In Debt So Deep
Once I had been enslaved,
To maintain a good credit rating.
And doing my best to keep,
Timely payments monthly kept.
Then one day a storm came and left.
Loosening a hold to allow peace,
Within me...
To let go of a smothering I chose.
Acknowledging,
I no longer had to prove my patriotism.
I was in debt so deep...
My being a true American no one could doubt.
poem by Lawrence S. Pertillar

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A Lifetime of Peace
Be suspicious of anyone offering,
A lifetime of peace...
For low monthly payments.
And you have been selected,
Because of a favorable credit standing.
And you should feel both proud and envied,
To be have been chosen in such a manner.
And...
All payments are tax deductible.
With an option to have them made directly,
From checking or saving accounts.
poem by Lawrence S. Pertillar

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Fresh Debt Offerings
Yes...
My credit is bad.
It has been for a long time.
But guess what?
Even though I didn't start that trend...
I now feel more American and patriotic than ever!
My credit has been bad for so long...
It has become good with fresh debt offerings!
Visa and Mastercards with applications sent.
With approval guaranteed...
If I should call within 24 hours.
Yes!
Whether or not I am penniless.
And at one time I felt ostracized,
Because I had no credit at all!
And today I've become embraced,
As a true American.
After more than 400 years!
And many stolen inventions.
poem by Lawrence S. Pertillar

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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

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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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Mixed Doubles
Two who once shared a harmony,
Now together
Sharing grief!
It's the mix of trouble.
Because of the economy.
Who thought a bottom would fall out,
From under two with a future.
Who thought things from them would be removed
After having fantasies approved.
With a signing on a dotted line!
Good credit with timely payments
IF payments made were done on time.
Mixed doubles befuddled in economic trouble.
On a field playing with others.
Sharing grief with hopes of getting financial relief.
Two who once shared a harmony,
Now together
Sharing grief!
It's the mix of trouble.
Because of the economy.
Mixed doubles befuddled in economic trouble.
On a field playing with others.
Sharing grief with hopes of getting financial relief.
Who thought a bottom would fall out,
From under two with a future.
Who thought things from them would be removed
After having fantasies approved.
Mixed doubles befuddled in economic trouble.
With a signing on a dotted line!
Good credit with timely payments
IF payments made were done on time.
poem by Lawrence S. Pertillar

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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

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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

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Throughout the Meadow
I discovered my purpose,
Long before your good credit rating...
Maxed out on overdrawn credit cards.
I have never identified with bling,
As a means to represent my dreams and wishes.
Being 'different' has had its benefits for me.
I owe no one anything to maintain a pretense.
I am who I am.
Basic.
Truth and I have been friends for years.
But I will admit...
We have had our ups and downs.
You,
On the other hand...
Celebrated achieving faked peaks.
And today you tell me I know nothing of the valleys?
Remember,
That's where you left me before making your climb.
However...
Your whining everyone can hear,
Throughout the meadow.
Have you lost your purpose and your mind,
On borrow time and the cheap 'blinging' of things?
I thought you knew who you were?
Was it you who said I wasted my life,
On useless dreams?
And here you are...
Screaming as if 'you' are the one crazed.
But...
You may be reflecting your purpose.
Who am I to pass judgement?
Enjoy.
Have a great day.
poem by Lawrence S. Pertillar

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This debt crisis coming to our country. The wall and tidal wave of debt that is befalling our nation. Medicare and Social Security go bankrupt within ten years, we have a debt that is looming so high that in the last year of President Obama's budget just the interest payments on our debt is $916 billion dollars.
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

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Losing Patience
If one is the owner,
Of another's debt.
And that other one's life,
Has been enhanced by loans and credit,
Kept.
Who is more indebted?
The one who's lifestyle has been fed,
On the achievement of good credit ratings?
Or the one quietly...
Losing patience instead?
If one is the owner of another's debt.
And one of the two brags about a greatness kept.
While the other has sat patiently...
Listening to the boasting,
Of one exposing a pumped up chest!
Which one do you think eventually...
Will extend an upper hand?
And which one will admittedly,
Will express regret and on nothing to stand.
On which can be declared is theirs to own?
Not if one is accustomed to living indebted,
On borrowed finances another loans.
Which one do you 'think' will be left to moan?
poem by Lawrence S. Pertillar

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All Will Be Revealed
I cannot prove that God exists
You cannot prove that he does not.
Yet still the argument persists.
What does it matter not a lot?
What I believe may not be true
There is no way I can be sure.
I think the same applies to you.
That's why we both feel insecure.
Although I'm open to debate.
I see no point in argument.
I have no doubt if we just wait
The truth will become apparent.
When we have left this world behind.
We will no longer be so blind.
poem by Ivor Or Ivor.e Hogg

