The Great COVID19 Heist Part 1

Benny Cunningham’s morning routine was the same. It came easy to the ex-con. When you spend anything more than a few months in prison, like Benny had, regimen came easy. Wake up, cigarette, shit, shower and shave. Pour milk of questionable age into bowl with Lucky Charms, another cigarette.

 

What was different today, like it had been for the past week, was what came after. Pull white Tyvek suit over clothes, gloves and goggles. He hadn’t asked where his associate Andy Chang got the suit, he only asked that it pass casual inspection and to get at least 5 more sets. 

 

Benny would handle the rest.

 

Benjamin Ezra Cunningham had done 5 years in Federal Prison for a string of white-collared crimes. Counterfeiting, wire fraud, computer fraud and a host of other minor crimes. It was a great disappointment to his mother, and he was the black sheep of his Long Island Jewish community ever since. 

 

“You should have been a doctor!” he heard his mother’s voice as he zipped up the final fastener. His brother Andrew was the doctor of the family, and it made Seder dinner especially tense.

 

“Wish in one hand, ma,” he thought as Andy honked outside. He grabbed his newly made CDC badge, clipboard and pen, giving himself a once over in the mirror. The white Tyvek suit went from his boots to over his head. It was pulled snug around his face. The rest of his facial features covered by a pilfered N95 facemask and goggles.  Completely legit looking while simultaneously ordinary and forgettable government drone. Perfect.

 

He bound down the stairs and into a white windowless Ford Transit. It was stolen of course, but a very much legit government vehicle. Andy Chang’s specialty was petty thefts of various kinds. There wasn’t a car he couldn’t hotwire, or burglar system he couldn’t get through. Unlike Benny, Andy had managed to stay out of prison while still being a delinquent. The son of a successful security salesman made sure he knew how to cover his tracks. Benny knew not to ask the man his reasons for choosing a criminal life; the most he could figure was that he was bored.

 

The van was pilfered from the US General Services Administration building uptown. Pilfered is a strong word. While the city was slowly turning into a lockdown due to the COVID19 virus, Andy had walked in with very real looking CDC papers and just took it. After he told the drone behind the check out desk that he was a COVID19 tester, the woman threw the keys to him and told him to leave the (very fake) paperwork at the door. As a non-essential government service, no one was using it anyways.

 

The back of the van was filled with a handful of cheap Harbor Freight pump sprayers and large nondescript duffle bags. Beside them, three other people in equally non-descriptive Tyvek suits, masks and gloves. It was important to Benny that everyone’s masks and gloves looked the same. The US government loved its uniformity, and one too many Blues Brothers movies told him uniforms meant legitimacy. Between 5’9 and 5’11, each person was more or less unidentifiable, which is what Benny wanted. If the twins didn’t open their mouths, which they did often, you couldn’t tell if any of them were male or female either.

 

The twins, Madison and Whitney, were juvenile delinquents like Benny. Each of them had a healthy drug habit, but not too healthy to cause a problem were they needed to work. The twins were officially escorts, but were not beyond drugging and stealing from their clients. And Wall Street execs would pay a hefty sum for twins, and couldn’t be bothered to notice a missing Rolex here or there.

 

Towards the back sat Reginald Brown. Reggie was an intensely quiet man. Under the baggy suit was a man who took his personal flaws and projected them through pure human strength. Officially Reggie shared the same low-security cell with Benny for check fraud. After Benny saw Reggie asphyxiate Benny’s prison bully with a towel one day, he knew not to ask too many questions. But when Benny thought up this idea in the last few weeks, he figured every good heist needs some muscle.

 

Benny and the crew had spent the last week driving around the lower west side with very real looking CDC badges, terrorizing that neighborhood’s residents merely with their presence. Benny would walk into the local bodegas, the liquor stores, or any small business with a pen and a clipboard. The story was the same: Do you know X person? No? X person and his/her entire family is now dead from COVID19 and he was known to frequent this establishment. The person’s name was followed by a stock white person photo. The owners always complied when the rest of the crew arrived with pump sprayers full of bleach and water. They made a big show of spraying everything down and preventing its local residents inside. While the store owners were told they can stay open, most closed shop the next day. A very real looking CDC warning with a very fake regional director’s contact information was taped to the front window to complete the illusion.

 

The number rang Benny’s phone. And the sparse amount of people, including the NYPD called it, a very official sounding Director Benjamin told them not to worry and that the store would be open next month after an all-clear.

 

None of these shops were the target, however. That didn’t stop the twins from taking the tils or cracking the store safes. They were a precocious duo, and needed to be satiated occasionally to keep their attention. Benny had spent a week circling the real target in its center:

 

United Orient Bank.

 

United Orient was Andy’s idea. While Benny and Andy came from very different backgrounds, they were both shoved into the very same New York public school. While Benny’s dad ran the delicatessen next to Andy’s father’s security business. Both were heavy cash businesses, both used a local Orient Bank branch. As is the nature of both their communities, cash was king, and Orient’s vaults and safety deposit boxes were always flush with it. According to Andy, Orient also had the nasty habit of laundering money through various China-based criminal organizations. In some ways, he was simply stealing from the rich and giving it to the poor (himself), Benny thought.

 

“Man there is no one out,” Andy thought out loud. He was right. The city had emptied itself over the last few days. With all non-essential staff laid off or quarantined at home, there were less witnesses. A feature, not a bug, Benny thought.

Blight

The thing most movies forget to tell you about getting shot, is that time slows down. Your mind doesn’t really know how to process the sensation, so it can wander a bit. I remember many things from that afternoon, but there was a phrase that always stuck with me til this day:

 

You are a long way from Egypt.

 

But I’m getting ahead of myself. I wish I could tell you that I was the brightest and boldest of my class, or some outcast misfit with delusions of grandeur. Nope. Just a solid B- student in most areas. Most days in school I’d shoot for a scrap higher than a C just to keep the parents off my 

back. Went to a mid-tier state college and picked a major, Archaeology, that had the lowest math requirement and I thought Indiana Jones was a great movie.  Its safe to say many a beer was imbibed during college. But, to my luck, I thoroughly enjoyed my major of choice. While my housemates pulled their hair out over organic chemistry or statistics, I would transliterate hieroglyphics and throw the occasional pot off the roof for science experiments.

 

No real tragic pasts to speak of, and if you saw me in a crowd, I’d quickly fade from memory as neither handsome nor hideous. My only inherent flaw being that I don’t call my mother enough, something she brings up almost constantly. You know she means it when she addresses me by my full name: Leonard Augustus Carter. Most days I just go by Lee.

 

The only thing I truly excelled in was the art of making things up as I went along. Not for any noble reason mind you, but mostly just to get out of doing homework. Turns out that skill is something most people don’t tell you is highly desirable in the business world. Which was great for me because you can absolutely nothing with a degree in Archaeology save witty cocktail banter. With skills in hand, and strong desire to move out of my mother’s basement, I took the first job that accepted me: an executive assistant to a mortgage CEO.

 

It was the summer of 2006.

 

Its safe to say that I have never worked so hard for so little. I naively thought CEOs were CEOs because of their strong work ethic and high moral values. Turns out, its much more of an Ayn Rand world, at least in mortgage. He got to where he was by being utterly ruthless with his business, and driving any competitor (perceived or otherwise) into the ground. The onyl reason I had the job I had was because of the words I uttered in my interview, “I would step over my own mother for a paycheck right now sir”. All other experience and degrees were irrelevant. I would be his attack dog, and the word “no” shall never leave my mouth. Faced with the very real possibility of living in my mother’s basement for the next 20 years, I bit the bullet.

 

The next year was one of pure unadulterated rage on my part. While the CEO was the most feared person in the office, I had become a close second. If a person needed to be fired, I was there. If messages needed to be conveyed to competitors, I would be flown across the country to convey it to them. If a house needed to be bought at auction and its tenants thrown into the street, I did it with a smile. Days started at six in the morning and rarely ended before eight. I became an expert at anything the CEO fancied at the time. Antique nautical bells? Land Rover fuel pumps? Black mold remediation? Nineteenth century modern expressionism? The guy even offered to pay for my pilots license at one point.

 

And for these decisions, I was rewarded with a handsome sum of $27,000 per year, more than anyone has ever offered to pay me at the time. I lived in a rented house with 4 strangers who I rarely saw, ate ramen and whatever was left in the break room at the end of the day. Given how my other millennial peers were faring, things could have been significantly worse.

