Today, credit rating agencies rate companies, countries and bonds.
quote by Mike Fitzpatrick
Submitted by Lucian Velea
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We're only one of a few states that have maintained our Triple-A bond rating from the major rating agencies.
quote by Bob Holden
Submitted by Lucian Velea
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To What Degree Will A Rating Achieve?
I've read your 'work'.
And I think you are great.
But there is a dilemma.
You wish from me,
To select a rate.
And I ask myself,
'Is it easier for me,
Than it is to rate?
And on what scale of approval,
Do I show I appreciate?
Do I give what I've read...
A 5?
Or 10?
Or...
Perhaps an 8?
And...
If I don't rate at all,
Will this choice irritate?
I've read your 'work'.
And I think you are great.
But there is a dilemma.
You wish from me,
To select a rate.
Is saying you are 'great' not enough,
From me.
And to what degree,
Will a rating achieve?
Will you still produce your greatness?
Or...
Will you leave this activity.
To find one that appeases your ego to please?
Or...
Do you seek an approval and acceptance,
To express from YOUR heart...
I neither feel or see.
Or can say I have experienced from your point of view.
What will a rating from me,
Prove and do for you?
A success you wish to be,
Outwardly and not internally from yourself expressed?
Perhaps I am getting too 'old' to Get It!
I once believed what one loved was self motivating.
But today...
Many are blinded by stars in their eyes.
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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Winning At The Game Of Monopoly
May I ask a question?
'Sure.'
Will my good credit rating,
Allow me to borrow more money?
Well
Look at it this way.
Think of yourself as winning,
At the game of 'Monopoly'.
'Okay.
But any money I win isn't real.'
Think of taking those winnings,
To a bank.
'But I will be laughed at.'
And
Your point is what?
What do you think your good credit rating,
Is going to return?
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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Like other antitrust agencies we make our assessment of a merger or antitrust case based on its impact on our jurisdiction, and not on the nationality of the companies. This is exactly what the U.S. antitrust agencies, the Justice Department and the FTC, do.
quote by Mario Monti
Submitted by Lucian Velea
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Dealing With 'Accepted' Reality
The most difficult part in dealing with 'accepted' reality,
Is the financing of the delusional side of it.
With loans due and credit rates soaring to pay.
And creditors seem to lose their sense of humor,
The moment an application is signed...
And denied for having no credit history.
With no one to co-sign for a lifetime of dependency.
Or one having such bad credit a rating no longer applies.
Leaving those with no debts at all...
Feeling ostracized and looked upon as threats.
And today...
If one is not in foreclosure,
Or has a repossession in progress...
A feeling of being in total isolation is the experience.
With stares received from others for being unpatriotic!
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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A person's credit report is one of the most important tools consumers can use to maintain their financial security and credit rating, but for so long many did not know how to obtain one, or what to do with the information it provided.
quote by Ruben Hinojosa
Submitted by Lucian Velea
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Typically, students slide into debt through the extension (by credit card companies) of unaffordable credit lines.
quote by Robert Manning
Submitted by Lucian Velea
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There is more credit and satisfaction in being a first-rate truck driver than a tenth-rate executive.
quote by B.C. Forbes
Submitted by Lucian Velea
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A Better Quality of Life
Why should I desire to have better credit?
When a better quality of life,
Is all I wish and need.
Are those who have a better credit rating,
Living lives that are troublesome free?
Few I see walking.
Or exercising their right,
To feel healthier and bright.
Most with a better credit rating,
Than the one I possess...
Seem to be stressed and obsessed with regrets.
Why can't they whip out a piece of plastic,
Or be 'loaned' out of their mess?
Isn't that what having good credit means.
An ability to temporarily be free of duress.
That sounds so inviting.
To live for the creditors to hound and bite.
Hmmm...
I think not.
Not on my drug free watch!
When I challenged myself to look away from 'things'.
There were those who believed I had lost my mind.
Literally!
Since I did not chase behind,
Luxury items.
Marketed to confine.
