Offensive Advertising
The American Cremation society
Is offering 'hot deals'” this week.
We get pitches for Pfizer's viagra
by snail mail, on Facebook, by Tweet.
Brochures for an all senior residence
litter our nightstand these days.
There silver haired ladies and gentlemen
pop pills for their nightly forays.
There are bankruptcy ads on the radio
to help manage credit card debt.
There are pill ads to help me remember
what drink used to help me forget.
The cars that they hawk to us seniors
Are designed to just putter around
Not for me Candy apple red Corvettes
To race about with the top down..
I’m stuck in the prune demographic
Where ensure and ex lax abound.
I still have my own teeth, and don’t need drugs to sleep,
But my Glasses have yet to be found…..
poem by John F. McCullagh
Submitted by Poetry Lover
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Related quotes
Social Insecurity
Strapped Seniors use credit cards ‘stead of cash
To stay afloat, after losing their stocks n’ bonds
Yet more victims of another Wall Street crash
“Let them eat cake” is what the Fed responds
ROTMS
From Reuters Article 10/23/2010
Retired and broke: Why retirees are declaring bankruptcy
For more and more seniors, retirement doesn’t mean a debt-free life of leisure. An increasing number of Americans aged 65 and older are declaring bankruptcy, according to a recent study by John Pottow, professor of law at the University of Michigan Law School.
Those aged 65 and older represented seven percent of bankruptcy filers in 2007, a mind-boggling jump from 1991. They are the “fastest-growing age demographic, ” according to Pottow’s study.
What’s the culprit for so much debt? Credit cards. Two-thirds of Americans who filed for bankruptcy said credit cards were the key reason for their financial problems, according to Pottow’s research. Besides having more credit card debt compared with younger bankruptcy filers,44.8 percent of those aged 65 and older also had more plastic in their wallets. “They’re using credit cards as a maladaptive coping mechanism, ” Pottow says.
Stephanie Osterland, a supervisor in the bankruptcy department at GreenPath debt solutions, sees an increasing number of seniors living beyond their means. Says Osterland: “They’re just trying to live off of a fixed income, and that’s usually Social Security. Maybe they have a small pension. We find they’ve used credit cards to supplement that income and expenses or they just end up getting into a lot of medical debt.”
In addition to escalating medical expenses, seniors have seen their portfolios hit hard by the lagging stock market. Carolyn Rodi of Saving Your American Dream says those considering bankruptcy should see a credit counselor at a non-profit organization to get their finances in order.
Credit counselors, such as those at GreenPath, help the elderly deal with a stressful situation. “We try to help them focus on what it’s going to look like” after they get out of debt, Osterland says.
Rodi also recommends that potential bankruptcy filers seek out pro-bono legal aid. “There are a lot of elderly people that are being taken advantage of by bankruptcy attorneys and mortgage brokers who are advising them improperly to pay for the bankruptcy, take out a reverse mortgage or to do things that aren’t in their best interest, ” she says. ”If you have no income, why should you borrow to pay someone when you can get free legal aid? ”
What are the chances of a senior paying off his or her debts? It’s difficult to determine, especially because seniors tend to be on a fixed income. And while finding a job — such as a WalMart greeter — seems like a viable option, it is not necessarily feasible for all seniors to work.
In addition, whether or not a person declares Chapter 7 (which involves the liquidation of one’s assets) or Chapter 13 (which allows debt restructuring) bankruptcy can be a significant factor in determining what one’s lifestyle will be. “If you have to file for Chapter 7 bankruptcy, you may be able to find affordable housing that allows you to just get by, ” says Rodi. “Chapter 13 lets you keep your house and doesn’t touch your retirement savings.”
Regardless, filing for bankruptcy is very stressful for anyone. “A lot of our clients in that post-retirement age have a hard time coming to grips with their situation, ” Osterland says. “It’s very emotional for them. We try to focus on the future and see if this debt can be lifted off their shoulders.”
poem by Ray Lucero
Submitted by Poetry Lover
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Candy candy not so good
Candy candy not so good,
Ouch my teeth hurt,
Candy candy not so good.