 

By 2007 I began to notice something was wrong. While I was in mortgage, I certainly had no time to track its news let alone understand its historical context. What I did notice is that the people the CEO had me fire were never replaced. By the fall, major lending institutions nearby had collapsed. What few employees remained furiously shredded their paperwork or simply cried at their desks. Then one Monday in September the office doors were simply locked. Some paychecks were left taped to the door. Mine was short about $100.

 

I had attempted to take my skills elsewhere, but everyone was being laid off en masse, not hired. My former rivals at the foreclosure auctions were unsympathetic. I sat in my room, a bag of saltines on my bed and can of cheese spread in my hand. I gave serious thought into moving back in with my parents like so many of my millennial brothers and sisters at the time. I had about three months of savings and that was about it. So it’s safe to say that after about a week of searching for work, I was thrilled to hear a call from a former contractor of mine looking to hire someone with foreclosure knowledge.

 

With all the chaos at the banks, foreclosures were piling up at the auctions. With no buyers to speak of, the simply reverted back to the banks. This happened by the thousands every day. Where an auction once took an hour on the courthouse steps, now the list of properties stretch long into the afternoon and evening. This pile of paperwork went…somewhere. None of the bidders had any concern where they went. If they weren’t deals, then why bother? Many mentioned that they were “bank owned”, but how they got from A to B was a bit of a mystery.

 

So naturally, when my contractor asked me if I had any experience with “bank owned homes” I said yes. Being fired for lying seemed a bit more reasonable than living with my parents at the time, and a paycheck is a paycheck. I spent the first week building a workable office in the back of some commercial park. I brought in an old computer of mine from home, as the contractor was still in the dark ages. Set up a simple 800-number through the internet and started calling some banks. In my mania, I had dug up an old Housing and Urban Development (HUD) manual on how to properly “secure and clean” and foreclosure, as well as state specific laws on eviction (of which I was already well acquainted). I had to physically mail a request for the manual, it was both that rare and existed behind government bureaucracy. It seemed to have been last updated some time when the first Bush was president.  It was at least detailed enough for me to bullshit my way through a conversation with someone at the bank. 

 

And bullshit I did.

 

Turns out, no one else had read that manual since I was in elementary school. So when I finally reached someone with the ability to give out a foreclosure management contract, we were both pleasantly surprised at the outcomes. Her name was Bonnie, and she worked for a large financial institution associated with America. Turns out she had a copy too, but one that was even older. She had been put in charge of a brand new foreclosure department. We were both in similar boats. Faced with being laid off, she had opted for a lateral transfer to a department she knew nothing about. While I never met her in person, you could hear the exhaustion in her voice whenever I’d call. Occasionally she mentioned a grandchild, so I guessed her to be about my mother’s age. Probably thought she’d retire this year. Now just happy to make the car payment.

 

“Do you have liability insurance?” Bonnie, asked.

 

“Sure do!” I lied.

 

“Do you have sufficient employees to run multiple evictions a day?”

 

“Just out in the yard ready to work” I lied again.

 

“Can you properly estimate damages and fix them for HUD compliance.”

 

“Its not a problem Bonnie, just send me everything you need done in Los Angeles. We’ll take it from there. A have a growing family to feed.” That wasn’t so much a lie as an extreme stretch of the truth. Yes, I could estimate damages, no I never did them remotely or in this volume. I had a contractor, 2 laborers and an office built out of furniture I found at the local dumpster. And if by family I mean me not wanting to eat Ramen well into my 30s, then that’s true. 

 

It was September of 2008 at that point,in Los Angeles, and air conditioning was a luxury not afforded to me. Much to everyone’s shock we made money. I worked about the same hours but at least I wasn’t getting paid like dirt. I even bought a car for myself, not new, but new to me. In a few short months we went from seat of our pants every day to writing manuals for contractors on how to do this sort of work. I had grown so frustrated at one point with my contractors that I put one of said manuals in an online forum for free. The more people I could call, the better. And no one else was calling contractors those days but us and our competitors. By luck, far across the country, an employee for HUD was also reading the same forum, desperately trying to update their paper manual from the days of Sega Genesis.

 

I don’t remember exactly who called, only that it was from Undersecretary so-and-so, and that they would like to meet at my earliest convenience. At that point we had two dozen employees, an office with actual air conditioning and a few of our own trucks. Hell we even had our own shirts. For someone still making things up as they went, I was happy to say it was going well even if it was an utter shit show most days. See, rather than paying someone to make a manual of their own, HUD wanted to buy mine. Even more, they wanted to pay my company a large sum to travel around the country training contractors on how to properly perform evictions and repair work on foreclosed homes.

 

By 2010 I’d seen most of America, just not the fun parts. Naturally HUD chose to send me to the places with the most foreclosures, and naturally these tended to not be the greatest parts to visit. Jacksonville, Cleveland, Detroit and countless small towns in between.

 

I’m sorry, I forget myself. By me, I mean we. I was accompanied by some trusty employees I usually referred to as Frick and Frack, a reference they never bothered to understand. There was Cristos, or at least that’s what everyone called him. I believe his real name was Hector, but he revelled in the nickname due to his constant need to spout Bible verses in both English and Spanish. I knew Cristos was from Guatemala and his last job was “guarding a field with an AK”. I decided not to push the matter further. Whatever had happened to him, he was a very devout Catholic with shades of Santa Maria worship. All he asked was to not be bothered on Sundays, and for that he was one of the hardest working people I’ve ever met. Never saw anyone scrub a toilet with a smile on their face like Cristos.

 

Then there was Manos. His name was Manuel, from Honduras, but everyone called him Manos on account of his freakishly large hands. He was a former member of the Honduran Army. I wasn’t sure of his job title, only that after a bad plane crash, he had left that country for greener pastures. But my god man, those hands. I still have nightmares about them. Guy walked around with catchers mitts for hands absolutely covered in calluses until I bought him some work gloves that fit. After that he never left me alone.

 

Did you know that Hondurans and Guatamalans don’t get along? That was certainly news for some wet behind the ears kid from the suburbs. Most of it was good fun, with the occasional ganging up on the guero, but sometimes it ended in fisticuffs if football was involved. Either way, the work truck was never quiet. Between Cristo’s sermons and Manos’ insistence on singing mariachi love songs, it was at least not a boring drive.

 

So there we were, a couple veritable angels of death, travelling from city to city, teaching neighbors how to evict each other legally. Reception varied from one city to the next. Some welcoming, some outright hostile. We are stilled banned from the city of Mobile to evicting a cousin of the sheriff; a fact I’m still proud of til this day. Most cities and towns didn’t know we were even there. We’d arrive, meet the local sheriff and team early on, and spend the day evicting and cleaning. Most people we worked with were handymen, contractors, or just day laborers. Real salt of the earth people. 

 

By that I don’t necessarily mean good, just accustomed to their lives in their towns. And their towns varied from simply crossroads with a downtown to smaller regional hubs. All depressed, depressing. Whatever financial shenanigans occured in 2008, it hit small towns much earlier. It wasn’t the flood of 2008, but a trickle for decades. As far as I could tell it started some time in the 1960s and 70s. Some industries simply boarded up their massive brick buildings and never came back. Some hung around like vultures for a few decades more before closing up shop in the 90s. With them, many people simply left the towns they grew up in for the larger cities and never looked back.

 

That left all of these secondary cities with more houses than people. You’ve heard of these places, at least in passing, though I doubt most people would ever visit. Peoria, South Bend, Syracuse to name a few. There was a word for the condition we encountered most of these properties:

 

Blight.

 

Most houses we evicted were simply empty, and had been for months if not years. Where we encountered occupants, most were squatters. Either homeless or some poor tenant that signed a bullshit lease for a house the owner knew was in foreclosure. For many people on this ragged edge of America, this was their final stop. 

 

You can’t really describe the smell of a dead body to anyone. Its not just a rotten smell, but something much more primal, like millions of years of evolution told you to run the other direction. A few were suicides. Finding a former occupant still swinging from a ceiling fan is a great way to re-taste your breakfast. Many simply didn’t survive the winter. January and February were prime frozen homeless spotting. Most just looked like they were still asleep, others clearly were aware of their impending deaths cuddled in balls underneath a pile of abandoned clothing. A few were murders, drug deals gone bad, or mysterious unknown deaths.

