If when buying Tiny Tim a present this Christmas you are asked to buy the infamous MAINTENANCE AGREEMENT, come with the GHOST OF CHRISTMAS PAST to see what Maintenance Agreements are all about.

First, we will see Maryanne Ford store manager of Sears store #2724 drilling her employees that the "MAINTENANCE AGREEMENT is Sears bottom line PROFIT". The Maintenance Agreement brings in so much profit that employees under Maryanne Ford lose their jobs for not `pushing' enough of them.

You may be asked to open a Sears Charge PLUS account to put Tiny Tim's gift on credit. You might be quoted a low, low monthly payment if you purchase his present on this credit card PLUS account. Come with the GHOST OF CHRISTMAS FUTURE to see what will happen if you do. Many, many years later after having paid the quoted low, low monthly payment, you will have paid almost four times the original price of Tiny Tim's present. His gift still won't be paid off because at 21%, the quoted low monthly payment was almost all-only interest. If you have to file bankruptcy after paying four times the original price the GHOST OF CHRISTMAS PAST can show you Sears will ILLEGALLY try to collect more. The GHOST OFCHRISTMAS 1997 can show you Sears lost a 200 million-dollar lawsuit for swindling customers in this way. You must remember: Sears is a credit card company because they make over 50% of their profit from `interest on credit'.

If you are told one product in a line of products, such as one television set is a better deal than the others, let the GHOST OF CHRISTMAS PRESENT show you that the Sears executives and store manager Maryanne Ford (in signed memos) offer "spiffs" or commission bonuses to `push' poor quality and hard to sell merchandise on the customer.