I chose to leave that kind of life behind.
When I challenged myself to look away from 'things'.
Only the necessities,
Brought me more happiness it seems.
'And you say I can get two of these for a dollar?
Can I get three for twenty five cents more?
Why are you staring at me? '
I spend what I can,
On what I can afford.
And after doing that...
I may be broke but far from bored.
Exploring those things like nature walks,
Or riding daily on a bus.
I admit in the beginning...
A few choice words I openly cussed.
And that action began my release.
'I's free.
I's free.
I's be free like morning glory.
Well...
Not entirely.
I still pay basic bills.'
Stripped from impressions I see others attempt.
With a clear mind unaddicted...
These observations now to me make less sense.
I spend what I can,
On what I can afford.
And after doing that...
I may be broke but far from bored.
Life unattached to crap,
Can be quite exciting!
Although social invitations are few,
And far between.
But having peace of mind that is recognized...
Is more fulfilling than being in and around those scenes.
And that's a given.
Why should I desire to have better credit?
When a better quality of life,
Is all I wish and need.
I is free from pretentious living.
Uh-uh.
Yessuh!
Are those who have a better credit rating,
Living lives that are troublesome free?
If they are,
I don't see it!
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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Corporate Balance Sheet
Again the last year
was massing maximum
bean counter wealth
profit driven accountability
has no morality
no loyalty no stealth
multinational companies
buy sell strip assets
new balance sheet to sow
entire bought out companies
all staff shot down
like ducks all in a row
the loyal worker
giving a lifetime
to one employer
credit balance
does not show
the old the aged
in buy out merger
have no life preserver
debit carried
no pack your bags go
country after country
feels these reforms
cold bankers toe
before a cry for freedom
from oppression
manipulation by corporate
global countries exploitation
means ruin
paid proof
maximization?
poem by Terence George Craddock
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Junk bonds prove there's nothing magical in a Aaa bond rating.
quote by Merton Miller
Submitted by Lucian Velea
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Told to Go to a Heated Place
People are crazed.
And don't know what they want.
They want the government out of their lives.
And yet they want to be protected from terrorists.
As well as those they know,
Who are revealed to be thieves.
Their next door neighbors...
Who have committed petty crimes.
The ones who drive Benzes and Mercedes.
They wish not to pay another tax.
But expect free this and that...
And become angered,
When they spend their last dime.
Wasted on craps.
And other casino traps.
No second best!
They want to be better than the rest.
They want to build and show progress.
They want their stores stocked like packed nests.
They want to dress and stop breaths...
Because they want to look so good!
Moisturized, tanned and...
Buffed.
And they want to pocket huge dollars for doing,
Less than they should.
ALL...
Delivered by the Good Witch from the East,
Glenda!
Remember her from the Wizard of Oz?
Glenda?
The one who promised Dorothy,
If she really wanted...
She could and 'would' get back to Kansas.
Or get that which her heart truly desired.
Just with the clicking of her pumped and Rubied heels.
Three times.
And...
That's all it would take!
'Please let me get back to a credit A rating!
Please let me get back to a credit A rating!
Please let me get back to a credit A rating! '
People are crazed.
And don't know what they want.
They want also to be the first to occupy 'Space'.
You know...
Outer Space?
With much of that 'inner' space between their ears vacant.
They want the government out of their lives.
Day and night,
Loudly they make this clear.
But want their interests protected by those they elect...
Done.
And 'stunned' by the cost,
To maintain their exorbitant delusions.
And those who confront them...
Are told to go to a heated place!
And while there,
To kiss where the Sun does not shine!
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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Michigan is also the only industrial state that has a AAA credit rating.
quote by John Engler
Submitted by Lucian Velea
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Until Again The Gloss Wears Off
Money motivators,
Chase it as if craved.
With only one thing on their minds...
How to keep sentimentally kept teasured clutter,
With an updated sameness.
That maintains a 'living within their means mentality'.
This affords them an opportunity,
To activate a rearrangement of a thought process...