 

The most numerous, however were the drug overdoses. My god, the amount of heroin needles we found boggled the mind. In some cases it was easier (and safer) to just wrap the needles in the houses old carpet and haul it away in one piece. Every needle was a potential to catch any number of terrible and incurable diseases. Hepatitis A through Z, HIV, and any manner of terrible bacterial infections these junkies seemed to immune. However, what we found in a small city south of Indianapolis was something else entirely.

 

***

 

Its safe to say that the Sheriff of Scott County, Indiana didn’t take too kindly to our presence. Given that his county was smack in the middle of the largest drug trafficking highway in America, I wasn’t exactly surprised. Even if he weren’t a stop on Smack Highway, many sheriffs were never happy to see us, especially the rural ones. Most of them are elected in small off-year elections, and a town the size of Scottsburg only had about six thousand people. Most of the kin of some kind, all with long memories. Evict the wrong one and you’ll liable to be found running for the county line’s edge.

 

“Sheriff Sessions, friends call me Bill. You can call me Sheriff Sessions.” He glared with his bloodshot hazel eyes.

 

Small town life was always confusing from a kid who grew up in Los Angeles. Of what I could tell from the country songs on the radio, it was both the best place to live and the first place you want to leave. Without real world examples it leaves you confused. After a few years of this I was no longer confused at the juxtaposition.

 

“Lee Carter and my crew,” I pointed back at Cristos and Manos. They avoided eye contact mostly out of experience. Most of these backwoods places were about ninety-nine percent white. What they knew of latin Americans they got from the local news or talk radio. Neither of which were kindly to anyone with brown skin these days.

 

“I know, I heard. Some bigwig from Indianapolis said you’d be coming. Going to train the Cowland boys on how to evict our residents,” the sheriff added with poison.

 

He must of meant Cowland Bro’s Handyman service, our trainee. I nodded. I didn’t know there names.

 

“Shouldn’t take more than a few hours of your time, sir.” I added the honorific. Cops everywhere ate that shit up. Most authority figures did.

 

“Good because I’ve got about 35 bodies in the morgue and more on their way. More and more each day, god help them.” He didn’t mention who’s bodies or where, but we all knew about the elephant in the room: Heroin.

 

“You’ll be riding with James Atwell today. He’s a retired deputy, but all I have to spare for today. Give him all the respect you’d give me. If you don’t, I’ll hear about it.” The sheriff motioned to the door.

 

I met retired Deputy Atwell at the end of the hallway. He was a weathered man of his sixties, old piercing blue eyes and a stern face. Eyes equally bloodshot. Long hours or seasonal allergies, take your pick.

 

“You’re with me, wetbacks can follow.” You’d think you’d get used to the casual racism of small town America, but you’d be wrong. Its something you’ve got to be born into I suppose.

 

We piled into an old city-owned Ford Taurus. With many rural counties we had encountered, a reserve or retired deputy usually did the evictions, freeing up actual deputies for law enforcement. This had the unintended side effect of partnering you with someone who’d rather be somewhere else.

 

“Ah hell this damn hip of mine,” groaned deputy atwell at no one in particular. “Where we going?”

 

“Fifth Street. Number 143. You know it?” I asked.

 

“Finally evicted the Peacocks? Can’t say we’ll miss them much,” the deputy said.

 

“Why is that?” I asked.

 

“About five years ago old man Peacock walked into his corn field and blew his head off with a shotgun. Last crop failure did him in. Wife got into the pills soon after and passed. Daughters upstate doing time for bad checks. Haven’t seen Billy around much though, he’s their boy. Probably the only person living there. Last I saw, he was skin and bones. Track marks everywhere. If there was something stolen in town, it was probably Billy.” Atwell said. You can see the mom and dad right over there.

 

We rolled passed the town’s cemetery. For a small town, there were a ton of flowers.

 

“We are averaging about four funerals a week now. OD’s mostly, some suicides. Time’s tough.” the deputy said.

 

I nodded. I couldn’t disagree. I was supposed to be face down in an excavation in Egypt and he was probably supposed to be enjoying his retirement. Neither of us were supposed to ever meet.

 

“Here we are.”

 

The house was old. Very old. I’d made a habit of becoming well versed in architecture since I dealt with it all day. Judging by the turret and the extensive exterior finished carpentry, I guessed build somewhere in the 1880s. Larger than its surrounding neighbors, but clearly not as well kept. Some of the bottom windows had been boarded up, some of the top ones were open to the elements. A beat-up looking Pontiac Sunbird sat outside, windows equally open to the elements. Were it not for the car, you’d think the house already abandoned. 

 

Parked in front of the house was a late model white Ford F-150 with the words “Cowland Handyman Service” crudely stenciled on the side. One of the “e’s” was missing in “Service”.

 

The Cowland Brothers could be twins if one of them didn’t look like hell. They fit the standard Midwest build. Sandy blonde hair, medium physiques, denim and t-shirt. The older had a military look to him by the haircut, the other looked like he just rolled out of bed. Bloodshot eyes and disheveled hair, shorter, skinnier by far.

 

I stepped out of the deputies car and greeted them.

 

“Jake and Jared?” I asked.

 

The military looking one stepped forward.

 

“That’s us sir.” He said a little too enthusiastically.

 

“First time working for the banks?” I asked.

 

“That would be correct sir, just happy to get the work.” He talked as if he was typing out the words hitting every syllable as to not be misconstrued. His brother sat by the truck and avoided eye contact.

 

“Is that little Jake Cowland back from the Army? If you see you mother, tell her James says hello and he misses her baking.” Deputy Atwell said, clearly familiar with the family.

 

Jake chuckled, “I will Mr. Atwell!”

 

I went over the standard procedures with the Cowlands. They had their manuals so it wasn’t soo much work. Standard eviction, nothing special. We drill out the front lock. Deputy Atwell makes entry, clears the house of any potential hazards. They had already been notified, so everything goes to the curb. You get paid twenty dollars per lockset your replace and forty dollars per cubis yard of material removed so long as its all properly documented with photos.

 

“Can we keep anything we like?” The younger Cowland finally spoke.

 

“So long as its properly recorded and you take after photos of a clean house, the banks arent particular on where this stuff goes,” I said. That much was true, and this is why the business also employed any number of junkies and criminals. Some houses are ripe for the plunder. We’ve encountered anything from hoarder junk piles to bars of silver. You never know with these old houses. It was the most lucrative job you could have if you played your cards right.

 

“Are we ready? Lets go.” I said as I gathered the troops. Cristos and Manos slinked behind out of eye shot of the deputy.

 

Deputy Atwell pounded on the door three times.

 

“Billy! If you are in there you need to come to the door! We got a final eviction here! Come on out with anyone else in there!” Shouted the deputy. After a pregnant pause he sighed. “Alright, do your thing.”

 

At this point Cristos and Manos appeared with the brothers in tow. Some locksmiths picked and re-keyed locks, but we didn’t bother. You get paid by the set you install, so its more money. Titanium drill bit directly to the cylinder works most times. After a few seconds the handleset sat on the porch.

 

Deputy Atwell made entry first, as procedure dictates and immediately vomited, as well as one of the Cowland brothers behind me.

 

Mascaras and gloves,” I said to Cristos and Manos. Months of travelling with them left me with some pigeon spanish. I wasn’t even sure if that was the correct word for masks or not.

 

A rush of air hit us all at once. The feeling was unforgettable once you encountered it: 

 

Black Mold.

 

First your eyes water uncontrollably. Your nose runs and you instinctively cough. Then your body feels like its bitten by a million fleas or mosquitoes all at once. Any exposed skin eventually turns into a nasty rash if you scratch it. Nasty stuff. In large enough quantities, and this house had it, it can cause all sorts of havoc to your body. Your lungs bleed, your joints ache, eventually you start showing signs of brain damage.

 

But this house had something dead in it too by the smell. The combination is liable to make anyone puke. I held my breath just long enough for Cristos to bring me a mask from the truck. Iraq war vintage, filters work great for this sort of stuff. Manos handed the deputy and Cowland brothers some spare 3M paper masks from the truck.

 

“You want us to clear it deputy? Seems empty to me.” I asked as Deputy Atwell was still bent over. He gestured for us to go inside. If we had any trouble, the deputy’s large revolver was just outside on his hip.

 

Cristos and Manos went in first. There was a loud crunch as we made entry.

 

Agujas,” Manos said. “Needles.”

