Would You Credit It? – Yet Again!

Would You Credit It? Yet Again!
The Credit Crunch – Ten Years on
On the 10th Anniversary of the start of the 2008
Credit Crunch former PM Gordon Brown has issued a dire warning
of the prospect of another one.

We’ve lost those days of easy spending
Supported by our banker’s lending
Good-bye to wine, blooms by the bunch
Thanks to the wretched credit crunch

How has this happened, what has gone wrong?
Failed to save for far too long?
Or in our dealings with the bank
Not always been entirely frank

The truth it seems is more elusive
The money men are quite evasive
You might have thought they would be frank
Helping us to trust our bank

Unknown to us behind the scenes
Our cash obscured by complex screens
Was sweetened up like golden honey
But ended up as “funny money”

In former days banks held deposits
And lent from deep within their closet
But now-a-days that’s not enough
Competition’s far too tough

So out into the money market
Like Mother Hubbard with her basket
To multiply her store of cash
Nothing ever seemed too rash

To profit from this increased store
The banks got ready to explore
Lending out to whomsovever
Re-inventing the “never-never “

It mattered not how you would pay,
Or from the contract you might stray
The banks were there to do a deal
No matter how that made you feel

If soon you found you’re out of luck
Re-payment made you come unstuck
Instead of payments made on time
You very soon became “sub-prime”

The US bankers took the lead
Meeting every borrower’s need
But very soon the world at large
Ensured they too had joined the charge

A new regime came into place
To grant huge loans and win the race
Thus none of us need ever wait
To meet our needs however great

Every banker now must sell
To prudence they all said farewell
But every spender really happy
Credit granted very snappy

But then it all became unstuck
Spenders seemed to lose their luck
As they began to hit the red
Bankers could not sleep in bed

Suddenly their glorious plan
Amazingly “had hit the fan”
Borrowers gathered at the dole
Bankers seemed to lose control

This enterprise had somehow stumbled
As one by one the moguls crumbled
Thus had begun what seemed quite viral
Disease around the world did spiral

Quite suddenly as if by stealth
The end of our financial health
No longer ever in ascension
Our house, our shares, indeed the pension

Well is there any consolation
Word of comfort for the nation
Perhaps it’s this – why do we trust
In things so quickly turned to dust?

A post script to these earlier verses
Shows that in banking not much reverses
In latter days we’ve seen PPI, Libor, and small firms squeezed
By mighty bankers who prefer themselves to please

Ken Fisher

 

Unwillingly to School

Unwillingly to School

“And creeping like a snail unwillingly to school”
Shakespeare – As You Like It

Spare a thought for our kids today
As once more they join the fray
Wave adieu to days of freedom
As to learning they are ransomed

Knuckle down to discipline
To instruction they must listen
Co-operate with earnest teachers
Help to build a brighter future

Parents too will find relief
Saves them from a lot of grief
As they despatch their young offspring
Called to classes as bells ring

Ken Fisher

Results!

Results!

To-day for Scottish pupils spare a thought
Whose awakening may be somewhat fraught
As they receive that communication
Which may not meet their expectation

Because to-day’s the day results arrive
To avoid them they cannot contrive
In the past they only came by post
But now by e-mail or text from coast to coast

So by whatever means each candidate
Hears news determining their fate
No doubt filled with apprehension
As they wait in expectation

For some of course it will be great relief
If their hoped for grades have been achieved
For others there may be some surprise
And future plans they must revise

The media no doubt will show beaming faces
Of high fliers locked in warm embraces
With teachers and parents full of admiration
Let’s hope the less successful find consolation

Whatever the results help to predict
By no means the definitive verdict
Exam success is surely not alone
By which our future worth be known

Ken Fisher

Time and Change

Time & Change

There is no stopping time’s progression
Its forward movement we can’t question
And as each year succeeds the last
We marvel at its speed so fast

The years progress at such a pace
It seems as if life is a race
Each month heralds something new
Novel sensations to value

Yet not for all, this speeding motion
Experiencing sluggish locomotion
The daily duty the quotidian round
Becomes for them life’s burial ground

One thing is certain what e’er the pace
With fear or joy we must embrace
The fact of change inevitable
Its advance inexorable

How to handle time and change?
From neither can we be estranged
Time sometimes called the fourth dimension
Change constantly prompts transformation

If we might learn time to contain
Within each day’s confining frame
And change accept with patient calm
Our souls thus shielded against harm

No force can e’er time’s progress halt
And change is part of life’s default
Within these elements seek contentment
Respond with grace and n’er resentment

Ken Fisher

Inspiration

Inspiration [The 400th Poem posted on the Bard of Kelvindale Site]

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Sometimes in trying a poem to compose
I am filled with feelings of frustration
No new thoughts can I propose
Mind blank, devoid of any inspiration

On other days ideas come teeming in
Thoughts tumbling over in profusion
From outside or sometimes deep within
No hesitation, no muddle or confusion

How to account for these opposing moods?
Why at times words readily are found
At others groping for my muse
Inspiration tightly bound

Ofttimes when no shining light has dawned
When no spark fires the imagination
And idea’s seed cannot be spawned
The page kept barren of proclamation

But in due time the muse returns
Muted voice strangely reawakened
Again with yearning the heart will burn
And taciturnity quickly forsaken

