2021 Holiday Poem

‘Twas the holiday season and one that’s far different
As we try to stay positive and not be ambivalent
There’s been some bad stuff, but a lot of good too
With hopes for better times beginning to shine through.

Folks were keeping safe at work and in homes
Trying to stay happy despite all the unknowns.
And I working hard in my makeshift home office
Was looking for clues as to what this year might have taught us

When outside my window I heard such a clatter,
I sprang from my chair to see what was the matter.
I pulled up the blinds and lifted the window
Then leaned my head out to see what was below.

The light from the moon and neighbor’s decor
Cast a glow o’er the yard like I’d not seen before.
When what, in amazement, did these lights finally show,
But a rather large man, face down in the snow.

All I could see were the red clothes that he wore,
And it looked just like Santa, though I couldn’t be sure.
I ran quickly down to help, since he seemed so distraught,
But there was more going on than what I first thought.

As I helped him get up, I heard from my roof
The scraping and banging of numerous hoof.
I looked and saw reindeer, but not the usual eight
And as I hoisted him up, he said, “Man, we’re so late”.

“I’m down to five reindeer and two are the backups
Which is leading to more than just a few crack ups.”
I asked what had happened, why the reindeer depletion
And was it keeping him from his delivery completion.

“It’s sure slowing me down”, he said, “but that’s not the worst,
Everything’s been going wrong; it’s as if we are cursed.
First the reindeer got sick, then my sleigh lost some magic
And I keep falling off roofs, it’s really quite tragic.”

He went on to explain trouble with his ion shield,
Charged particles held together by a magnetic field.
He said it protects him from the heat on his flight
And without it he’d be just a fireball in the night

Then there was the drop in repulsive energy he’s using
Which compensates for gravity so he can keep cruising.
I was saddened to see him so dejected and down
And I’d never seen Santa’s face wearing a frown.

I pretended to understand though I was really quite lost,
But I knew I had to help him no matter the cost.
I assured him there was no curse and things would improve
He just needed some help getting back into his groove.

So I thought and I thought what it was I could do
I had no experience with this nor did anyone I knew.
Then I suddenly realized and became quite ecstatic
The answer was what Santa said, it was all about magic.

 I said, “Remember who you are and what you symbolize
If you think long and hard I know you’ll realize
That the solution you seek is not some radical cure
It’s something more subtle and something more pure.

What drives you each Christmas and us through the year
Is the magic around us daily in all we see and hear.
It’s the love that we share, the laugh of a child.
he closeness of friends and the warmth of a smile.

It’s the kindness of strangers, the beauty of nature
That fills our souls knowing we’re part of something greater.
This then creates the magic we all need for your fuel
And makes everything right on this and every yule.

Santa then glowed with Christmas spirit and knew all was fine
His status back in intact with everything working in time.
He said, “I can’t thank you enough for the help and understanding
And patiently listening and my problem comprehending.”

So I got out my ladder but he just flew up to the roof
If I had any doubts he was fine that was my proof.
His ion shield began to shimmer, his repulsive energy sped
And the reindeer became focused on the journey ahead.

He said, “This Christmas day and every day after
Cherish the good times, the smiles and the laughter.
Make each moment count, don’t let things go unsaid
And may happiness be yours on the road yet ahead.”

Then he jerked on the reigns and the sleigh it did soar.
And I felt optimistic for what the future had in store.
Then he said with a laugh as he flew out of sight
“Merry Christmas to all and to all a good night.”

Mike MacPherson
President and CEO
Freedom Federal Credit Union

Is Inflation Here to Stay?

Is Inflation Here to Stay?

Q: It seems like I have to take out a second mortgage just to fill up the gas tank and restock the pantry. Are these inflated prices a forever thing?

A: According to the most recent report by the Bureau of Labor Statistics, U.S. inflation is currently running at a 30-year high of 6.2%, and it’s showing no signs of slowing.

Inflation is not going anywhere soon

Rising prices in just about every sector is the new norm. The inflation rate fell at the start of the coronavirus pandemic, and during the nationwide lockdown. In March 2021, though, when the impact of halted manufacturing began hitting the market and crude oil prices started climbing, the inflation rate increased to 2.6% before hitting its current high of 6.2% in October. Experts, like the Trading Economics information technology company, had predicted that number would be around 5.5%, but even that prediction fell short.

Unfortunately for the average consumer who’s struggling to cover expenses amid rising costs, this means inflation isn’t going anywhere soon.

Why are prices so high?

There are several factors for the inflation bubble. First, suppliers are still catching up on production shortages that were caused by factory shutdowns during the pandemic. Second, climate disasters, like California wildfires and a drought in Brazil, are responsible for driving up prices in the food industry. The demand for higher wages, partially caused by the 11 million job openings in the U.S., and the rising cost of gas, are contributing to inflation as well.

What can consumers expect in 2022?

While no one can accurately predict the future, economists are expecting inflation levels to taper off by the middle of 2022. According to a survey conducted by the Wall Street Journal, many are expecting inflation to drop to 3.4% by June 2022 and to continue falling until it hits 1.8% by the end of the year.

 

Your Turn: When do you think the inflation rate will fall? Tell us about it on Facebook, LinkedIn,Twitter, or Instagram @FreedomFedCU.

 

About Freedom Federal Credit Union

Freedom Federal Credit Union is a community-chartered federal credit union offering consumer financial services to those who live, work, volunteer, worship, attend school, or have family in Harford and Baltimore Counties. Additionally, Freedom offers a full-line of banking services for all businesses, associations, and other organizations that are based in Harford or Baltimore County.  Freedom has been in business since 1953 and has six locations throughout Harford and Baltimore County. To learn more, visit freedomfcu.org.

 

Best of Harford County

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Here at Freedom we appreciate and value all our members and local partners. We are a community-chartered credit union offering financial services to those who live, work, volunteer, worship, attend school, or have family in Harford County.  Freedom has been in business since 1953 and has six locations throughout Harford and Baltimore County.

If you’re happy with your experience at Freedom, we need your vote to win best Bank/Credit Union in the Harford’s Best Readers Poll. With your help, we would like to be voted Harford’s Best Credit Union in 2021!  

Votes are being collected now until 5pm on December 5th. Please click on the link to easily vote or select Freedom Federal Credit Union in the Personal Services Category, Best Bank/Credit Union!

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