 

Across the main entry was a depressing sight. What was once a beautiful teak parquet floor was littered with a few hundred used medical syringes. Not the most I’ve ever seen, but way more than normal. This was a flophouse judging by the lack of open windows. Junkies usually liked their quiet dark places to shoot up. We should know, Manos and Cristos have cleared our fair share of them.

 

Debris was scattered amongst the needles. Couple take out boxes, scraps of clothes and various household goods. Not fully abandoned, but clearly not fully lived in either. Cristos and Manos went to work. Pictures of each room from opposing sides. They walked the brothers through what to record so they could get paid. 

 

I was itching through my suit though. Despite the coveralls I was wearing, gloves and mask, my skin was on fire. What little skin around my mask that was exposed was on fire. That was very much not normal. I couldn’t see the mold, but hell if I could feel it. I rounded the corner of the dining room when I encountered the bodies.

 

***

 

Like I said, I had encountered my fair share of bodies in this job. They consisted in many forms, from ice cubes to bloated corpses to some with almost mummy-like qualities. But these ones were far worse than anything I’d encountered.

 

Cristos rounded the corner and made the sign of the cross. Manos hung back in solemn silence like he usually did. I told one of the Cowland brothers to go get the sheriff. While I was confronted by the most disturbing thing I had ever seen.

 

In front of me, in what was once two old couches lay three bodies. Or at least I thought they were bodies. What it actually was was a large wet black mass with body parts sticking out of it. It started from what was once a beautiful floor and extended to the ceiling. Water from some broken pipe upstairs provided a steady stream of moisture. Everything in the room was wet to the touch. Between the black mass I spotted three heads, and a few arms. One had a needle still in it, old blood had streamed onto the floor.

 

I’m far from an expert on biology, but I’ve seen hundreds of cases of black mold. At worse, its a black coloring on a wall or room. At best its a few spots under a sink. I always thought the terror it causes the real estate industry was overblown. Its in every house in America. Its spores are there whether you like it or not. Its only when its concentrated does it become a problem. If this was black mold, its like something out of a John Carpenter movie.

 

Deputy Atwell rounded the corner and vomited again. I didn’t blame him, I was holding it down myself. We all were. I decided to clear out the rest of the crew.

 

I found Deputy James Atwell outside, radio in handle, uncontrollably shaking.

 

“I recognise those boots anywhere,” he said, half talking half sobbing.

 

We all looked at him half puzzled, half shocked at what we all just experienced.

 

“They hand them out to every deputy. Part of the uniform.” Atwell said.

 

He put the radio up to his mouth, hesitated, then pushed the call button.

 

“Connie, its James come back,” he said to what I assumed was dispatch.

 

“Go ahead James,” a congenial voice on the other end.

 

“I think you’d better call Gil at the flower shop and tell him to head on over to 143 5th Street,” Deputy Atwell said.

 

A sigh came back, clearly Connie had taken these calls before. “Did it happen again?”

 

“‘Fraid so.” Atwell said dejected. “And Connie, you’d better tell Bill we found his boy.”

 

After a long pause we heard her sobbing Connie come back, “Oh Lord I prayed he’d be alright. I’ll get them both over there.”

 

Deputy Atwell had filled us in while we waited. Like so many jobs in small town America, government ones suffered from rampant nepotism. It wasn’t always a bad thing. Sometimes a certain family was the only one in town with the required expertise. Sometimes it was a shear lack of options. Bill Sessions Jr, Deputy Sheriff had been hired right out of high school. A low block in a football game ruined any chances of him getting out of Scottsburg on a scholarship. It would be funny if it were so cliche and sad.

 

What wasn’t funny was the pill addiction he’d picked up after the injury. Getting hired on as a deputy made good sense. It was the only job that had a decent health care plan. Everyone knew what oxycontin was back then, because the doctors handed it out like candy. It wasn’t malicious. Drug reps said it was superior to vicodin for treating pain. What they didn’t say was that is was a hundred times more addictive. 

 

A pill a day for Junior graduated to ten. When the local doctor eventually cut him off, he had nowhere to go but heroin. He had used his new found authority to beat on dealers til they gave up their stashes, then put it straight up his veins. He got caught, suspended, but reinstated. They decided to keep his addiction in the family, treat it the old fashioned way: cold turkey.

 

“I thought he got through it. He was doing so much better.” Deputy Atwell said as the sheriff’s car pulled up.

 

I had unfortunately made the mistake of putting myself between a man and the corpse of his dead son, an armed man at that.

“Sir, you don’t want to do that. Its really bad in there.” I tried the honorific again, but that just seemed to piss him off.

 

I was answered with a punch to the face and a shove.

 

By the time I had picked myself up off the porch, a flower van rolled up along with a few more sheriff cars. Sheriff Sessions was inconsolable. His manic howls could be heard from the street. He had rushed in and ripped his son free of the black mass and sat cradling him on the floor. At least he ripped what came away. An arm had remained firmly embedded, now part of the couch. If this was indeed a crime scene, it was forever tainted. Eyes red, tears streaming down his cheeks, equal parts grief and the effects of the mold. He coughed as he screamed, blooded spittle all over his shirt. Where once stood a man carved out of wood now sat something broken entirely. It took three deputies to pull him away.

 

By the time the county coroner had arrived. Cristos and Manos had tried their best to clear a path for the stretchers, as did the Cowland brothers. In the end it was a useless endeavor. Attempts to remove the other bodies proved more difficult. The only things that could be easily removed were the exposed hands, feet, and heads. Everything else now belonged to the black mass that was the couch. What mass the sheriff had pulled away simply fell apart into a toxic sludge like substance, leaving only the upper torso and some feet.

 

“Pete Deitrich and Molly Pascal by the looks of them,” the coroner said as he zipped up the body bags in front of me. “Both parents had reported them missing last week, both known heroin addicts with wrap sheets.”

 

“I’d shake your hand but as you can see, I haven’t washed for supper, “ the coroner said. Every coroner I had ever met was an odd duck. Even more morbid that I was. “Steve McCormick, County Coroner. And you must be with the government by the looks of it. CDC I hope.”

 

He threw the bags in the back of the flower van unceremoniously. County morgue truck was in the shop, and the morgue itself was stacked with bodies. The local government had taken over the only other refrigerated storage in the town, the local florist. It also had the only refrigerated transport.

 

“Not smart enough to work for the centers for disease control unfortunately,” I said, “Housing and Urban Development.”

 

“Ah, that’s too bad. Well if you aren’t doing anything later, you should swing on by the local drinking hole. I’ll buy you a beer and we can talk. That is if you still have the stomach.” Steve said.

 

“After a long shower. Eight PM? I still have some work to…” the sentence never finished.

 

THUMP. THUD THUD. came from upstairs. 

 

In our confusing with the absolute chaos downstairs, it never occurred to any of us to check upstairs. The only known resident was conspicuously absent from the body count.

 

Deputy Atwell and the others had drawn their firearms. I reached for my low back and pulled mine as well. Carrying a firearm was part of the job unfortunately. Forty caliber Glock pistol. Old contractor had once told me that 9mm pistols wont take out a crackhead or someone strung out on PCP. You needed something bigger to get the job done. Never left home without it.

 

Three deputies slowly walked up the stairs, Atwell in the lead. After about five minutes of them being out of sight, we heard a “CLEAR” shouted down at us. No point in me being up there if it wasn’t safe. I was a HUD contractor, not some gung ho marine. 

 

I walked up the stairs to assess the upstairs damage. A long hallway separated me from the deputies. They gathered around a dark black spot on the floor. I was reaching for the digital camera in my pocket when my world exploded, both literally and figuratively. A hallway closet door the deputies missed exploded into splinters. 

 

What emerged was a thing of Lovecraftian horror. Dressed in what appeared to be an old trench coat, the owner of the house emerged. The entire left side of Billy Peacock was engulfed in a black tar-like substance. Either he had long hair to begin with, or the mold had added an extra few feet of oily dreadlock that dangled in front of him. The hair on his head and on his face had merged to give him an almost squid-like appearance. One eye a dark black, the other an intense red with blue in the center.

 

In his good hand held an old double barrel shotgun. Billy opened his mouth more than I thought capable of a human being and screamed.

 

“GET OUT.”

 

He then unloaded on me with his last full barrel at point blank range.

