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We haven't really gotten the credit for what we have done.

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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

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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.”

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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

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Buy Me A Condo

Gonna buy me a condo
Gonna buy me a cuisinart
Get a wall-to-wall carpeting
Get a wallet full o credit cards
I gonna buy me a condo, never have to mow de lawn
I gonna get me da t-shirt wit de alligator on
Wo, used to live in jamaica but I dont live dere no more
Had to change me lifestyle
Do tings I never done before
So now Im just a lonely rastaman
Living in dis american town
Gonna sell me bob marley records
Gonna get me some jackson browne
I gonna buy me a condo
Gonna buy me a cuisinart
Get a wall-to-wall carpeting
And get a wallet full o credit cards, eh
I gonna buy me a condo, never have to mow de lawn
I gonna get me da t-shirt wit de alligator on
Wo, gonna cut off me dreadlocks
Trow away all me ganja
Ill have a tupperware party
Maybe join me a health spa
Ill get a bowl of plastic fruits
And a microwave oven, too
Then Ill have the neighbors over for a weenie barbeque
Gonna buy me a condo
Gonna buy me a cuisinart
Get a wall-to-wall carpeting
Get a wallet full o credit cards, oh
I gonna buy me a condo, never have to mow de lawn
I get a funny little t-shirt wit de alligator on
Aint gonna work in de field no more
Gonna be amway distributor
Aint gonna work in de field no more (no, no)
Gonna be amway distributor
(ja) ja, ja, ja, life is so very hard
I need a (ja) ja, ja, ja jacuzi in me back yard
Oh, I gonna buy me a condo
Gonna buy me a cuisinart
Get a wall-to-wall carpeting
Get a wallet full o credit cards, eh
I gonna buy me a condo, never have to mow de lawn
I gonna get me da t-shirt wit de alligator on
Whatd you say?
I gonna buy me a condo
I gonna buy me a cuisinart
Get a wall-to-wall carpeting
Get a wallet full o credit cards, oh
I gonna buy me a condo, never have to mow de lawn

[...] Read more

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The Candidate

This poem was written in , on occasion of the contest between the
Earls of Hardwicke and Sandwich for the High-stewardship of the
University of Cambridge, vacant by the death of the Lord Chancellor
Hardwicke. The spirit of party ran high in the University, and no
means were left untried by either candidate to obtain a majority. The
election was fixed for the th of March, when, after much
altercation, the votes appearing equal, a scrutiny was demanded;
whereupon the Vice-Chancellor adjourned the senate _sine die_. On
appeal to the Lord High-Chancellor, he determined in favour of the
Earl of Hardwicke, and a mandamus issued accordingly.

Enough of Actors--let them play the player,
And, free from censure, fret, sweat, strut, and stare;
Garrick abroad, what motives can engage
To waste one couplet on a barren stage?
Ungrateful Garrick! when these tasty days,
In justice to themselves, allow'd thee praise;
When, at thy bidding, Sense, for twenty years,
Indulged in laughter, or dissolved in tears;
When in return for labour, time, and health,
The town had given some little share of wealth,
Couldst thou repine at being still a slave?
Darest thou presume to enjoy that wealth she gave?
Couldst thou repine at laws ordain'd by those
Whom nothing but thy merit made thy foes?
Whom, too refined for honesty and trade,
By need made tradesmen, Pride had bankrupts made;
Whom Fear made drunkards, and, by modern rules,
Whom Drink made wits, though Nature made them fools;
With such, beyond all pardon is thy crime,
In such a manner, and at such a time,
To quit the stage; but men of real sense,
Who neither lightly give, nor take offence,
Shall own thee clear, or pass an act of grace,
Since thou hast left a Powell in thy place.
Enough of Authors--why, when scribblers fail,
Must other scribblers spread the hateful tale?
Why must they pity, why contempt express,
And why insult a brother in distress?
Let those, who boast the uncommon gift of brains
The laurel pluck, and wear it for their pains;
Fresh on their brows for ages let it bloom,
And, ages past, still flourish round their tomb.
Let those who without genius write, and write,
Versemen or prosemen, all in Nature's spite,
The pen laid down, their course of folly run
In peace, unread, unmention'd, be undone.
Why should I tell, to cross the will of Fate,
That Francis once endeavour'd to translate?
Why, sweet oblivion winding round his head,

[...] Read more

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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.