Candy candy stuck in my teeth!
Mm..
That lovely taste..
It's just so sweet! !
My mum always tells me 'candy candy not so good, it will hurt your teeth UNDERSTOOD! '
I want candy,
I want to eat,
I don't care what anyone says,
know that candy is the best.
Ouch! Ouch!
Mummy was right!
Because of candy I can't even bite.
Candy candy not so good,
Just remember to brush your teeth because..
Candy candy is not so good..
For your teeth.
poem by Aisha Alansari
Submitted by Poetry Lover
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The Sickness
he cannot imagine himself
now
swallowing from pill to pill
his stomach
becoming more like
a pharmaceutical
storage cabinet
there is a pill for his
numb arms
another pill for his
acidic stomach
more pills for him
to sleep
another pill for his
throat infection
another one for his
allergies
side effects of some
drugs that he had been
taking
this sickness into death
until one day
he refuses any pill
not that he cannot pay the bill
he is ready for
the thrill
poem by Ric S. Bastasa
Submitted by Poetry Lover
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Dedication to medication part one
Ode to my little pink pill
You are my saviour,
And my ultimate downfall.
Like so many little pills
That came before you
The first gave me lisence
To act without consequence
Until a little beige pill
Was needed when you failed
After that while on sabbatical
I had some bigger white pills
With a pessary too
To undo the promiscuity.
Little yellow pill
Tucked up in my gum
You help me stomach myself
Little lozenge pill
You soothe the monsters
That live by my bed
Tiny blue speckled pill
You drench me in annonymity
Till little pink pill
The littlest pink pill
Sings her Seroquel lullaby
And sentences me to sleep.
poem by Vik Harley
Submitted by Poetry Lover
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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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A Wonderful Little Green Pill (conversation and conclusion)
'I'm sorry to hear you're feeling ill -
Take my advice, there's a little green pill
That could make you feel better, even give you a thrill,
Go on, have another, but remember the bill! '
'Mmmn, that's nice, and I don't need an excuse
To indulge myself freely in substance abuse,
There are those who would say my morals are loose,
They won't listen to my reasons, so what's the use! '
'I'm glad to hear you're enjoying my cure,
The pain you have suffered is too much to endure,
These pills are the best, the ingredients are pure,
They'll do you no harm, of that I am sure! '
'Can you lend me a tenner? I'm needing my pill,
I need it so badly, I feel i could kill
To get the relief it's bringing me still,
Please, don't be a b*stard, just give me my pill! '
'Take it easy, old man, there's no need to fret,
There are pleasures in life you can't always get,
You owe me a lot, you're already in debt,
Just pay me next week and don't you forget! '
He realised then that he'd been a real fool,
The guy was quite hard, not a pupil from school,
He'd better get the money and start acting cool -
O why had he been such a gullible fool! !
poem by John Thorkild Ellison
Submitted by Poetry Lover
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High bankruptcy rates, increased credit card debt, and identity theft make it imperative that all of us take an active role in providing financial and economic education during all stages of one's life.
quote by Ruben Hinojosa
Submitted by Lucian Velea
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It is imperative that we make consumers more aware of the long-term effects of their financial decisions, particularly in managing their credit card debt, so that they can avoid financial pitfalls that may lead to bankruptcy.
quote by Daniel Akaka
Submitted by Lucian Velea
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Feel The Girl
[Intro Timbaland (Ms. Jaded)]
Ladies and gentlemen
Ladies and gentlemen
(Ms. Jade) Lay lay lay ladies and gentlemen
(Ms. Jade) Ladies and gentlemen
(Ms. Jade) Ladies and gentlemen
(Ms. Jade) Lay ladies and gentlemen
(Ms. Jade) Skrip skirt skrip lay lay
(Ms. Jade) La la la lay
Earr err err
[Verse 1 Ms. Jade]
Ms. Jade's the name comin' to ruin the game
Bringin' the thunder and rain
song performed by by Ms. Jade from Girl Interrupted
Submitted by Lucian Velea
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They're pushing credit cards. They don't take Visa, but they do take American Express, or they don't take this one, but they take that one, or you'd better bring this one, or if you forget who you are, look on your credit card; it will be there.