 

It should be noted at this point that my mother doesn’t approve of what I do. Not because of the nature of my job, but the fact that the stories I bring home terrify her. One Christmas I regaled a tail of being in a running gun battle in Detroit. I embellished a little, but the damage was done. My next visit home I was presented with a kevlar vest that my mother insisted that I wear. In her defense, I was thinking of purchasing one, I just never got around to it. So, if you are reading this mom, thank you. 

 

The shot was close enough that it didn’t spread much. What it did do was knock me down the hallway about ten feet. The kevlar took the bird shot mostly. It must have been an old round because all I got for the trouble was a few bruised ribs and an empty bladder. Billy, or whatever it was, took a few rounds from the deputies in the torso from the deputies before leaping through an upstairs window and into a field of corn out back. Whatever had happened to Billy Carter made him ungodly fast. By nightfall, there was no sign, and what little was left had made the dogs sick.

 

I awoke to Deputy James Atwell slapping me in the face. I’ve never been hit by two cops in one day. That’s a new record.

 

“Which one of you dipshits didn’t clear the hallway closet?” Atwell said turning to his deputies who hung their heads in shame.

 

Coughing, I tore off my mask, which may have been a bad idea. I coughed some more which made the ribs hurt even more.

 

“For fuck’s sake…” I croaked out as Atwell helped me to my feet.

 

I walked out to the truck. Cristos and Manos had missed the whole thing.

 

“You look like shit,” said Cristos.

 

“I’m a long way from Egypt,” I said. Both my assistants looked at me strangely.

 

***

 

We returned to the Holiday Inn Express. Only the finest for government work. Our rooms included a view of the town Pizza Hut and Waffle House. After what seemed like an hour, the shower seemed to finally get off all the mold spores to my satisfaction. Manos and Cristos had disappeared like they always did. I didn’t ask where they went, only that they showed up the next day. I was never disappointed. 

 

I gingerly put on my clothes and headed out for a drink.

 

The bar wasn’t too hard to find. There were only two in town, the other being about 20 miles outside the limits, and strictly for farm hands. Only a few blocks away, I decided to give Cristos and Manos the truck for the night and walk. I could use the fresh air.

 

These sorts of towns are dotted all over America. Layered in a grid with the courthouse in the center surrounded by small parks. Then comes the commercial district, or whats left of it. A handful of second hand stores and antique malls dotted with abandoned storefronts. A bank, maybe a doctor or lawyers shop, and a handful of fast food places. Rinse, repeat. The only real standout was the rather large burnt out 5 story hotel on one corner. Its only illumination coming from the bar catty-corner from it. It loomed out of the darkness, art deco sconces still dotting its weathered exterior. Its front door barred, windows boarded.

“I see you’ve met the shame of Scottsburg,” someone said catching my attention. It was McCormick, the county coroner and man who invited me here.

 

“Shame. Love these old buildings. What happened to it?” I asked.

 

“Come inside, I’ll buy you a drink. There’s some people I’d like you to meet,” said Steve.

 

Stepping into small town bars is like stepping into a time machine, only that time machine only goes back about 35 years or so. Neither the glitz of the 1960s, nor the polish of modern day bars, most small town establishment are stuck in the malaise period of the late 1970s. Oranges and browns throughout, what remains of matted floral carpet with old well used puke green bar stools. Smells like the 70s too, with wafts of cheap American lager, Indian cigarettes, and a musty smell coming from the ice machine behind the bar. I get the feeling there hasn’t been a health inspection around these parts in some time.

 

Behind the bar, a barmaid scowled at my escort, then to me.

 

“You the one that found Molly?” She asked. Her voice was raspy like she had one too many cigarettes.

 

“Afraid so. Did you know her?” I answered with a question, hoping not to be run out of town.

 

“Cousin on my mom’s side. Never could get her head straight. Shame. Name’s Sandy, first round is on me. But not you Steve, you need to pay your tab first.” Sandy said.

 

Steve dropped a $100 bill on the bar. “Will this cover it?”

 

She eyed it with suspicion, but eventually put it in the cash drawer. Sandy poured Steve a beer and we retired to a booth in the back. Two occupants were waiting for us.

 

“Lee Carter, this is Dr. Ron Quackenbush. He’s my counterpart one county over.” Steve pointed me to a gaunt fellow in his late 60s maybe who’s eyes looked like he was ten years past retirement. 

 

“And this is Dr. Mary Chambers, town physician.” She was a heavy set woman with rosey cheeks.” She took my hand and shook it a little too vigorously.

 

“Thank you for meeting us on such short notice,” she said excitedly. I was unaware I was late for a business meeting, but whatever. 

 

I took a seat next to Doctor Chambers per her request, setting my glass of whiskey down in front of me. Getting up and sitting down left me acutely aware I spent the last hour picking birdshot out of my kevlar. 

“What is it that I can do for the medical elite of Southern Indiana,” I asked mid sip. The brown liquor slightly dulling the pain in my torso.

 

“We take it you saw the scene over at the old Peacock place?” Ron asked, nursing a beer of his own.

 

“Hard to get it out of my head. Never seen anything like it come close, save maybe once in Hawaii, but that wasn’t black mold. That was some weird nasty tropical stuff, and it certainly didn’t infect humans.” I am lightyears away from a degree in Biology, but I know my molds at least. Prerequisite for the job. Some tropical molds were known to eat houses straight down to the foundations if you ignored it long enough.

 

“Tell ‘em about the Gaslamp, Steve.” Ron said.

 

“What you saw today wasn’t the first time this has happened in Scottsburg,” Steve said, “In fact, I’m not even really sure what the count is exactly.”

 

“It started with the old Gaslamp Hotel,” Steve continued, “Hasn’t been an actual hotel in decades. Some developer came here in the 80s and turned it into some apartments. Developer went under a few years later, eventually it ended up in county control.”

 

Steve took a long chug of his beer and sat it down. “County turned it into affordable housing. $200 a month for a unit, twenty units in total. Mostly started with retired folks, but eventually it was anyone in the county that needed a roof over their heads for cheap.”

 

“Make sense. I’ve seen a few like that around. Stayed in a few of them too. Not great.” I said.

 

“But by the 2000s I was getting a call there every week!” Doctor Chambers interjected. “Right out of med school and all I was doing was sticking people with narcan all day.”

 

Narcan is just as common as heroin in these parts. Don’t ask me how it works exactly. Something to do with receptors in the head. All I know is that when you are OD’ing on opiates, it brings you back to sober real quick. Most cops have a few emergency needles on them. Indiana didn’t, because this state sees drug use as a sin. One of the side effects of living in a Bible-thumping state.

 

“Anyways,” Steve continued, “One day in June people begin to notice no one coming and going from the place. Sheriff and a few deputies made it inside. Same scene as the Peacocks place. What was left of someone OD’d on the floor, and a dark black mold from floor to ceiling. They pulled the remains of fifteen people out of that place. Big state investigation and everything. Couldn’t get in there for a month.”

 

“Then one day it just went up in flames,” Ron said.

“It was a very sad day for Scottsburg,” Doctor Chambers said, finally looking slightly dejected. “It was such a beautiful building, now its just a shell.”

 

“I mean, that’s sort of strange but what exactly do you want me to d…” I didn’t get to finish the sentence.

 

“Then a few weeks later I started seeing people come in with some weird looking spots.” Mary said, “Most of them I knew. High school friends or around town ya know. Lot of them got into the heroin. But these black spots started appearing right around their track marks. You could brush them off, but they came back. Strangest thing. I didn’t really put it together ‘til Steve told me about your little encounter this afternoon.”

 

“See, there wasn’t much I could do. I thought maybe it was some weird form of ringworm. So I gave them some topical cream and sent them on their way,” Mary said. “Then they just never came back. Poof. Completely off grid disappeared-like.”

 

“Then one of them showed up in Salem,” Doctor Quackenbush quickly cut Mary off. “Pulled him out of an abandoned house. Same thing. Black shit up and down the walls and ceiling, needle sticking out of some kids arm in the middle. Couldn’t even identify the guy. State came in, sealed it off. Burned a few days later.”

 

“We thought since you worked for the government and all, maybe you could get some help higher up? CDC maybe? I don’t know.” Mary said.

 

“I hate to break it to you guys but I’m just a contractor for Housing and Urban Development. Most of the time they don’t even know I’m out here, let alone talk to a completely different agency,” I said, promptly crushing their hope. 

