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In Time

Author: D Anthony, D-Rose Impressions, 12/99

* Excerpt from the motivational and inspirational book,
The Nurse in the Delivery Room Slapped Me... Once *

 

When was the last time you felt powerless? Have you ever really felt lost? Ignored? Victimized? Forgotten? When was the last time you felt alone? Imagine how overwhelming it would be to feel that way on a regular basis. Imagine the despair… the helplessness. Hard to comprehend being there, huh? Maybe we will… in time.

Working in the financial industry, I get the opportunity to interface with various customers. During these instances in addition to responding to account queries and executing account adjustments, I endeavor to positively impact the customer's mood and situation whenever possible. During a recent call I wasn't able to effectively impact either. To the contrary this call left me in a temporary state of despair. The gentleman, senior in years, explained, with some difficulty, his tenuous predicament. After growing progressively worse the last few years, his eyesight had recently deteriorated to a legally blind status. He had no family or otherwise dependable assistance, other than his aging wife (with her own state of diminishing health and capabilities). Squinting and magnifying glasses, for years the means by which he managed his own affairs, were now no longer viable.

As I listened to this humble yet obviously proud man with his lifetime of experiences, I painstakingly imagined what he must have been feeling. I pondered how difficult it must be to have worked so hard, and for so long, to manage the affairs for your family… for your home… for yourself - only to see your control dwindling with each passing day.

This man wasn't complaining, however. He wasn't looking for sympathy. And he wasn't asking for a hand out. This man was simply informing me, in an almost apologetic tone, that his fixed income and other bills would not allow a payment of five hundred dollars for the month. He didn't know how previous monthly statements had been overlooked - but he could make his standard monthly payment of one hundred and fifty dollars.

As I listened to his story, I felt for this man. He had no one to look out for him. He had no one to help him manage his affairs - no one to help him understand. My guess is during the time when this gentleman grew up a loan was money you got from someone who cared about you and your predicament. You borrowed the money, said thank you and paid it back as soon as you could. This man probably didn't fully comprehend what it meant to borrow a little money at a time and have escalating fees and annual percentage rates. Somewhere in the back of his mind he is probably trying to figure out how he can pay back money each month and never really see the amount owed decrease. He has no one to explain to him that on a ten thousand-dollar loan, with a twenty percent interest rate - eighty percent of his minimum monthly payment doesn't go toward paying off the loan. And to make it worse… he had other loans with other institutions.

When the call ended I just sat there thinking about his predicament. How did he get here? Shouldn't there be some kind of protection against this sort of thing? Where was the fairness… the allowances that come from a lifetime of doing the best you can? Where were his family and friends… the people who could help him to understand?

Each day the people our society should treasure and protect… the people, from whom we have the most to learn, find themselves in similar difficult situations. Organizations that neither know, or particularly care about their situations, are more than willing to extend long term, high interest loans. Seniors, whether because there is no where else to turn to, because of pride and the desire to remain self reliant, or because they do not understand the ramifications - willingly accept those loans. And whether it's to pay for skyrocketing medical costs, a gift for a grandchild, something target marketed via the local TV shopping channel, targeted mail and phone scams, food for the week, or expensive medicine required to make the pain go away - the bills mount, the financial hole deepens. Imagine what it must feel like to be between their rock and hard place …

Don't our parents, grandparents, uncles, aunts and neighbors deserve better in the later years of their life. After a lifetime of dedication, hard work, wisdom, concern, hopes and dreams - don't the seniors members of our society deserve a little more - more than being ignored… forgotten about… taken advantage of… and worse of all even abused. Throughout history most civilizations have held their elders in the highest esteem and treated their wisdom with the greatest respect. Why don't we? If we don't do something about their cycle of pain what does that say about our society… about us? And what are we teaching our youth? If we don't address this cycle of pain then what can we look forward to? Will advanced years bring us similar confusion, alienation, lack of control and despair? Will we grow to know what it feels like to be forgotten about… to feel unappreciated?

Only our actions and time will tell …

 

 


 

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