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

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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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Like Mother Like Daughter
When I was a child had dollies and teddies
I played tea party and bookstore,
And followed mum around the shopping centre with my dolly in her pram
I had my pretend credit cards and they were the coolest thing ever.
Now the dolly in her pram has turned in to a real child,
And my pretend credit cards are real
I don’t play tea party but make dinner every night
And a bookstore is a place where I buy text books and parenting books,
Not comics and novels
Soon again it will be time for tea parties and teddies,
And going shopping with dolly in tow
But now it is my little girl who has grand dreams of being just like her mum
Of having credit cards and a daughter of her own.
But for now as I watch her sleep I pray she does not repeat my mistakes
poem by Kayla Lines

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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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Credit In The Straight World
And I will awake
Your highness- Im so high I cannot walk
And I will awake
You cripple, you take away my time, my peace, my empathy
No babies sleep on atrophy
Your unborn love and fetals dree
My bitter [ ] legless caress
Go for credit in the straight world
Look a dealer in the eye
Go for credit in the real world, wont you try?
I got some credit in the straight world
I lost a leg, I lost an eye
Go for credit in the real world you will die
Its the credit in the straight world
Leave your money when you die
Lots of credit in the straight world gets you high
I got some credit in the straight world
I lost a leg, I lost an eye
Go for credit in the real world, you will die
song performed by by Hole

Submitted by Lucian Velea
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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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No Cash. No Hash
Bad credit?
I wouldn't have applied for credit at all...
If I could afford what i wanted.
Whether good or bad,
I have never had a grocery store...
Foreclose on my eating habits.
And even though the subject may seem ridiculous,
It's like this...
If I don't have the cash,
No eggs with hash splashed with a dash of catsup...
Will I taste to nibble, sniff or eat.
Try shopping for food,
With all resources depleted.
No cash.
No hash.
Whether credit is good, sad, bad...
Or just nonexistent.
A signature with a promised I.O.U.
Will not do.
Even in the best of times!
poem by Lawrence S. Pertillar

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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

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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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For Wishes of Good Credit
For wishes of good credit...
Should be the least of one's concern.
Good credit against an admitted deficit,
Seems less meaningful and senseless...
If debts unpaid go uncollected.
And if one with good credit,
Is employed and fears.
How can one expect it to be kept good...
If the threat of joblessness,
Approaches.
And repossessions draw near!
poem by Lawrence S. Pertillar

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Credit Crunch Blues
Well i woke up this morning
I swear the sun just wouldn't shine
When the day took to dawning
My woman laid it on the line
'Ain't buying you no more whiskey'
And you ain't buying no more time.
I got the credit crunch blues
I'm gonna blow the bank away
I got the credit crunch blues
I'm gonna say my piece today
I gave you all my money
You gone and turned your head away.
Well I'm hiding from the rent man
There ain't a bill that i can pay
I'll be living in a tent man
I hardly eat from day to day
Some pig give me the swine flu honey
The 'doc' he said 'just stay away'.
I got the credit crunch blues
The man he say he got no work
I got the credit crunch blues
A weaker man would steal or shirk
But i just pray to Jesus
'Lord send it down for one more jerk'
Yeah i got the credit crunch blues
I'm gonna blow that bank away
I got the credit crunch blues
I'm gonna use my 'piece' today
You city boys took my money
Now sure as hell you're gonna pay!
-Oh yeah.
poem by Kevin East

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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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Credit In The Straight World
Go for credit in the straight world
Look a dealer in the eye
Go for credit in the real world
Wont you try?
I got some credit in the straight world
I lost a leg, I lost an eye
Go for credit in the real world
You wont die
Instant credit in the straight world
Leaving money when you die
Lots of credit in the real world
Gets you high
song performed by by Young Marble Giants

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

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The good have no place
The one who seems good
Gets credit more than
The one really good.
The one really good
Is left well behind
The one who is bad
In getting credit.
This is the world where
Merits have no place.
The good find pleasure
In cursing themselves.
18.08.2008
poem by Rm. Shanmugam Chettiar