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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.

[...] Read more

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A Wanta Be

Pity all the wanta bees
drones to misfortune
short cut seekers to fame
beware hidden strings
to make a puppet dance!

Do you know a wanta be?

Andy G is an incurable wanta be
poor fool he wants to be rich famous
to live the life a fabulous dream life
one of those people who will always spend
all their salary plus more always more

always broke so he self cursing claims
except when secretly spending
always spending spending spending
running up new credit card debit
credit card debit is a vicious scary trap

highest interest readily bank available
springs shut like a clamp clam
when maxed out your purchase quota
no interest no interest no interest
for three six months pulls suckers in

credit card debit is a deadly sickness
infecting spend spend spend target pigeons
come pay day minimum payment
is one day more required than you can ever pay
more than you can pay with food bills manage

now juggle bills finances spend master
mortgage luxury purchase payments
here comes lurking repossession master
taking back toys temporary joys
leaving horrible black holes holes holes

in your hollow empty souls souls souls
stripping house flat bare of furnishings
rooms bare cupboards bare do you care
credit card fraud juggler credit card fraud
is a crime to jail you must go go go

possessions people do not make us happy
we must find that happiness within ourselves
it is not the duty of any except ourselves
to find life purpose to fill all the empty spaces
forget false dreams temporal credit card bliss

[...] Read more

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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!

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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! ~

[...] Read more

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Credit Crunch Punch

I had a hunch about the credit crunch
Now it is making an unusual loud scrunch

Take a look at the whole financial bunch
Stock brokers make money on just a keypunch
Millionaires overspend on exquisite lunches
Those in poverty get the credit crunch punch
While many in this world cannot afford brunch

I had a hunch about the credit crunch
Now it is making an unusual loud scrunch

With Governments pumping billions into bank
As Banks claim to have an empty money tank
Everyone moans about previous inadequate loans
But the inevitable can no longer be postponed

I had a hunch about the credit crunch
Now it is making an unusual loud scrunch
As we all have to face the credit crunch punch

Coypright 2008 - Sylvia Chidi

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Credits and discredits

To love back one who loves you
Is not a credit that you deserve.
It is a debt cleared.

To love one who doesn’t love you
Is not a credit that you deserve.
It is your investment.

To love one on sexual ground
Is not a credit that you deserve.
It is to feed your hunger.

Though you deserve no credit,
If you don’t employ such loves
You will get discredits.
27.02.2010

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Thanks To You

(jesse winchester)
Well goodness is it really real
It would take a baby child to know the way I feel
On my flutter in the blue
I would take the credit but its thanks to you
Ooh yeah Im a sinner and
I aint some beginner
Ill uncork a pint of trouble
Sit down and drink a double
Im thirsty for somethin lighter
Thatll get me even tighter
And tighter until one day
I think I hear angels play
Well goodness is it really real
It would take a baby child to know the way I feel
On my flutter in the blue
I would take the credit but its thanks to you
Now someday up in glory
Well Ill weep and tell the story
To someone who will smile and say
Youre a mess but youre my child
Goodness is it real
It would take a baby child to know the way I feel
On my flutter in the blue
I would take the credit but its thanks to you
Now someday up in glory
Well Ill weep and tell the story
To someone who will smile and say
Youre a mess but youre my child
Goodness is it real
It would take a baby child to know the way I feel
On my flutter in the blue
I would take the credit but its thanks to you

