*Whispers to myself* I know this one. Let's see......Jacob Marley is Ebenezer Scrooge's old partner who died years ago and now appears as a ghost to warn Scrooge about his greed and selfishness. He tells Scrooge to repent and change his ways or else he will suffer a similar fate as him. Scrooge is reluctant at first, but eventually he realizes the error of his ways and changes his ways, becoming a more generous and kind-hearted person.