Banks
If I get that far.
We put $6,000 down on a $24,000 stone house atop a small knob on a 1/3 of an acre with cornfields on three sides and the County road on tother. That was our first home. That is where I truly realized that I was married with a child and a mortgage, and was probably fucked for life. The endless years of grit, grime, and sweat making steel passed way into the future. But I also got to really know a person that I share my life with today. And I STILL haven’t committed suicide- or murder.
So a couple of years down the road the powers that be decided to improve the road and of course the Mr. and Mrs. Kayak family abode stood smack dab in the middle of progress. So the State came by to discuss the terms under which we would be evicted from our little stone house. I documented the purchase price and $4,000 worth of improvements. The State said they would give me the $28,000 and up to another $8,000 IF the $8,000 was used to purchase another house. Mother Kayak didn’t raise no dummies, cepten mebbe one, and we were happy to spend that $8,000. The next place cost $42,000. The new 30-year loan was around 8% fixed but we still only needed to borrow $18,000. Mr. AL had retired, I forget who handled this one.
Ya know, it’d be down right interesting to find myself in the way of a road today.
So for some time I cashed my paycheck every two weeks at the drive-thru of SNB. And every two weeks I’d be asked, “Do you have an account here, Sir?” and I would reply—and anticipate her next question—“Yes I do, savings, checking and mortgage.” Banks don’t like to cash checks, they lose money doing it, so they only do it for their own customers. But there is a little known Federal Law that says that a bank has to stand behind a check that was issued from an account at that bank. That little nugget about Wheeling Steel from above fits in right here. Then came that day, one of THOSE days if you haven’t guessed, when I reached the point where I wasn’t going to take any more shit.
I pulled into the drive-thru and sent my paycheck off to Oz in a plastic tube and this perky, jerky, preppy chick that dressed like a man asks me if I have an account. I look at her, think a moment and say, “Maam, it doesn’t matter if I have an account, the law says you have to cash it.” And the conversation flowed about like this:
“Sir, we only cash checks for our customers”
“Maam, the law says you have to cash that check.”
“We have instructions not to cash checks except for customers of the bank.” (She said bank as if were capitalized.) “If you won’t co-operate I’ll have to call my supervisor.”
“That would be a good idea because I’m about to call the cops.”
This sets her back. Now she’s looking at her amigo’s back there behind the bulletproof glass. And Miss. Preppy, all smiles and dignity a moment before, has a potty mouth when the microphone is off. Asshole seems to be her favorite adjective. But that’s OK, I’ve been called an asshole by professionals. The supervisor shows up. A discussion breaks out between Miss Preppy and the suit. The suit gets on the mike and tells me they only cash checks for customers.
“Sir, that check is drawn on an account in this bank. Federal law says you have to honor it.” He looks down at the check, looks out at me.
“Sorry about the mix-up, I’ll have the clerk take care of you.”
“Thank you.”
But it wasn’t a mix-up. They didn’t train their employees properly.
So the chick sends out my money with a smile and a thank you. So I say, “Thank you, Maam and by the way, I’m not really an asshole, I just know what the fuck I’m doing, unlike you”.
It’s kind of like those people at Wendy’s. I always order a single with just ketchup. That way you get the next burger off the grill and it’s usually hot and juicy. And the person behind the register always says, “Would you like cheese on that?”
What I would like to do is grab them by the shirt and say, “What the fuck did I just tell you? I said ‘just ketchup’. ‘Just ketchup’ means I don’t want any lettuce, pickles, mustard or fucking cheese.” But I settle for “No thanks, just ketchup.”
So a few weeks later I’m talking to a guy at work and he asks me about my mortgage. I tell him it’s 8% fixed. Now it’s true that interest rates were falling at the time but they hadn’t dropped enough for me to re-finance. And this guy calls me a dumb ass because he has a variable rate mortgage and is only paying 5% or something. Well a year went by and one evening he starts telling me about all the trouble he is having since his variable rate mortgage hit 16%. I laconically replied that I had a 8% fixed. It’s odd though that I was a dumbass the year before but he didn’t say I was a genius when the table turned. That happens a lot.
Well over time I remodeled the $42,000 house and reached the point where I had to get out of the City for the sake of my sanity. The house sold for the same $42,000 I paid for it. Hey, easy come easy go. The next place cost $62,500. We were moving out and up. And this time I again had to borrow $18,000. I got it at 6% fixed for 30 years- again. At SNB- again. Then a couple of years down the road I couldn’t pay my mortgage at the bank anymore and instead had to send a check to some damn place across the country. The bank had sold my debt. I cashed out of the bank and borrowed from another. BankOne took over a few years later. Well after about 10 years there was a strike coming up. I figured it would be a long one so I finagled my finances around and paid off the mortgage 2 months before the strike. The strike ended a few weeks past one year. I could have held out for 5. So I began making “mortgage” payments to myself. Sold that $62,500 place for $110,000 and bought in town at $128,000, paid cash fer it. Only had to add---$18,000.
It’s odd that continuities entwine throughout our lives, joining all the pieces strewn out across our days. One of my continuities was that $18,000. I wonder if that will be the cost of my funeral?





















