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Headache

This wrinkle in time, I cant give it no credit
I thought about my space and I really got me down
(got me down)
Got me so down, I got me a headache
My heart is crammed in my cranium and it still knows how to pound
I was counting the rings
And I fell me into sleep
I peeked to see if you were way back when
I was counting the trees
Until a day when there was one
Id hoped beneath, asleep is where that you had been
This wrinkle in time, I cant give it no credit
I thought about my space and I really got me down
(got me down)
Got me so down, I got me a headache
My heart is crammed in my cranium and it still knows how to pound
Well, I found you
Maybe you can help me
And I can help you
This wrinkle in time, I cant give it no credit
I thought about my space and I really got me down
(got me down)
Got me so down, I got me a headache
My heart is crammed in my cranium and it still knows how to pound
Got me so down, I got me a headache
My heart is crammed in my cranium and it still knows how to pound
This wrinkle in time, I cant give it no credit
I thought about my space and I really got me down
(got me down)

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Ries Wagon

Gonna take that medicine, a cold, cold medicine, make me what I am
Gonna go down steady, gonna get my measure, I got credit with the medicine man
*said Im on fire, Im on fire
Well, he mix the medicine and he take credit when he puts it in my hand
Gonna go down steady, gonna get my measure, I got credit with the medicine man
*said Im on fire, Im on fire
Ries car runnin me over but I dont mind
Ries car drivin me homeward cos I dont drive
Ries car runnin me over, runnin me over but I dont mind
Ries car drivin me homeward cos I dont drive
Well, Im smokin in bed again, I didnt get the sign that said I should be up by ten
Gonna go down steady, gonna get my measure, I got credit with the medicine man
*said Im on fire, Im on fire
*said Im on fire, Im on fire
*said Im on fire, Im on fire
*said Im on fire, Im on fire
Ries car runnin me over but I dont mind
Ries car drivin me homeward cos I dont drive
Ries car takin me over but I dont mind
But I dont mind
But I dont mind
But I dont mind

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The 'Look-At-Me-And-What-I've-Got-Type

I've met a few snooty people in my days.
The ones who perceived themselves,
Better than others...
Because of a higher mortgage the had to pay.
Or the ones who bragged about their good credit.
And would announce the number of their credit cards,
To anyone for a quick display.

And those who were comfortable being who they are,
Always attracted my attention with admiration.
Those who were comfortable being who they are...
Were honest with themselves.
And to me this was a priceless possession.

People who talk about their stocks and bonds,
And investments they live on...
I don't fault them for what they believe is security.
People have their values and I respect that.
It is the ones self obsessed who appear to thrive best,
On masquerading their unhappiness....
With a projecting of pretentions the try to hide,
In a shallowness of emptiness.

The 'look-at-me-and-what-I've-got-type'.
You know...
The ones climbing down from their high horses,
Hoping not to be seen at night.
Since today the economy,
Has their mouths and lips shut firmly tight!

I've met a few snooty people in my days.
The ones who perceived themselves,
Better than others...
Because of a higher mortgage the had to pay.
Or the ones who bragged about their good credit.
And would announce the number of their credit cards,
To anyone for a quick display.

Well...
Those who were and 'still' comfortable being who they are,
Always attracted my attention with admiration.

