A Christmas Carol for Modern Times by Clare Tanner

This time of year I love to read Christmas stories.  Ones that make you feel all warm and good inside.  Well, this one was awful!!  It was a short story about a banker who was visited by all of the ghosts and what he took away from it was ridiculous.  I got it for free and it was not even worth that.  Not everyone should be allowed to self-publish. (NOOK)