Thus o’er these years words shaped into verse
400 poems for your delectation
My thoughts before you I rehearsed
Grateful for your dedication

Ken Fisher

Turmoil

Turmoil

It has been said we are a nation in turmoil
Beset by confusion, upheaval, ferment and unrest
No still waters, everything kept on the boil
Unsure what to do, how to act for the best

The political scene is fraught with agitation
Factions convinced of the merits of their case
No sense of unity within the nation
The clamour of the marketplace

But turmoil is not just in the world external
Our very souls oft engaged in inner warfare
We have lost the desire for love fraternal
Obsessed by self we sink into despair

Would some power bring calmness to the storm
Restore peace where conflict still prevails
Make cool reason once again the norm
Rebalance the constant shifting of the scales

Ken Fisher

Etch A Sketch

Etch A Sketch

[On Etch A Sketch Day 12 July 2018]

 

I am sure if you recall your childhood days
One favourite toy with which to play
Was the Etch A Sketch tablet, a clever device
And parents were sure it was well worth the price

Because this novel invention could ‘wipe the slate clean’
And then begin to trace out a new magical scene
Using the two knobs to control the direction
We could bring our ideas into graphic perfection

The mechanical workings of the cunning machine
Allowed lines to be drawn thus creating a scene
One knob directs a line on the horizontal plane
The other one, vertical, but just the same

Thus by deft movement and manipulation
We can represent virtually any situation
Landscapes and portraits can all be displayed
And no budding artist will e’er be dismayed

So on this Etch A Sketch Day we fondly recall
Of the times when computers could not do it all
Giving thanks for the joy of this quirky possession
Unlike smart-phone usage – not inducing addiction

Ken Fisher

Waistcoat Wednesday

Waistcoat Wednesday

 

It matters not if you’re rich or poor
The new dress code makes it de rigueur
To be wearing this jacket without any sleeves
The humble waistcoat – would you believe?

The World Cup is surely not just about footy
It would appear that it’s still a Manager’s duty
To show as much style along the touch-line
As all the star players they ever did sign

Never mind the WAGS made up so classy
Dressed to the nines ever so flashy
It’s the boss who excels with such flair and poise
Surpassing the glamour of those girls and their boys

It is to Gareth we accord our congratulations
His success has matched all our expectations
And whatever comes next, at least we can hope
And if all else fails still wear the waistcoat!

Ken Fisher

 

Independence Day (4th July)

Independence Day

 

Greetings to our friends across the pond
Of whom, despite The Donald, we are quite fond!
Whatever might be your future fate
It’s bound to show that you’re still great

Of the Special Relationship no-one seems sure
But after so much time it should remain secure
And as the globe shrinks with every passing year
The cyber world perhaps brings greater fear

So thank you still for American Pie
And Stars and Stripes this 4th July
After 242 years as a new nation
You deserve warm congratulations!

Ken Fisher

Self-Congratulations

Self-Congratulations

Forgive me today if I succumb to temptation
And indulge in some self-congratulation
For today the overall total of visitors to my site
Reached 2,000 – for me a highlight

So to all of you out there who gave me chance
My poetic aspirations to slowly advance
I offer my thanks for your fortitude
And my heart felt gratitude

As you can see from the recorded statistics
Since starting this blog I have been persistent
Over 10,000 visits to the site have been made
As my simple rhymes I have boldly displayed

I never made any claim to special insights
But tried to reflect life’s triumphs and plights
And in plain language my views to express
Not seeking to elate you or cause any distress

I hope that you might yet wish to explore
The range of my work to be found in this store
And if perhaps I have brought you some pleasure
That will for me be reward beyond measure

Ken Fisher

The Bard of Kelvindale

June 2018

 

Summer Solstice 2018

Summer Solstice 2018

A glimpse of sunshine warms our heart
Flowers and leaves reflect the light
The gentle rays caress our brow
Our lips widen with a smile

For now the daytime stretches out
Filling each hour with gentle light
Dark days of winter long forgot
We rejoice in life outdoors

From this ‘crows nest’ of the year
We scan the horizon fore and aft
Behind, long hours of winter gloom
Then spring pregnant with promise

Ahead the prospect of summer warmth
And autumn’s gold and russet tints
But winter’s spectre lurks beyond
Vaguely threatening summer’s calm

Ken Fisher

Your Friendly Bean Counters!

Your Friendly Bean Counters

[A tribute to BN Associates – small accountancy Firm of the Year 2018]

 

Some claim that accountancy is really boring
And the subject is simply not worth exploring
But I would reject this view superficial
‘Cause accounting for business is most beneficial

Accounting can outline the state of our wealth
And strong cash flow is vital for health
If we find ourselves too deep in debt
Our creditors become a serious threat

So by keeping track of such vital numbers
Monetary issues should never encumber
And accurate accounting will show us the way
To monitor the business each working day

Enough of the system, it’s people that matter
And I don’t intend to unduly flatter
But I know of a squad who deserve all our praise
As they help their clients in so many ways

So today I offer warmest congratulations
To a firm now peerless within our great nation
So raise your glasses to Brett, David and team
As they tick every box and count every bean!

Ken Fisher
The Bard of Kelvindale