quote by Bill Janklow
Submitted by Lucian Velea
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Addicted Till Death
Sleep sleep sleep away
take another pill
sleep sleep sleep all day
doctors of death
one could say
giving you more pills
day by day
watching you slowly die
i wont contest no more
i wont cry
as you knock on deaths door
stealers of life
giving you drugs
dealers of strife
legalized thugs
poem by Ernest Clary
Submitted by Poetry Lover
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Radio Star
Edwin McCain
Radio Star
And how my dad beat me and how much he drank
Do you think it'll help my records sell
Cause Im the radio star with the cars and the clothes
The fancy guitars and the spoon in my nose
You know in my world now anything goes
You all want to be me, and Ill be gone in a week
Hang out with Britney and Fred Durst
Arrive in a limo, Ill leave in a hearse
And I cant decide now which part is worse
Losing my life to the game, or losing the fortune and fame
Cause Im the radio star with the cars and the clothes
The fancy guitars and the spoon in my nose
You know in my world now anything goes
You all want to be me, and Ill be gone in a week
You put me on TV with all the cool stars
Like Letterman, Conan and Jay
Cause were all experts at the art of PR
And nobody knows that Im gay
Im the radio star with the cars and the clothes
The fancy guitars and the spoon in my nose
You know in my world now anything goes
You all want to be me, and Ill be gone in a week
Im the radio star
Im the radio star
Im the radio star
Im the radio star
song performed by by Edwin McCain
Submitted by Lucian Velea
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Ladys Aid Society
In every little town and village too
Somewhere in the neighborhood
Youll find a little band of ladies who
Cant stop doing good
Good for the pigeons in the park
Good for the weekly tea
Good for the national bank where they keep their treasury
Were the ladies aid society
And were really a great bunch of girls
Were the ladies aid society
And soon well take over the world
Here they come marching down the street
Witgh their picket signs in hand
With their blue and white pleated uniforms
And their all girl five-piece band
Down with long haired singing groups
Down with the mayor too
And if you;re under 65 theyre down on you
Were the ladies aid society
And we just want to sell you the truth
Were the ladies aid society
And its time we clamp down on the youth
Were the ladies aid society
And were really a great bunch of girls
Were the ladies aid soicety
And soon well take over the world
Were the ladies aid society
And we just want to sell you the truth
Were the ladies aid society
And its time we clamp down on the youth
song performed by by Monkees
Submitted by Lucian Velea
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Identity theft
Slipping into your shoes
I rummaged through your litter
I found your name and postal code
and had a little titter.
Your credit card had almost dried.
Oh! No need to apologise,
the bank was eager to oblige,
and raised your credit to the skies.
Shredders are so popular,
they're going cheap at Curry's.
Go and buy one soon I say
you'll make it if you hurry.
I bought a TV there today
a laptop just for fun!
Pity, such a pity that
you couldn't come.
poem by Ruth Walters
Submitted by Poetry Lover
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Polar Opposites
Polar opposites dont push away
Its the same on the weekends as the rest of the days
And I know I should go but Ill probably stay
And thats all you can do about some things
Im trying to drink away the part of the day
That I cannot sleep away
Two one eyed dogs, theyre looking at stereos
Hi-fi gods try so hard to make their cars low to the ground
These vibrations oil its teeth
Primer gray is the color when youre done dying
Im trying to drink away the part of the day
That I cannot sleep away
song performed by by Modest Mouse
Submitted by Lucian Velea
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How Many Drugs?
How many drugs can a body take?
How many drugs can a scientist make?
