Can you imagine what happened at the office today? We were all expecting a decent Christmas bonus to be announced when the CFO called a meeting. Do you know this man starred at us for a few moments and began saying “Ladies and gentlemen, as you know, we have had a very challenging year, the…

So you shop there all the time, in fact its your favorite store in the whole wide world and to top it all up, you get a 15% discount on your purchases when you sign up for the store credit card. So in your mind and according to the friendly and persuasive clerk at the…