credit Cards

STUDENT CREDIT CARDS With graduate debt averaging... Read More

Can Credit Search Entries Affect Your Ability to get Approved for a New Loan in the UK?

About Search Entries:Every time a lender checks your credit history... Read More

A Cure for an Ailing Credit

Credit has become a much-used word, thanks to the various... Read More

Useful Tips on Using Credit Cards

Here are some useful tips on using credit cards. Whether... Read More

Trade Credit: How to Determine if You Should Offer Net-30 Terms to Your Customers

What is trade credit?One of the major differences between consumer... Read More

What Happens When Your Credit Is Damaged? Do You Have Recourse?

The good thing about bad credit is that you can... Read More

Finding What is on Your Credit Report

A credit report is basically a file about you kept... Read More

Credit Card Shocker

Have you ever looked at your credit card statement? I'm... Read More

Are 0% Credit Cards Reaching Their End?

Are Credit Card companies starting to feel the pinch? We... Read More

Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards

Secured Credit Card is similar to a prepaid credit card... Read More

Harassment of People in Debt by Creditors

HarassmentHarassment of people in debt by creditors or their agents... Read More

Choosing the Right Credit Counseling Agency for You ? Some Tips Part 2

Credit counseling companies come in all shapes and sizes. Whether... Read More

Credit Scores and Loan Applications

Keep Your Credit History Clean - Remove A Negative Credit... Read More

Various Types of Credit Cards - Part 2

Several different types of credit cards offer several different options,... Read More

Simplifying Your Search For a New Credit Card

Today, selecting the proper credit card can be a bit... Read More

How Do I Establish A Good Line of Credit?

A line of credit, roughly defined, is the amount of... Read More

Credit Repair, How To

Credit repair, is in a word, vital to reestablishing your... Read More

Online Credit Report and Online Credit Reports

Online credit reports are easily accessible to those interested in... Read More

Warning: Todays Non Profit Credit Counselors Are Yesterdays Bill Collectors!

Here's a dirty secret, today's "non profit credit counselors" are... Read More

street light photos induction lights Pete's produce ..