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 To Choose A Credit Card

Your credit score may just be a little number, but... Read More

Credit Report Disaster Through Mistaken Identity

I've got some very important info I want you to... Read More

5 Surefire Ways To Eliminate Credit Card Debt

Do you have enormous credit card debt? You are certainly... Read More

A Summary of the Fair Credit Reporting Act

This summary of the Fair Credit Reporting Act will explain... Read More

How To Get a Low Interest Credit Card

Consumers often have the first credit card that they ever... Read More

Understanding the Process of Credit Counseling

Many of us have seen the advertisements on television. "Get... Read More

Credit Report ? Look Out for Your Debit Report, Too

Most consumers are aware that there are companies that keep... Read More

Are You The Only One Using Your Name?

Identity theft has become an epidemic. Millions and millions of... 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

ChexSystems: Who They Are and How it Affects You

ChexSystems is a company that maintains a subscriber membership service... Read More

Credit Score: The Brightest Feather In Your Financial Cap

Credit scores are the most important aspect that determines your... Read More

The Hitchhiker?s Guide To Insanity

A new sickness is plaguing the UK called Denial. Denial... Read More

Manage Your Credit Wisely

Getting your first credit card is a big deal and... Read More

Reward Credit Cards: Get the Best Rewards Card Incentive Program

A good credit reward card can contribute to your retirement... Read More

Getting Married? What Are The Finance and Credit Implications?

There is a big difference between looking after your own... Read More

How You Can Avoid Becoming A Victim Of Identity Theft

To reduce or minimize the risk of becoming a victim... Read More

Finding Reputable Credit Card Companies

You're interested in getting the best credit cards for your... Read More

Credit Card Balance Transfers Explained

What is a balance transfer ? A balance transfer can... Read More

Small Business Credit Cards

So what do you look for when applying for a... Read More

Easing Your Financial Burdens With Credit Counseling

It is a well-publicized fact that more of us are... Read More

7 Surefire Ways To Repair Bad Credit

Do you have a poor credit rating? If so, you... Read More

The Hazards Of Your First Credit Card

You probably don't need me to tell you credit cards... Read More

Credit Card Shocker

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

Credit Card Tips

Here are some useful credit card tips for you to... Read More

How To Save Money On Credit Cards

Some credit cards offer a cash advance option. But how... Read More

indoor led lighting fixtures what is induction lighting Pete's produce ..