 

“I mean, maybe I could send this out to my superior at HUD? Or maybe even the State Department of Health?” I asked more than said.

 

With the mention of the State Department of Health, they all sort of grumbled under their breath.

 

“The DOH would probably be more hindrance than good,” said Doctor Chambers, “They’ve been out here a handful of times in my thirty years of being a coroner here. Always some pencil pusher unconcerned about our communities.”

 

That sort of made sense to me. While I never messed with health issues, any state-run government organization was next to useless in my experience. Even more so the further out from civilization you get.

 

Ron reached under the booth’s table and pulled out a stack of files. “We’ve compiled at least six deaths that are related to this stuff, plus the Gaslamp victims. But not all of them died from the mold. Some were just too crispy to properly identify the cause of death.”

 

I thumbed through the morbid tome. I did an internship at a county morgue for my archaeology degree, and I’ve seen my fair share of death out here on the road but the pictures in these files were nothing short of macabre. Half digested corpses on rotting beds, errant blackened body parts, some faces locked in some sort of death scream. Whatever killed these people was enough to overcome large doses of painkillers to cause them to die in this manner. None were good deaths.

 

“I don’t want to rock any boats, but every time I put in the death certs that mold was involved, the houses they are all found in are either burned or bulldozed to the ground overnight,” said Ron. “I’m going to mark the Peacock’s residence as just a regular overdose and see if it helps preserve the evidence.”

 

“Listen, I cant promise you anything. I may send this up the chain and it goes nowhere. Lord knows most of my reports do that.” I said. “I’m only in Indiana for the next two weeks. Then we are off to Ohio.”

 

“That’s all we can ask. There isn’t anyone out here that seems to give a shit about us,” Doctor Quackenbush said. He guzzled down his whiskey and motioned the bartender for another.

 

***

 

Twenty-five miles north of Scottsburg, what was left of Billy Peacock sucked down as much water as the cow trough contained. He caught a glimpse of himself and involuntarily flinched, but the thought was gone almost immediately. The trough he drank from immediately started to fill with the black spores that covered two thirds of his body now. In fact, anything he brushed up against or touched turned to a slimy black material. 

 

All he knew was a ravenous hunger and thirst. The water helped, but whatever was on and inside him demanded more than just simple food and liquid. He was familiar with the feeling:

 

Withdrawal.

 

Part of him knew it was too soon for heroin withdrawal, but it was drowned out by an insatiable need to put food in his bloodstream. He could see the shape and color of the thing he wanted, but the word was elusive to him. Heroin, oxycontin, fentanyl, even vicodin or percocet would do. 

 

He had the sensation of his legs moving once more. He was merely on for the ride at this point. Rows of cornfields whizzed past, far faster that he could ever recall running. Whatever the black substance was, it had gifts as well as curses.

His mind knew the shape that designated a pharmacy, even if his mind didn’t fully comprehend it. The next thing his mind comprehend was ripping the back door off its hinges, its loud metal screeching piercing the dark Indiana sky. 

 

Alarms blared, he thought. At least thats what was left of his mind could make out. He had done this before, at least when he was still human. He and his band of misfits smashed the front window of a CVS and pried the safe open with a crowbar to get into the sweet narcotics within. They had called in a home invasion robbery across town and were gone by the time sheriffs showed up. By the end of the week they had blown through the oxycontin and sold the rest for heroin. So instinctively, he knew the big heavy metal box contained the nectar he required. 

 

No tools needed this time. The safe door came off easier than the back door. He drained bottle after bottle down his black gullet. Pills took a bit longer than smack to take effect, but his body didn’t care anymore. Opiates settled in on pain receptors, causing euphoria. It was the equivalent of the strongest orgasm he’d ever had in his short life. His body shuddered and the black slime started to spread. By the time he was finished, it encompassed the entire counter, safe, and back room.

 

When the authorities finally showed up, Billy Peacock was miles away. The abandoned barn he found would do for the night. The sun hurt so much now. He curled up into a ball in the corner. As he started to sleep, the black mold began to spread.

 

***

 

Mary MacDougal had no soul, they said, and this wasn’t on account of her bright red hair. No, this was the opinion of a company mandated psych screen after her “incident”. She had gouged out a fellow lobbyist’s eye during a disagreement over a recent senate bill that had passed. Some unknown slight had caused the attack, she couldn’t even remember, but Ken deserved whatever was coming to him. It was only her ruthlessness and threats of lawsuits that had kept her job in public relations for Purdue Pharmaceuticals. 

 

They, in turn, banished someone to what any DC lobbyist considers hell: the Midwest.

 

She was now the “President” of “Indianans For Responsible Drug Policy”, or whatever bullshit firm name Purdue had cooked up. The only true part of that name was “Drug”. Her only job was to sell as much of Purdue Pharmaceuticals products as possible in the state of Indiana and she was damn good at it.

 

She hated everything about Indianapolis, especially its politicians. It was only an occupational hazard that caused her to constantly be around them. And most days it was like shooting fish in a barrel compared to DC. Her utter contempt for the Assembly Speaker’s presence caused a vein on her neck to bulge. 

 

There were two reasons she was invited to this gala: One, she ran the largest and newest “SuperPAC” in the city. And two, she’d probably slept with at least a dozen of the Speaker’s colleagues, including himself. One of these hicks was given an award to another. Just another circlejerk night in the capital.

 

SuperPACs were some fancy new entity, recently okayed by the Supreme Court. A little paperwork filing and the promise to be a good boy or girl, and you could funnel as much money to the candidates of your choice without the pesky restrictions of “laws”. Ten years of wasting her time fucking hicks for votes overturned in a day. Now she and Purdue bankrolled almost the entire Assembly’s re-election, plus the new governor and she fucked whoever she wanted to now.

 

She eyed her prey across the room and made her way towards him, making sure to hip check the Speaker’s wife on the way, spilling her drink on her dress. Pleasantries and apologies were exchanged, but the message was conveyed. Mary was good at putting on the mask of nicety. She couldn’t really feel sorrow, or happiness for that matter. The only real joy she felt was when she spent her obscene salary on the finer things in life. The only benefit of the midwest is that a seven figure salary goes much further in Indianapolis than it does in DC.

 

The new governor was her target. He was a godly man, known to pray before every bill and to be incredibly superstitious. He wasn’t supposed to be her tonight, but the governor’s limo had developed engine problems which may or may not have had to do with her or her team. Mary had extended an invitation to the gala because she just so happened to be walking by, and he accepted. 

 

He attended with his “mother”, or at least that’s what he called his wife. Creep. She hovered around him, and Governor Pence was never in the room with an opposite sex citizen without her. Its incredibly frustrating for a female lobbyist, because you never get a private meeting to lean on them, policy-wise or body-wise. There were always witnesses. So she leaned on him in different ways, completely funding attack ads for his opponent helped. But the idiot man kept falling for chance accidents that put her in his presence. A broken heel while walking past him in the rotunda, having an assistant accidently spill coffee onto her in his presence, car trouble. She even started dressing as conservative as possible, feigning interest in the governors sect of Christianity too. 

 

It infuriated her.

 

“Governor and Mrs. Pence, how good of you to come,” Mary said in the nicest voice she could conjure. 

 

“Mother” half scowled, half smiled, seeing every female as temptation. She was just as, if not more religious than her husband.

 

“Karen, so nice of you to come!” Mary said. “How goes the charity work?”

 

Mary didn’t listen to her answer. She didn’t care. The governors wife was amenable to her because Purdue funded all of her charities. The governor’s wife clearly wore the pants, so they had to keep her happy. Of course, Mary’s job was made easier by the fact that all of the residence’s phones and computers were bugged by her team. She knew their marriage better than they did themselves. Mrs. Pence and an affinity for cat pictures and Mr. Pence used “incognito mode” more times than he’d admit.

 

She did the dance she’d done a thousand times. Fake interest. Flatter. Let the men talk. Add quips and anecdotes but don’t challenge anyone directly. Repeat and so on. Government officials were the same everywhere, and these people were all the apex-predator jocks of their hick towns.

 

As people left the conversation, leaving only “mother” and the governor, she pounced.

 

“Governor, I was wondering if I could bend your ear for a moment. Its about HR 243.” Mary asked.

 

HR 243 was a bill that was stuck in the senate. It was a general funding for the states meager healthcare system. It was problematic to Purdue, and therefore, problematic to Mary.

