car loan a couple of months ago. That was … just about eight hundred dollars a month. Imagine if you put that money into savings instead of starting a new loan.”
“Well, I—”
“Yes, I know. Some of the dealers are offering these ‘no interest’ loans, but you’re an intelligent man, so I don’t have to explain that they make that up in the price of the car, especially on a trade-in.”
“Hmmm …”
A little color came into his face. “You take the car as a business expense, don’t you?”
“Uh … sure.”
“All right, look at it this way: the mileage allowance has gone up considerably. Your car certainly isn’t that old. And, with your loan paid off, you don’t have to carry the mandatory collision insurance, either.”
“I never thought of that.”
“How would you like to triple what your money is earning, starting today?”
“Sure I would. Only …”
“Instead of taking ten thousand out of your savings account to add to your car as a trade-in, you could turn that money into a CD. As you know, with the prime rate so low today, we’re forced to pay a really low interest rate on savings. But we have a dynamite promotional offer, starting this week. If you’re willing to purchase a thirteen-month CD with that ten thousand, we can give you a guaranteed two-point-two-five-percent return. Plus the safety and security of true FDIC insurance coverage. How does that sound?”
“It actually sounds pretty good,” I told him.
“And if you continue to do all your banking online, we can also give you free ATM usage. We have branches all over New York. I see you’ve only used your card … very rarely. One, two, three … eleven times in five years. So I guess that privilege wouldn’t be so valuable to you. Still, you never know when you’re going to need cash, anytime, day or night.”
“That’s true.”
“Well, we could offer you a choice of premiums, actually. Here, look this over while I print out your statement as of this morning.”
He handed me a strip of heavy, slick paper, with the bank’s name at the top. I could get a tote bag, an emergency road kit, a free safe-deposit box …
“This looks pretty good to me,” I said, handing it back to him, with my finger pointing out what I meant.
“Oh, it is. Everyone should have a safe-deposit box, for valuable papers, or bonds, or … well, anything you want to make sure is always protected, no matter where you live.”
“Sold,” I said, holding out my hand.
He shook it like he’d just closed a million-dollar deal.
When I left the bank, I left a lot of money behind. I don’t mean that CD—I mean three hundred K in the little safe-deposit box. I really had to pack it in careful; the “box” was more like a long, hollow metal slot.
The bank manager warned me not to lose the key to that box. If I lost it, they’d have to change the lock, and the charge for that was a hundred and fifty. He looked a little ashamed of himself for waiting to tell me that until after I bought the CD. I guess that’s why he waited to tell me the box was only free for a year. After that, it’d cost me twenty-five a month. I signed another card so they could automatically take that out of my checking account when the time came. I saw from the printout he handed me that they were already doing that with the bill for the cell-phone number on my business cards.
I got back on the subway, a local headed toward Manhattan. But I got off after only a few stops. After that, I walked.
If it wasn’t for the license number, I couldn’t have found the Mustang. It wasn’t even one o’clock in the afternoon, but the lot had a whole bunch of them. I knew mine was green, but even that didn’t narrow it down enough.
When I found mine, I pushed a button on the key holder. The car beeped once, like telling me I’d been right.
I got behind the wheel and headed back the way I’d just walked.
It was righteous of Solly to set me up with all the ID. That was way past what the rule called for: if you ride the whole beef for everyone in on the job, all that means is your share has to be there when you make the door.
Sometimes, it could be more than one guy going down, but the rules don’t