“Jimmy, we need you to pay up. It’s been weeks, now. Any longer and we’re going to have to start hurting people” said the man hidden in shadows. Jim had no idea where he was, he had been walking down the street when a blow struck him from behind, knocking him unconscious. He was just coming around when the heavyset man was speaking to him. He didn’t know where he was, but his nose sensed the strong smell of fish. The wharf, maybe? he thought while the man, who he only knew as Big Bill, began walking towards him. “You have one more chance. Meet us at the Point Pinos Lighthouse one week from now. You don’t, you might have an…accident in your house” the man whispered. “We’ll see you then”. Jim heard a noise from behind, then nothing.
Where am I? Jim thought as the world became bright again. Looking around, he saw grass, and a house in the distance – My house, he realized with a start. How did it come to this? What did I do? I’m going to need to talk to Laura…how did this happen?
“In other news, a Monterey man has won the state lottery, for a total sum of 1.4 million dollars. We were able to interview him as he accepted the check. When asked, he said that he was planning to go on an overdue honeymoon with his wife and buy a new house”. The announcer’s face disappeared as Jim turned off the television in the honeymoon suite by the beach.
“Honey, we were just on the news!” Jim cried from the lounge.
“I heard!” responded Laura, his newlywed wife. She walked into the room, sitting next to him. “Can you show me the house you are looking at again?”
“Sure, here we go” Jim said, opening his new laptop. “Right on the edge of town – spacious, luxurious, but close enough so that we don’t get removed from the city. How do you like it?”
“It’s amazing. And we have enough money to buy it?” Laura said in disbelief. “Yeah, we do. We can also get a car, new” he exclaimed breathlessly. “I don’t know what kind, but whatever it is, we can afford it. The house is only $600,000. We can buy it completely with cash, and never pay a mortgage ever again. We’d still need to find jobs, though.” Jim thought of his own fruitless job search. He had sent out over two dozen resumes in the past month, with no response. I’ll find something eventually. The money we have left over should be enough for a while. “What about investing all that we have left? The housing market’s going to boom again, soon – everyone’s talking about it”.
Laura hesitated, and then said “It sounds a bit…risky. I don’t want to lose all of this money we just gained. What about...half?”
Jim thought for a minute, then muttered “Okay, I guess that could work”.
After the honeymoon, Jim searched online for an investor specializing in real estate. Finding one, he called and arranged for a meeting. This is a great idea. I’ve looked everywhere, the returns look massive! As Jim walked into the office, he talked to Todd, the investor. “I see you’re looking to invest in…real estate? Might I recommend looking into buying foreclosed homes? They’re extremely inexpensive, with your budget; you could easily pick up two or even three. How does that sound?” Jim, skeptical, inquired more into the subject, and Todd convinced him that it would be a great investment. Jim signed the papers and headed home in his new Civic.
“Laura, I went through with it! We’ve got two foreclosed homes; they should sell within the year!” Jim cried across the house.
“Sounds great! I put the rest of the money in the bank!” After a brisk dinner, Jim sent out a few more resumes to prospective employers. Life is finally turning around, he thought as he fell asleep.
Months later, as Jim returns from his first day of work at Genetech, a red light is blinking on the answer machine. A new message? Who would call my home…maybe Todd? Intrigued, Jim clicks the button and a firm voice spills out: “Mr. Blunt, this is Kerry with the Monterey Police Department. We have some information we’d like to share with you. Please come down to the police headquarters in downtown tomorrow, Tuesday. Thank you and have a great day”. Jim shuddered, not liking what he was hearing. He firmly pressed the “Delete” button, not intending to tell Laura until he figured out what this was about.
The next day, Jim arrived at the police station and was greeted by a tall, graying man. “My name is Kerry, I’m a detective with the police force. Can we go into another room?” he asked, motioning to his office. The two of them entered, Kerry asking “Tea? Coffee?”
“No Thanks” responded Jim. “What’s all this about?” Kerry pushed forwards a massive file labeled “Todd Marshall Real Estate Fraud – CLASSIFIED”.
“I’ve been investigating fraud in the county recently, and one that slipped unnoticed until it was too late was one concerning Todd Marshall’s firm. He left the country a month ago, taking all of the money with him, while the value of the homes plummeted. I’m afraid in addition to losing your investment with him, you also appear to owe…$150,000 on the foreclosed homes.”
Jim had gone silent, his jaw open. He blinked a couple of times and stuttered “S-s-s-urely you can’t be serious?!”
“I am very serious, Mr. Blake. I would recommend you speak with an attorney as soon as possible.”
“But…I need to leave. Thank you”. Jim promptly left and headed down to The Devil’s Nest, a bar in the outskirts of town. Several hours later, he came home to a very cross-looking Laura.
“Where have you been?! It’s almost midnight! Is that alcohol I smell? What the hell have you been up to?!” Cringing, Jim explained what happened, and Laura gasped. “Oh my god…let’s talk about this tomorrow. You need to rest”.
I’ve lost almost all our money. We need it back. There’s a casino called the Gold Country….
Jim was hitting everything, from roulette, Texas Hold ‘em, and slots. A lot of slots. One of these damn times, it’s going to have to pay out….screw it. I’ll try Blackjack at the high tables. I’ve always been good at that. Several hours later, Jim was much more drunk and had a significantly lighter wallet. I’ve run out, he realized. Laura is going to kill me….if she sees our bank statement our marriage is as good as over. Checking his account from his phone, he saw that it was straddling the line close to $0 in the balance. I could talk to a loan person….they can help, until I get a promotion at my job.
Jim, his head still hurting from his encounter with Big Bill, walked into the house. “Laura, we need to talk”. Laura walked into their kitchen, looking quizzically.
“Wait, honey, you’re bleeding! What happened to you?! We need to go to a hospital as soon as possible!” “It’s okay, it doesn’t hurt that much. I need to talk to you”. Jim explained what happened, watching as Laura went from horrified to hurt and saddened. Tears welled up in her eyes as she said
“I need to go. Don’t call me, I’ll be back in a few days”. She stormed out of the room, and Jim heard the screech of tires as she sped away from the house. My life is ruined. My wife is gone, I’m going to lose the house, get beat, maybe even killed… Jim spent the night awake, not sure what to do. His company called in the morning.
“I’m sorry to inform you that due to drastic cuts we’ve had to make, your position has been terminated. Please come pick up your belongings within two business days, if you fail to do so, they will be disposed of.” That’s it, then. No job, no wife, no home soon…what now?
Richard had seen plenty of strange people walk into his store over the years, ever since he inherited Shear’s Guns and Ammo, so the average-looking man who walked into his store today didn’t cause him to blink. “Can I help you?” Richard asked from across the counter. “Yeah…can I buy that revolver?” the man said softly, not menacingly, but in a tired voice. “Sure, just show me your ID, and I can do a quick background check…..you’re clear. That’s going to be $200, you get 10 free rounds with the purchase, is that all?” “Yeah, that’s going to be it. Thanks.” “No problem, have yourself a good one!” Richard responded to the beleaguered man leaving the store. I wonder what’s on his mind…nothing a good round at the shooting range can’t fix, thought Richard as he flipped through the latest issue of Sports Illustrated.
The moon was shining overhead as a new Civic rolled up to the shoreline of Forest Lake. This is where I took her on our first date, Jim thought to himself. We listened to…102.8… Jim twisted the tuning on the car radio as an oldies station turned on. “Imagine me and you I do…” So Happy Together started playing…louder, louder as Jim cranked up the volume dial. He looked at the moon, the shining light. A single tear rolled down his cheek. He tightened his finger – the light of the world disappeared.