 

“I know the assembly’s heart is in the right place, but I thought I might offer an alternative to the methadone clinics and needle exchanges,” said Mary.

 

The governor’s interest was peaked. So many corrupt deals were made in situations like these, and Mary always left a red wake in her path to get what she wanted. What Purdue wanted.

 

“I am heartened at these poor souls, addicted to drugs. But wouldn’t there be a more prudent way of curing them? A more Christian way?” Mary said, holding the vomit back on the word “Christian”.

 

That piqued Governor Pence’s interest. His only notable “victories” were slashing tax rates, banning abortion and putting a Ten Commandments statue in the capital. If it was godly, and cost the state government nothing in return, he was interested.

 

“Indianans for Responsible Drug Policy thinks a faith based rehab center would do our communities better than a government run facilities,” Mary said, “And a needle exchange program would only further embolden these wayward citizens. We have some programs set up that we’d love to share with you if you have the time.”

 

Governor Pence nodded and handed Mary his card. “Make an appointment and we will talk. If you’ll excuse me.” The governor moved toward the exit.

Mary pretended her organization was grass-roots and faith-based. It was all smoke and mirrors. There weren’t any members outside herself and her employees, but no one knew that. For all they knew, they were a bunch of Christian housewives concerned with their children. If a state representative crossed them, thousands of bot accounts would descend from cyberspace to voice their anger. Outrage attracted the local news, which reported on the displeasure, leading to actual Indianan’s calling their state representatives in anger. It was all delightfully predictable, and all controlled by the moods of a single person, Mary. As they spoke, Facebook bots were commenting about government overreach and demands to go back to “Christian Roots” on every post about HR 243.

 

While the effect was negligible, methadone clinics and needle exchanges were a threat to Purdue Pharmaceuticals. The former, being a great way to stop a person from using its best-selling drug oxycontin. The latter stopping the spread of needle-born illnesses. Healthy people don’t use hospitals and they certainly don’t need HIV or Hepatitis drugs, which Purdue also sells in vast quantities. A recent HIV outbreak in Southern Indiana did wonders for second quarter sales numbers.

 

As they spoke, her team was recruiting and screening dozens of local preachers, and funding their new “drug outreach programs”. These “centers” would help addicts pray away their addiction. This of course, almost never works. They did the same thing for abortion clinics last year. Faith-based centers did wonders to bring babies to term, but also had the side effect of using many of Purdue’s neonatal and pregnancy products.

 

No one consumed more Purdue products in the state of Indiana thanks to Mary MacDougal. But she was still blackballed from every lobbyist firm in DC due to her “incident”, so she stewed in Midwest-nice Hell.

 

Her phone rang, she glanced at the number and answered. If anyone from the office was calling her at this hour, something had gone terribly wrong.

 

“We need to talk. At the office. Now.” The voice said. It was her chief of staff, Clara. They were two psychopathic peas in a pod, which is why she tolerated the curtness of her tone.

Automated Cars and the Real Estate Market

This post will be mainly dealing with this article recently published by Angus Hervey at Medium.

We live in interesting times.  When I was a child, I was one of the last of my peers to learn to type on typewriters.  The old machines were replaced the next year with shiny new Apple IIes.  Now I have the computing power of 10,000 Apple IIes in my pocket.

My first car was a beat up old Mustang.  The convertible top didn’t work so I just left it down and it chugged gas and oil like it was going out of style.  Little did I know that eventually my old Mustang would go out of style, along with every other gas powered car I owned over the years.  I currently drive a Mini Cooper.  Its probably the last gas-powered car I or my family will ever own.  In a few years when my lease is up I will most likely migrate to the Tesla Model 3.  From there I may never own a car again.  I may just choose to have an automated car pick me up and take me where I wish to go.

That’s not some hair-brained sci-fi scheme, its happening now.  Without a doubt Tesla and its automated cars will revolutionize the automotive industry.  Every major legacy car maker is struggling to catch up as we speak.  While its Tesla’s job to plan and innovate the future of automobiles, its mine to predict how the culture around and automated car will effect the real estate market for years to come.

This future holds both the good and the bad.  Lets start with the bad first.  Automated cars are going to cost a lot of people their jobs, in fact, automation in general is going to be a huge issue sooner than most people think.  I own many investment properties in the state of Indiana.  The property is cheap to buy and maintain and the rents run around $400 a month for a 2 bedroom home.  I would say that a quarter of my renters are in the trucking or transport business.  While automated passenger cars will revolutionize cities, automated freight haulers will mean the death of much of middle America.  Trucking, by a large margin, comprises the most common job in the Midwest, followed shortly by many minimum wage jobs in the service industry.  While a fully automated passenger car is 5 years off, I would say it will be 7-10 years before most cross country trucking will be automated as well.

Courtesy of Boingboing.com

No state will escape this automation.  I fully expect half of my tenants to retrain for a new job 10 years from now.  Truck driving is a way of life for vast swaths of the States.  That will be gone ten to twenty years from now.  How this country deals with this is beyond my abilities to predict, but its safe to say higher unemployment in most states is guaranteed.  You can also add many newer jobs in the sharing economy to this list.  Lyft and Uber were merely transitional technologies.  Why hire an Uber driver to take you across town for $5 when an automated electric car does it for $0.50?

Auto mechanics will be rarer and rarer as well.  A fully electrical drive train requires little maintenance compared to combustion engines.  Jiffy Lubes and the like will slowly fade.  Even larger dealerships as a whole might disappear.  When a car needs maintenance it will simply drive to the facility that made it to be repaired.  You can add a litany of other car-centered businesses too.  In fact, it could very well be that you will never purely own an automated car to begin with, rather, rent it out by the mile.  That eliminates dealerships and a whole lot of secondary industries like aftermarket part makers.

This also will most likely lead to a fall in tax revenue and a need to completely overhaul infrastructure in this country.  Currently our roads are maintained in large part thanks to a tax on diesel and gasoline.  This will have to change as people will simply stop buying gas.  Auto insurance will drastically change as well.  How susceptible are automated cars to driving drunk or recklessly?  Spoiler, not often.  As more and more cars get automated, the risk pool for self drivers increases and so do premiums.  Eventually it may be exorbitantly expensive to drive yourself around. That’s billions of dollars in disruptions right there.

How does this effect real estate though?  Traditionally in this country we’ve seen a population migration to the cities due to the increase in job offerings.

Automation will hit most populations pretty equally.  While there will definitely be a period of stagnation and adjustment to our new robot overlords, its our job as real estate investors to figure out where people are going to go and how they are going to live.

For starters, any state that bases their economy around oil and gas are going to have a tough time.  If Mr. Hervey of Medium is correct, the price of oil and gas are going to drop significantly, and a whole lot quicker than people realize.

This is bad for states like Texas, Colorado and Louisiana as you can see from the map.  Large portions of these states are dedicated to oil and its infrastructure needs.  Now what happens when 1 in 10 people in the US stop using gas? Then 1 in 5? Then 1 in 3?  By the beginning of next year Tesla will be making 10,000 Model 3’s a week.  Nissan has two electric vehicles in the pipeline.  Audi, BMW and other luxury brands will have production vehicles soon after followed by Ford, GM and Chrysler-Fiat.  I fully expect real estate to correct harder in these states than in any other.  Such will be the life of any state with an oil-based economy.  While Texas is leading the way in wind power, dont expect the red state to fully embrace renewables any time soon.  The same goes for Oklahoma and Louisiana, though Colorado has some hope as they are slightly more liberal in their legislatures than their neighbors.  Still, it will be a bumpy road.

Now imagine living in a city without traffic.  Imagine a city without large portions of real estate dedications to parking.  Imagine every car in Los Angeles begins its day not in a garage but in some huge parking garage on the fringes of the city.  Every day a car would start its journey from, say Barstow, into the city to pick you up and take you to work.  After it’s done dropping you off, it either cruises around the city looking for passengers or returns to its leasing facility to prevent traffic.  It doesn’t sit in a parking garage or structure in Downtown wasting valuable real estate.  Suddenly a mall parking lot isn’t needed. Cities can become denser without the need to park in them.  Eventually, if they are smart, cities like LA will do away with parking requirements for all new construction.  That will bring the cost of building new high density real estate down significantly throughout the nation.

