Tag Archives: credit rating

Credit Rating

funny wisdom on words that begin with a C

Credit Rating: a classification of credit risk based on investigation of a potential customer’s financial resources

You’ve probably never thought of it—or maybe you have—but shall we refer to it today as “the big four questions?”

The answers to these questions determine your suitability, respectability and popularity in our society.

  1. Are you skinny?
  2. Are you wealthy?
  3. Are you hip with the trends?

And question four:

Do you have a good credit rating?

We are so intense on question four that we have a number assigned to it, and that particular number determines whether you are considered to be “up and coming” or “down and trodden.”

While everyone is terribly concerned about racial inequality in this country, nobody is in the least troubled about the potential of judging another by turning to everyone and whispering, “He’s a 493…”

At that point, we are all supposed to understand that this person is either extraordinarily unlucky, a criminal or has absolutely no sense of what to do with a dollar bill.

Could there be a greater condemnation? After all, you can have black skin and put on a beautiful suit of clothes, walk into a room speaking great King’s English and even the white supremacists have to comment, “He’s one of the good ones.”

But if you walk in a room with a low credit score, it doesn’t matter what color your skin is, the condition of your clothes, your sparkling attitude or your smile.

You are a credit risk.

Therefore you are a social leper and a cultural bewilderment—similar to having financial AIDS.

That fact that this is the acceptable way we conduct business in this capitalistic climate does not seem to bother anyone.

There are many reasons you can have good credit.

There are even more reasons you can end up with bad credit.

I do not think we should do away with the system—but I think we should make sure that the system doesn’t do away with us.

 

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Ancillary

dictionary with letter A

Ancillary: (adj) providing necessary support to primary activities or operation of an organization, institution or system.

It’s a two-step process. At least, I think so.

This thing we call life–or the pursuit of it–affords a dual purpose:

  1. Find out what’s really important.
  2. Get behind the importance.

I’m tempted, like the next guy or lady, to be distracted by temporary terrors and fleeting fads. Matter of fact, I suppose to some degree there’s a certain amount of excitement in chasing your own tail.

But in the long run, or even in the short run, the most fulfilling way to live a human life is to be supportive of important things.

They are few. Isn’t that good? If there were too many important things, we could quickly become overwhelmed.

I remember when my mother-in-law died, her attorney explained that it would be our responsibility to make sure that final expenses and bills were paid. So feeling the need to come across as officious, I asked him to send us these expenditures quickly.

He laughed and said, “There’s really no hurry. After all, your mother-in-law’s not worried about her credit rating.”

Absolutely.

So even though money, status, clothing, food, family, houses, cars and possessions are always jockeying for our full focus, they really are not important.

They are needed–just not the kind of ideas and goals that should encompass our thinking.

So it really boils down to two things. Well, actually three:

  • God
  • Me
  • People.

And I am warned in the Good Book that I should take care of “me” first. Otherwise, I will be constantly nervous about covering my own behind.

And then, miraculously, God and people sort of merge into one project. Because truthfully, whatever I feel about people and how I treat them is the same thing I feel about God.

The Golden Rule is the most sensible concept ever devised. It tells me to find out what I want, then to assume that others also have wants and needs–and to be equally as sensitive to theirs as I am to mine.

It is the only way to be ancillary to the needs of our planet. After all, whether global warming or climate change is exaggerated or not, it certainly won’t hurt me to address kindness in the direction of God’s creation.

Whether there is crime in the world and immorality is insignificant to me finding my peace of mind and spreading that as a gift to others.

I will tell you as a friend, if you continue to chase the whim of our society, you will end up ignoring what is truly important, and therefore pass your time with trivial details, never being supportive of greatness.

Find out what’s important, and then suddenly everything you do … gains importance.

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