ceres non profit Earlier this year, the average five-year Treasury note paid 1.67 percentage points, compared with 2.02 percent today. In terms of the importance of the plan, the plan can be divided into strategic planning and operational planning. The Christmas season is an occasion you will certainly wish to spend with your friends and family. It is not even the sharing of gifts that matters, although you cannot discount the wide smiles it brings. It is the presence of people you love while you celebrate the summer season?s highlight, Christmas Eve. You should be prepared with many activities that may continue the fun in the air and steer clear of what every host or hostess fears most, which is boredom. One of the wonderful activities you can do is to get everyone sing in unison each of the Christmas songs they know.