I guess as many as money can buy,
probably more than meets the eye.
Drugs for the young, drugs for the old,
as many drugs as can be sold.
Uppers, downers and in betweeners,
even drugs for limpid wieners.
Over the counter or written on a pad
Which ones are good? Which ones are bad?
We have become a society of ills.
We've become addicted to taking pills.
Future generations someday will look back
and wonder why we were on the wrong track.
Couldn't we see the forest for the trees?
They couldn't even cure the common sneeze.
poem by Edwina Reizer
Submitted by Poetry Lover
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Drink Yer Glasses Empty
Listen up and Ill tell you what youll do
Forget about music and alcohol to
Forget about yer baby, weve got other work for you
Better drink yer glasses empty now, its time to rise n shine
Theres one less cause in the world to be leavin for
It was back in 39 when I was one year old
Sitting by the backyard fence and the world had turned to cold
Drink yer glasses empty now was all that they were told
Drink yer glasses girls and boys, its time to hit the sky
To the tune of thunder, theres no time to wonder why
Wed love to take life over, that is plain
Forget about sorrow, forget about pain
And watch a john wayne movie to remind us once again
Better drink yer glasses empty now, its time to hit the line
You got one less cause in the world to be leavin for
Drink yer glasses girls and boys, its time to hit the sky
To the tune of thunder, theres a tear in every eye
Id like to take things one at a time
Forget about reason, forget about rhyme
Because beg, steal, or borrow you got another hill to climb
So drink yer glasses empty now, its time to hit the road
Theres one less cause in the world to be leavin for
Drink yer glasses girls and boys, its time to hit the sky
To the tune of thunder, theres no time to wonder why
Wed like to take life over again
When time of war had passed away into the rain
And watch a john wayne movie to remind us of the planes
Just drink yer glasses empty now, its time to rise n shine
Theres one less cause in the world to be leavin for
song performed by by Gordon Lightfoot
Submitted by Lucian Velea
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Come Get Me
And as a special treat this evening
I have asked America's foremost young poet
to read his latest poem for us
[scratching by DJ Premier:]
"ladies and gentlemen.."
"Na-Na-Na-Nastradamus"
"Everybody watch him"
"ladies and gentlemen.."
"Na-Na-Na-Nastradamus"
"We-we-we came a long way"
"ladies and gentlemen.."
"Na-Na-Na-Nastradamus"
"Everybody watch him"
"ladies and gentlemen.."
"Na-Na-Na-Nastradamus"
[Nas]
Yo..
Yo.. yo..
Power and crime
song performed by by NAS from Nastradamus
Submitted by Lucian Velea
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What's Cooking?
So how are you,
Have you pulled through?
Still wallowing in pills
Content with your ills?
Those drugs you use
Of course you'll abuse
There's no easy way
You escape it today
Just a quick trip
To put you to sleep
A nice harmless high
That will make you fly
Those drugs aren't cool
Turned you into a fool
That child was a friend
Your eyes saw a chicken
Slashed her throat dry
Intending to fry
And then you were sober
But her life was over
So now you serve time
For that heinous crime
Blamed the drugs you get
But never forget
All the pills you were taking
Had your brains a-cooking!
'There is a way that seems right to a man, but in the end it leads to destruction.'
PROVERBS 16: 25
-----------------
Copyright Cynthia Buhain Baello
May 8,2009
Philippines
poem by Cynthia Buhain-Baello
Submitted by Poetry Lover
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Insomniacs Complaint
I take a pill to help me sleep.
I take another when I wake
To me the cost is rather steep
I got addicted by mistake.
Although I had tries counting sheep
It didn’t work I lay awake.
I take a pill to help me sleep
I take another when I wake.
From the first my sleep was deep
I found it difficult to wake.
Due to the pill I chose to take.
I still do though it’s not cheap
I take a pill to help me sleep.
poem by Ivor Or Ivor.e Hogg
Submitted by Poetry Lover
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