Christmas Memories of Long Ago

Recently I needed to share my Christmas traditions with a group of friends and it brought back old memories.

When I was a little girl it was the late 1930’s.  My father was a chef who didn’t have a secure job.  My mother didn’t work.  Obviously we didn’t have much money.  My father would wait until Christmas Eve to go out to buy a tree.  He knew that he could get one cheaply since the seller would be anxious to close up and go home. By the time he got home my brother and I would be sound asleep.  My parents put up the tree, decorated it and put our few presents under it.  Then they would come in and wake us up by yelling, “Kids, get up! Santa’s here!” Of course, we couldn’t get up fast enough to see Santa, but low and behold there was a beautiful decorated tree in our living room with presents under it.  We were so excited.  We could only open one.  We had to wait for the others in the morning.

My father did this for a reason.  He wanted us to have a good time, and best of all, he didn’t want to be awakened at the crack of dawn on Christmas morning.

My father also had other family Christmas traditions to pass on to us such as egg nog at night and raw oysters for breakfast the next morning.  The egg nog was great, not so much the oysters.

As the years passed my brother and I grew up, married, and I had a family of my own.  My husband liked the Christmas Eve activity and so we continued to celebrate it with our children.  To this day my family gathers on Christmas Eve and has dinner, then we open our presents.  This allows everyone to have a quiet Christmas Day and to do whatever pleases them.

We have egg nog, but no oysters.

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10 Things You Can do to Prevent Fraud

There are over 10 million people that are victims of scams every year. Scam artists defraud people across the globe by using phone, email, postal mail and the Internet to trick you into sending money or revealing personal information. While con artists can be clever, many can be stopped by knowledgeable consumers. Here are 10 steps from the Federal Trade Commission that you can take to stop a scam.

1. Wiring money is like sending cash: once it’s gone, you can’t get it back. Don’t wire money to strangers, to sellers who insist on wire transfers for payment, or to someone who claims to be a relative in an emergency (and wants to keep the request a secret).

2. Do not send money to someone you don’t know, including online merchants you’ve never heard of, or an online love interest who asks for money or favors. Do business with sites you know and trust. Don’t send cash, and don’t use a wire transfer service.

3. Do not respond to messages that ask for your personal or financial information, whether they arrive by email, phone, text message or an ad, no matter how professional they seem. For example, Associated Bank will never ask for your account or personal information by email.

4. Do not play a foreign lottery. First, it’s illegal to play them. Second, you’ll be asked to pay “taxes,” “fees,” or “customs duties” to collect your prize. If you send money, you won’t get it back, regardless of promises.

5. Do not agree to deposit a check from someone you don’t know, then wire money back, no matter how convincing the story. If you deposit a check that turns out to be fake, you are responsible to pay back the bank.

6. Read your bills and monthly statements regularly, on paper and online. Scammers steal account information, then run up charges or commit crimes in your name.

7. After a natural disaster or other crisis, donate to established charities rather than one that seems to have sprung up overnight. Visit www.ftc.gov/charityfraud to learn more.

8. Talk to your doctor before buying health products or receiving medical treatments. Buy prescription drugs only from licensed U.S. pharmacies; otherwise you could receive products that are fake, expired, mislabeled and possibly dangerous. Visit www.ftc.gov/health

9. Remember there’s no such thing as a sure thing.
When you hear pitches that insist you act now, promise big profits and little or no financial risk, or demand that you send cash immediately, report them to Associated Bank or the FTC.

10. Know where an offer comes from and who you’re dealing with, including their physical address and phone number. Do an Internet search for the company name and website and any negative reviews. Check the Better Business Bureau at www.bbb.org

Bonus Tip: Visit www.OnGuardOnline.gov to learn how to avoid internet fraud, secure your computer, and protect your personal information.

The Federal Trade Commission works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them

Thought for the day – month

GOOD LUCK EVERYONE !!~~This year October has 5 Mondays, 5 Saturdays and 5 Sundays. This Happens once every 823years. This is called money bags. So copy this to your status and money will arrive within 4days. Based on Chinese Feng Shui. The one who does not copy, will be without money. Copy within 11 mins of reading. Can’t hurt so I did it 🙂

The Circle of Success

At the age of 3 it means not pooping in your pants

At the age of 12 it means having friends

At the age of 18 it means having a driver’s license

At the age of 20 it means having sex

At the age of 35 it means having money

At the age of 50 it means having money

At the age of 60 it means having sex

At the age of 70 it means having a driver’s license

At the age of 75 it means having friends

At the age of 80 it means not pooping in your pants.

There you have it.  Enjoy success.