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If

[Intro - Nelly]
Dirty E N T
We All We Got
StarTracks on the G-M-B
[Verse 1]
I'm not the man sittin' next to the man
But I'm the man sittin' wonderin if I'ma ever see you again
If imma ever get the chance to hug and squeeze you again...
I swear never leave you again
You ain't gotta worry bout it (Woo)
Dirty is simple man
I run up on you, "man and all", I ain't no minute man
A G-4 headin' straight for Switzerland
Or independent 8-Mile down to Michigan
She so sit (man) an S-T-L Hottie
Apple bottom demin
The flyest thang in the party
Baby last could it be Mo-Lotte?
Got mo' back than she got body (Eh!)
Fall back, get 'Cris and drin' it up
Tomorrow hit the mall
And 'Cris you d-it up
Credit card to the max
Come Back!
I re. it up
If I'm movin' too fast fo' ya
Hurry to speed it up
Or ease up, whichever one you prefer
The yellow diamonds or the whites
Whichever one you prefer
Cali we do the drop
New York we do the furr
East Coast West Coast whichever one you prefer!
[Chorus]
(If I could...)
Take you...
Around the world...
(Take you around that w-orld
Then shorty would you be my girl...)
Hey
(Would you be my?)
Buy you cars (Woo), credit cards (Woo)
Big jewelry with diamonds, girl
(Would you still be my girl?)
Hey
(Would you be my?)
[Verse 2]
No NBA but I can handle rock
I'm a different kindda' balla' baby, feel or not (Feel or not)
Yea I'm a playa' and I crush a lot

[...] Read more

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When My Good Credit Debited My Kingdom

Suddenly I saw my fortunes rise.
And suddenly my luck got,
Busted.
That which I had vanished before my eyes.
And suddenly nobody I...
Trusted.

Entitlements...
Gone.
Gone when my good credit debited my kingdom.
Possessions I had...
All gone.
And feeding on impressioons I kept,
Left.

Gone!
All gone,
When my good credit debited my kingdom.

Suddenly I saw my fortunes rise.
And suddenly my luck got,
Busted.
That which I had vanished before my eyes.
And suddenly nobody I...
Trusted.

Gone!
All gone,
When my good credit debited my kingdom.
They're gone!
All gone,
When my good credit debited my kingdom.

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Mute claimants

The child underwent kindergarten.
The teacher and the parents took credit.
The growth of the brain was a mute claimant.

The stiff cough was at last cured.
The syrup and the pills took the credit.
The white corpuscles were the mute claimants.

She was sexy to men around.
Her make up and costumes took the credit.
Her Oestrogen was the mute claimant.

He was in the heart of many women.
His purse and muscles took the credit.
His testosterone was the mute claimant.

Histories are woven by false threading
08.03.2009

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From Bare Despair Prepare Rare Future Fair

Strangers in strange lands where nature's maps
are daily altered: who can tell, perhaps
utopian dreams may one day be fulfilled -
what wishes we project with one 'perhaps'!

But that 'perhaps' with other minds must be
shared or entrusted till eternity
when bell and tale are told, both drum and gong,
before too long all meet their destiny.

Another week ticks off its finite hours,
last leaves weak fall, distressed are hedgerows, bowers,
no rainbow reign, polluted heaven spans
streams as polluted, mole in burrow cowers.

Today tomorrow's fears must count the cost,
of vested interests, while, with fingers crossed,
fire, freeze turn topsy-turvy, climates change,
strategic opportunities are lost.

Most are bewildered, having pushed their luck,
they find dice loaded, - chicken lacking pluck.
When all is balanced, weighed within the mind,
game years behind were wasted, came unstuck.

And so the well laid plans of mice and men
turn sour, devour their children, - in suspen-
sion stays spoke that can't stay fate's wheel, wry jest
unspeaking which unspoken rolls... Amen!

More time to spare may lead to pastures green
obscured by clouds, unlit by moon serene,
or desert dune oasis hide where rest
may not prove mirage, harvest joy to glean.

I saw myself in wa[l]king dream beside
a river which flowed out to meet time’s tide,
fresh waves to salt waved greetings as they passed
to ice-free ocean, plankton pushed aside.

A watershed, which never tears shall show,
approaches and one knows not where to go,
wide world won’t wait while weighing arbitrage
with options harsh displacing comfort’s glow.

New cock may crow, fiends' jeers turn cheers from friends,
phantom mime timer trickles, makes amends,
for false pretence whose stings show one still feels,
may heal hurt, harm injury within which ever rends
the spirit from external casing show

[...] Read more

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