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Love Don't Cost A Thing
[1] - You think you gotta keep me iced
You don't
You think I'm gonna spend your cash
I won't
Even if you were broke
My love don't cost a thing
Think I wanna drive your Benz
I don't
If I wanna floss I got my own
Even if you were broke
My love don't cost a thing
When you rolled up in the Escalade
Saw that truck you gave to the valet
Knew that it was game when you looked at me
Pulling up your sleeve so I could see the Rolley bling
Saw you later in the corner booth
Raising up a toast so I would notice you
But your heart's a mess
Think you outta know
Doesn't matter if you're balling out of control
[2] - All that matter's is
That you treat me right
Give me all the things I need
That money can't buy yeah
[Repeat 1]
When I took a chance
Thought you'd understand
Baby credit cards aren't romance
So you're tryna buy what's already yours
What I need from is not available in stores
Seen a side of you that I really feel
Doing way too much
song performed by by Jennifer Lopez from J. Lo

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

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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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Now between '45 and '48, things would change enormously, 'cos we'd had credit in United States, credit from the Bank of America, credit from the Import-Export Bank and people had started working again.
quote by Gianni Agnelli

Submitted by Lucian Velea
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More Arrogant Than Necessary
Remember a few years ago,
When folks 'with' good credit...
Use to brag about the number of cards,
They had.
'I have all the major ones!
And you? '
None!
'None? Well...
I pride myself on maintaining good credit! '
I'm a true American.
Destined to have bad credit...
I guess!
And 'today' my bad credit prevented me,
From getting a credit card.
I did have one many years ago.
I never used it and was still stuck with a bill.
Charging me fees for 'non-use'.
Oh yes!
Now I've heard...
Not only have some folks experienced,
Tripled interests rates.
They are charged an additional fee...
IF less than two items are purchased in a single month.
AND...'if' the bank is not paid for those purchases,
Within thirty days...
That's another fee!
Years ago I frequented a store called Nellie's
On Canton Street in Hartford.
I was a kid.
Grown...
But a child nonetheless.
It was rare for me to have money.
But I ended up in Nellie's talking with her.
And she'd give me a lollipop.
I was a child using my charm to the max.
One day I licked on a lollipop...
And Ms Nellie said, 'Two for Five cents.'
'I ain't got no five cents, Ms Nellie! '
~That's your last lollipop! ~
Where are they?
What have we done to those teachers?
Who stuck by a decision to feed addicting greed to folks?
Especially to the ones who ain't got no cash.
Or none laying around in a bank.
If 'they' did 'they' would not be closing them!
I demanded my account closed years ago.
And took all of my twenty dollars out!
The manager had stated...
I was 'acting' more arrogant than necessary.
'Excuse me?
Close my account! Now.
And that will be in 'twenty' one dollar bills...
Thank you! '
They are using 'my' money?
And pushing 'me' around like that?
I...don't think so!
I'm glad I did that earlier.
The thought of standing in a line,
'Waiting' to see if my life's savings are safe...
I don't have the patience anymore to do!
poem by Lawrence S. Pertillar

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The Shopping Trolley Man
Every day for eight hours or maybe more
He walks up and down through the car park by the big food store
On the lookout for unreturned shopping trolleys for each one he returns a dollar is his pay
The most he might earn would be thirty dollars a day.
An ageing man of three score and ten maybe
By the big food store he is one you always see
To supplement his pension the unreturned trolleys he takes back
Despite his age in the will to work he does not lack.
His given name i do believe is Stan
But all of the locals know him as 'the shopping trolley man'
Tall and slightly stooped with gray beard and silver hair
Out of what he does he will never become a millionaire.
For the effort he puts in so little is his gain
He is there every day in sunshine or in rain
Yet one might say he's a hardy old boy
And what he does he does seem to enjoy.
To his toilsome task he remains ever true
And credit him since credit he is due
For each unreturned trolley he returns a dollar he is paid
Than this there's easier money by far to be made.
poem by Francis Duggan

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