That tolerates new complaints!
Until again the gloss wears off.
No matter what the hidden cost,
That comes to satisfy...
Within unchanged limitations.
And a credit score that is boasted about,
Among friends.
'I do not want 'anything'...
Absolutely nothing,
To affect my good credit rating.
I find it is advantageous,
However...
To only use any of my credit cards,
Only while out shopping to purchase bargains!
And I've got a houseful of those.'
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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Credit card companies pay college students generously to stand outside dining halls, dorms, and academic buildings and encourage their fellow students to apply for credit cards.
quote by Louise Slaughter
Submitted by Lucian Velea
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Endangered Species
When I wanted a credit card...
I was denied it.
Not qualified.
I was told no one would touch me!
Today...
Since I do not want a credit card.
And live within my fixed and bolted down budget...
I am bombarded.
Through the email.
My regular home mail.
Telephone calls.
Even those passing flyers on the street:
'We Can Have You Financed...
Before Your Next Breath Is Taken! '
Of course I exaggerate...
But those refusing credit today,
Are at risk!
It's like becoming an endangered species.
And to say 'NO! '
That is truly unpatriotic.
Today?
Not to be deep in depth,
Is Un-American!
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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Countries and states which have capital punishment have a much higher rate of murder and crime than countries that do not, so that makes sense to me, and the moral question - I struggle with it morally.
quote by Charlize Theron
Submitted by Lucian Velea
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This Is Cause For Celebration
Aren't you happy to hear,
The unemployment rate...
Has gone down.
'Let's see...
People losing unemployment benefits.
Plus those who have given up seeking work.
And those companies who have taken their employees,
Overseas to pay no taxes here at all.
Who 'had' been unemployed and documented as such.
It's great to know that!
Less jobs are being found.
And the unemployment rate,
Is going down!
It is a miracle.
This is cause for celebration.'
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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Explain
Explain...
If one with 'good' credit,
Is still paying on debts.
Why is one without any debts at all,
Considered a credit risk?
Or can not achieve a credit rating!
And the one with debts...
Is pursued to go even further in it?
Or at best,
Has a low credit standing!
BUT...
Can achieve even 'more' credit,
IF debts are kept at a minimal amount!
Explain...
The one who can not make a bill payment at all,
Is sought to make 'arrangements'!
And 'this' is a way of life that's loved?
Leaving those unemployed who lose benefits,
To lower unemployment statistics...
Even though they can not find jobs!
And those hopping the fence illegally,
Without documentation
No vested interest.
No signs of reading, writing, speaking
OR understanding the language...
Are offered retirement packages,
WITH health coverage!
And they wonder 'why' wild animals
Are leaving the forest in droves!
Many are seen escorting their young,
To soften the hardest of hearts!
'Look...
There's a wolf attacking our pet dog,
In the backyard!
But...
Aren't those eyes just adorable? '
Explain!
poem by Lawrence S. Pertillar
Submitted by Poetry Lover
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My Question to Alan Greenspan and Ben Bernanke
When banks went bankrupt, to bail them out
The government gave them a cushy handout
When the rest of economy went to recession
The government tried to make a good impression
It printed trillions of fiat money
To rescue all friends of the Easter Bunny
To provide the necessary wherewithal
To spend its way out of the hole
The politicians were not aware
While they built the bridges that lead to nowhere
That money is also a finite resource
They had good intentions: for better or for worse
Inflation and taxes beyond any doubt
Caused my retirement fund wipe out
My finances were trapped, I couldn’t get any cash
When stocks and bonds have turned into trash
I was paying my mortgage & credit card debt
I spent money wisely, my expenses were capped
With banks in default, the dollar’s inflating
I still retain 5-star credit rating
Hey, Mr.Bernanke and Mr.Greenspan
Something is wrong with your genius plan
Would you, please, tell me, whose fault is that -
People are suffering and banksters are fat?
***
August 23,2009
poem by Slava Olchevski
Submitted by Poetry Lover
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