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  • Atricle Dump - The Ghost of Expected Surprises

    How to Seize Control of Your Finances
    As the end of another financial year comes to a close, I thought it would be ideal to focus this newsletter on your personal affairs.I'm always amazed that so many people spend most of their life at work and totally neglect their personal affairs. Many business people I coach want to get their professional lives in order, and often admit that their personal affairs are in chaos.They
    oooge. 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.

    Will Retail Chains Lose Their Dominance?
    In most industrialised nations the the supply chain of goods from source to end user has changed little for many years. Firstly there are the producers. Then the wholesaler, then the retailer and then the customer and consumer.In the U.S. the supply chain has always been pulled by downstream consumers. Europe had a different history where a mixture of world wars and interventionist gov
    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.

    T

    Business Card – Small Thing, Big Impact
    Have you ever left your business card at home/office while you’re attending some occasion which you knew you would meet some people that have good prospect for your business? Or even worst, you left it while you’re about to see a new client?If you have, I’m sure it hurts you so bad…Business Card is like a key to open the gateway for your business. It is a first impression for whatev

    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.

    Conflicts With Your Boss Are Inevitable, But Can Be Healthy
    If you are a pro-active, get-things-done type, sooner or later you will come in conflict with your boss. The same sort of assertiveness and confidence that leads you to have a mind of your own has helped him to earn his position.Another reality is that if you do not have some periodic disagreements with your supervisors you are probably not being as assertive as you should be in
    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.

    Can't Keep Good People? Probably Your Own Fault!
    Having trouble retaining good people these days? Ever wonder why it is that just as you get someone up-to-speed on a project or position, suddenly they’re winging off to brighter horizons elsewhere?Maybe you think you’re not offering enough money, or your healthcare benefits aren’t very competitive? Perhaps available parking spaces are too far from the front door.Sorry, Bunkie: Acco
    ced 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.

    How to Lose Friends and Make Enemies
    Over the past five years an epidemic of rudeness has swept America. Here's how to perpetuate the disease.1) Ignore people. Don't return phone calls. Never answer the phone. Don't listen when people talk to you. Talk on your cell phone when with others, especially in restaurants or other public places. Don't acknowledge that others exist. The greatest insult that you can give someone is to
    oooge. 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…

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