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" I went in and found a pretty conventional office with an elderly man sitting behind a desk. He looked up as I entered and said, "Good day, Sir. How may Anders Financial Co. help you?"He pointed to a chair, and I sat down. I said, "Are you Mr. Anders?" Oh, no," he said, "I'm Joseph Smith. Mr. Anders lives on the other side of the county. I'm just the clerk for this office. How can we help you?" Suppose I needed to borrow $25 for this year's taxes. How much would it cost me?" Just a moment while I get out the chart. Yes, here it is. The interest would be $10 fer the first month. However, there is a penalty clause ifen ya don't pay back the principal and interest in the first month." What's the penalty amount ta?" Well, it's pretty steep. It comes ta 400% of the principal. But that's the deal. It's a "take it or leave it" offer." Shit, That's $100 in penalty fer a $25 loan at 40% interest. So, ifen I went two months without payin', I'd owe $145. Ain't no way I'll do that ifen I kin. “About two years ago, we were in her Jacuzzi. We were both getting off on the jets. Afterwards, Sharon asked if I’d had someone go down on me yet. I told her no, and asked if she had. She said she had had a couple of people do it. I asked how it was. Sharon said that the first time was Tyler Stevens, a boy from our class that she went with for a while. She said it was weird; he licked her like he was lapping water. She said the second time she got “eaten out’ she called it, it was amazing, better than the Jacuzzi. I asked who did it. She said it was a girl. I was surprised. I tried to think of which of our friends did it to her. I asked if it was Karen, or Nicole. I knew they both liked girls. She said no, and I thought she wasn’t going to tell me. Then she just kinda blurted out ‘Denise’.” I shifted a little, giving my cock room to grow, and Rach giggled a little. “Get to the good stuff” I said impatiently. “O.K. O.K., be patient.” She giggled some more, then.
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