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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Aspen: (n) a municipality which is the county seat and most populous city of Pitkin County, Colorado. dictionary with letter A

Often we must drive through the cold to get to the hot.

It is a fact of life which we forget because self-pity is so readily available in our repertoire.

Last year I went through a distressing time, when I questioned many of my talents, aspirations and mostly, my fortunes. I took a couple of months just to self-examine.

Such introspection is very fruitful at first, but after a while can become dangerous, as you start slicing into your bones. Soon I needed a way of escape.

I had immobilized myself and was desperately in need of an exit strategy. So I made a quick plan to escape my season of self-perusal and started to move back into the land of the living.

Yet my plan of action really sucked.

So I found myself on Easter Sunday morning driving through the Rocky Mountains with snow falling all around me in my vehicle that was less than suitable for such a wintry mix, wondering if I was going to slide off the mountain into the “Valley of the Shadow of Death.”

Along the way, I passed a town in Colorado called Aspen.

It is filled with expensive bungalows and lodges to accommodate the more wealthy members of our society, who want to get away and pretend to ski, while spending most of their time sitting by the fire in $1000-dollar outfits, sipping well-pickled cider.

(As you can see, I was a little resentful of their prosperity.)

I was not destitute, but certainly lacking the funds to make me totally content.

  • Maybe it was the cold.
  • Maybe it was the drippy snow.
  • Or maybe it was a lacking in my character.

But I started to feel sorry for myself. It was so silly.

I was just driving through some cold to get to a warmer place. It happens.

I suppose if you have enough zeroes at the end of your bank account balance instead of in the front, then Aspen could be a very nice place to visit.

On that particular Easter morning, it was a chilling reminder of my depleted condition as I quietly drove on … seeking for resurrection.


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Thank you for enjoying Words from Dic(tionary) —  J.R. Practix


by J. R. Practix

dictionary with letter A

Abracadabra: (exclam.) a word said by magicians when performing a magic trick.

You see, it’s right there in the definition. Almost every time you see the word “magic,” it’s followed by “trick.”

It’s amazing that we spend most of our lives looking at our talent, our circumstances and our potentials, hoping to wave a magic wand over them and say “abracadabra.” Then for some reason, we’re disappointed and even angry when the rabbit doesn’t leap out of the hat.

Is there magic? Or is it all just a trick? Is magic the best way to manipulate people into doing what you want them to do–or worse–doing nothing?

I remember it a little differently. Does anybody else remember, “Abracadabra, please and thank you?” I’m thinking maybe I heard it on Captain Kangaroo. I like that.

So when “abracadabra” stalls,  you move on to “please.”

Yes, sometimes it’s a good idea to abandon magic in favor of manners. Truthfully, you can get a lot further being mannerly than you can by waving a wand in the air, demanding your will. I would not decry the validity of some forms of magic, but honestly, I’ve botten much more accomplished in my life by saying “please.”

If you happen to be so talented, gifted, powerful and wealthy that you don’t ever have to ask “please,” you will end up counting your money alone in a room on Christmas Eve, waiting to be spooked by three ghosts.

Magic is interesting, but manners are powerful.

Which leads to the final part of the phrase: thank you.

Yes, as wonderful as manners may be and as much as they may bring good fortune your way, nothing is more magical and supernatural than thank you. “Thank you” is permission for life to give you more, without fear of wasting it. If I were God, I would certainly be more generous to those who knew how to compose a thank-you note.

“Thank you” is the key that unlocks every crusty heart that has given up on humanity and has decided that life is futile. Even when it’s coerced out of a little kid slurping on an ice cream cone that was just given to him by a mother who is trying to teach the value of appreciation, it still is endearing and cute as he lifts up his little head, and through globs of gooey cream, mouths, “Thwank woo.”

It makes you want to give him another cone.

So you can pursue the magic of “abracadabra,” but it’s not nearly as good as the majesty of “please.” And as magnificent as the mannerly “please” may be, there is NOTHING as powerful as “thank you.”

Of course, you can cover all your bases, and say, “Abracadabra, please and thank you.”