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For a Peace of Mind Kept Within One's Budget
With a bleeding done to get,
And secure...
Those 'things' endeared.
Some choose and have chosen...
Bottomless debt.
Without expressing regret.
As long as the credit given continues,
To satisfy temptations!
Followed by Sunday visitations,
To beg in prayer to connect in silence...
For a peace of mind kept within one's budget,
To maintain and to find...
All is well with their souls.
poem by Lawrence S. Pertillar

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Shallow Are My Nights
Shallow are my nights.
A smothering of wrongs...
Has come to contaminate,
My will to do things right!
And for what reasons,
Should I hold onto standards gone?
Where is my quality of life?
Dreams I treasured to fulfill,
Have made me feel...
I don't belong!
My strength to maintain them...
Seems like a song I've sung.
I no longer care to even hum!
Shallow are my nights.
A smothering of wrongs...
Has come to contaminate,
My will to do things right!
Trashed are my steps.
To place them at my best.
A process once I refused as disrespect.
Now I see,
Less than mediocrity.
Is more than enough...
Those conditioned with this mindset will accept.
Shallow are my nights.
And a Sun once bright I gazed with delight...
Leaves me with a warmth,
I have come to find irritating.
Shallow are my nights.
With a lust I seek from the gutters!
poem by Lawrence S. Pertillar

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To Feel Freed
Escaped from fear to make decisions.
No longer in doubt,
I can and will have happiness...
Inside and out.
It is clear my needs are important to me.
And whether others are agreeable...
I have walked away from that wish to please.
Free with a peace of mind I sought.
Realizing 'that' piece of peace,
I could not have bought...
To have it released.
Letting go and leaving behind,
Anxieties that tensed with no sense...
That kept me sitting on fences,
With defenses I made!
I could no longer stay that way...
In shaded indecision.
I had to ignore,
What others had to say.
And I listened with deep thought!
A craving increased,
My need to obey.
Regardless of opinions...
That may have caused my steps delayed!
To flee from insecurities,
Within me beginning to fade.
Escaped from fear to make decisions.
No longer in doubt,
I can and will have happiness...
Inside and out.
It is clear my needs are important to me.
And whether others are agreeable...
I have walked away from that wish to please.
With tears of regret,
I chose my heart...
And what is best,
For it and me to feel freed!
poem by Lawrence S. Pertillar

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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

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The fishermen of Gallilee
The fishermen of Gallilee, disciples of Jesus, called to be,
Learning how to live by Faith, they obeyed when He said 'follow Me.'
They went out to fish with their nets one very stormy night,
And as a storm blew up, they saw Him walk and got a fright;
They thought it was a ghost, But they soon found out,
It was Jesus walking there, and soon their boat came about.
Another time when they were on the sea, as Jesus did stand and talk,
He then said we'll go the other side by boat, we won't walk;
And as they started out with their boats into the deep,
Jesus went to the back of the boat, and went to sleep.
Now as they travelled, the weather changed, and a storm did blow,
And the Fishermen came so afraid, Fear was all they did know;
They went to Jesus and woke Him, then said don't you really care,
That we're in danger, but why couldn't they realize, Jesus was there;
Jesus then stood up, rebuked the storm, and the storm quietened down,
Jesus said Peace, and peace came, No longer their faces did frown.
The fishermen learnt many things, and so do learn them, it's so,
That trusting in Jesus, for everyone, is the only way to go;
But with trust and faith, helps us to cope in life,
When sin causes us to go wrong, brings about strife;
Just keep on believing, and try not to doubt,
You too like the fishermen, you'll no longer pout.
poem by Margaret Haig

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But you have left me …..
We have went our separate ways
But you have left me with some good memories
We are no longer together
But you have left me with unforgettable moments
We have went our separate way
But you have left me with little tears to cry
We are no longer together
But you have left me with no questions as to why
We have went our separate ways
But you have left me with so much to live for
We are no longer together
But you have left me with peace inside my heart
We have went our separate ways
But you have left me with out a partner
We are no longer together
But you have left me with an extra friend
poem by Stephanie Mcgrath

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Religious Routines
As long as you are kept,
On the bottom rung of consciousness...
You will always be left subjected to believe,
Maintaining a good credit score...
Depends on the prayers you give,
And the blessings you receive.
Although our existence here,
Has nothing to do with religious routines!
And that is why,
So many find they have a lower interest,
Rating to invest!
poem by Lawrence S. Pertillar

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Because Of You
well i see the color in your eyes
they set me free, they get me high
no sister flower will be denied, girl
the heat of affection, a fragile mind
because of you(hold) man my dreams came true
because of you
because of you(hold) man my dreams came true
because of you
and i feel the warmth in your touch
my ego trips, i cant get enough
that satisfaction lies in your, girl
i wrote this song, so you'll understand
because of you(hold) man my dreams came true
because of you
because of you(hold) man my dreams came true
because of you
because of you(hold longer) my dreams came true
because of you
because of you(hold longer) my dreams came true
because of you
because of you (hold)
because of you
song performed by by Unwritten Law

Submitted by Lucian Velea
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