This also means that living in areas far outside the city are more and more reasonable.  Think about the areas that open up if you don’t have to sit in traffic all morning or night?  With every car automated, accidents become a thing of the past.  Traffic jams managed by large supercomputers back at Apple or Tesla.  Say your job is in Downtown Chicago, and you are limited to a 1 hour commute for your sanity.  Suddenly that bubble of where you live significantly expands as you zip through traffic with the rest of your automated commuters.  A myriad of smaller satellite towns suddenly become very livable and not so out-in-the-sticks.  A country home and a city job are suddenly well within reach.  Look at any small town that is just outside of a reasonable commute right now in America.  In five years, more and more people are going to want to live there.  Plan accordingly as a real estate investor.

This all has a huge impact on house houses are built and modified as well.  The American Dream of a 3bed/2bath house, double garage and picket fence suddenly no longer needs a garage.  While I fully expect older millennials with extra money to have their own personal car, that will become rarer and rarer.  So why not convert that garage into a mother-in-law suite or another unit and make a little money?  Or build the same house on a drastically smaller lot with the space you’ve saved.  Either way, cities become denser as do the suburbs.

And the very idea of moving somewhere with a better school district will most likely be a thing of the past if school buses are ever automated as well.  In fact, the whole idea of schools maintaining a fleet of buses will be a thing of the past.  Maybe the district in Muncie, Indiana isn’t that great and you want to send you kids to a posh charter school in Carmel?  Click the ride share app and send them on their way.  A car will drop them off when they are done.  The ubiquitous yellow school bus will be extinct.

Expect more Condo’s and apartments in the cities, and smaller houses in the suburbs and more of them.  Expect Tesla or some other company to roll in and do something with all of these abandoned inner-city gas stations.  The clean-up of the post-oil economy will be enormous.  Rather than have large lines out the door of fast food restaurants, the food may very well just be delivered to your door.  The future has some clouds on the horizon, but its bright beyond them.

The Silliness that is the Medical Marijuana Industry

Let me just start off by saying I am a big proponent of marijuana despite not using it myself.  I agree that it has medicinal properties and has helped many people deal with a myriad of different problems in their lives.  That being said, I dont believe it is medicine in its current form.  THC and CBD are potent medicines, marijuana the plant is not.

Its just a plant.  It should be bought and sold like alcohol or tobacco.  That being said, its not.  The industry that has sprung up around “medical marijuana” is immature and sophomoric at best.  As a business owner myself, let me elaborate…

A few months ago my father was diagnosed with terminal throat cancer.  As he had been through chemo and radiation before, this was the last diagnosis he would receive.  Its the dreaded “Just make him comfortable” conversation no one wants to hear.  Through some internet research and conversations with some doctors, the letters CBD kept popping up.  CBD stands for Cannabidiol, which is the non-psychotropic ingredient in marijuana that makes all the liberals think its medicine.  And it does show some promise as far as treating cancer, but a drug based off of it is a long way off.  So what does that leave the everyday consumer desperate for a cancer cure?  The Medical Marijuana Industry.

Medical marijuana was legalized in CA through Prop 215 all the way back in 1996.  At this time, its a 20 year old industry.  Illegal marijuana use extends back into history, but the actual industry got its start here in our state.  This year, the voters of our state finally figured out that they just wanted to get high and passed a complete legalization and taxation proposition. Hurray left coast.

medical-marijuana-pain-relief

Until the state legislature figures out how to deal with actual legal weed in CA, we have to suffice with the medical marijuana industry.  And people like myself, who do not use the drug but need to buy it anyways, have to deal with it.  So below is the account of an outsider to the world of weed.

First off, finding a medical marijuana “dispensary” is fun in itself.  Using sites like www.weedmaps.com is easy enough, but actually finding the brick and mortar storefronts are another thing entirely.  Always located in some backstreet strip mall or office complex, they can be difficult to find.  Furthermore, most lack any sort of signage indicating what type of business they conduct on the inside.  There are three within reasonable driving distance of my house: Pasadena Alternative Care, NHC: Natural Health, and something ominously called Green Goblin.

I drove past Pasadena Alternative Care first.  Actually I drove past it several times as there isnt any sort of signage outside.  I dont know if thats due to local ordinances, Prop 215 rules or incompetence. There is just a small white storefront with a picture of a Buddha on the front door.

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Green Goblin is easy enough to find.  Its hard to miss the glaring picture of the Green Goblin outside.  Unfortunately for them, I know that the comic book character they represent poisons people for fun.  I passed on that shop almost immediately.  I dont care if its named after a strain.  Get your shit together and at least name your shop after a leafy green hero.

green_goblin2

Don’t buy anything from this man.

I couldn’t actually find NHC.  I actually walked past its store front several times thinking it was an abandoned building.  One of its windows was broken, and there was zero signage accept for an address across the front of the door.  I found the door open and entered what seemed to be a normal doctors office waiting room.

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Except it wasn’t.  The lady at the front desk was nice enough, she asked to see my ID and paperwork and told me to have a seat.  A few things stuck out.  One, the receptionist was behind several inches of bullet proof glass.  Entrance to the actual shop was done via a two door security room.  The coffee table had such normal doctors office magazines like Good Housekeeping and Marie Claire, but intermixed with them was advertisements for marijuana products.  Said advertisements were a stark contrast from the magazines.  Where Good Housekeeping had some semi-famous actress in conservative dress, the weed adverts exclusively included busty tattooed women bending over cars or straddling jars of bud.

papa-baer

So this medicine does what again?

Finally you get buzzed in past the security door.  Almost immediately you are hit by the smell.  An entire wall is devoted to various different strains of weed of different strengths.  Let me just say my biggest hiccup for this industry is the way it names its strains.  Its had twenty years to come up with some semi-medical names for its plants (because they claim its medicine).  What have they come up with in 20 years of marketing?

  • Soul Assassin.  Again, not putting something associated with death in my body.
  • Hazmat.  Are you fucking kidding me?
  • Ben Dover.  I hope its named after a legitimate person and not by some high 15 year old.
  • ZZBZ. After research this is a Serbian acronym.  No offense to Serbia, but not putting it in my body.
  • Space Candy.  You know this is a drug right?  Imagine if the makers of Vicoden renamed their drug Space Candy?  Cue shit storm.
  • XJ-13.  Props to the botanist, but you make this sound experimental.  Not putting it in my body.
  • Rogue One.  You named a strain after a movie?  Should rename all chemo drugs “Die Hard” while we are at it.
  • Space Nugs, Moon Rocks, Phantom OG, $100 OG, Flame OG, Viper OG, Super Glue and so on and so forth.

My point being, after 20 years of being in business you’d think growers would stop naming their strains after things that 15 year olds think are funny.  Figure out a nice conservative name for your medicinal product and peer-test it for gods sake.  Yeah, so its going to have some gibberish name like Viagra or Tylenol, but I don’t have second thoughts about the drugs when I read those names.

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If you can get past the absurdity of the marijuana on display, the edibles are marginally better, albeit not by much.  Sometime years ago, some chemists figured out they could combine THC and literally any sweet or salty food and a sub-industry was born.  You’ve got sour gummy bears, Cheese-its, cooking oils and chocolate chip cookies all loaded to the brim with THC and CBD.  Yet, as is before with the weed, all the wrapping and advertisements were designed by and marketed towards teenage boys.

cannabis

And what looks suspiciously like Smirnoff Ice at the bottom right.

For starters, nearly everything suffers from the psychedelic color curse.  I don’t know how weed got associated with bright geometric designs and tie-dyed everything, but just stop.  If you are smoking a strain that makes these colors trip you out, then there is something other than marijuana in your bong.  I’m 33 years old and I don’t want to buy medicine in what looks like my college dorm room.  The closest thing to a professional product I saw were Kiva Bars, which could be mistaken for high end chocolates.

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The staff were nothing but courteous, friendly and knowledgeable from the front desk to the people behind the counter.  However, is it too much to ask that you dress like you work in the medical industry?  That’s probably the most petty problem I have, but its worth noting.  I’m fine with business casual for a pharmacy, but lets not dress like we are going to a Dead concert.  A legitimate business should have legitimate looking workers.  Polos people.  Its not that hard

Marijuana

This is Gilmore Girls.  Lose the hat Luke.

Basically it comes down to one of two things: Does marijuana want to go the medical route and become legitimate or does it want to cater to people that smoke it for recreation?  Thankfully my state has opted for the latter so we can all stop this charade.  But the industry is still going to continue to be immature, and that needs to stop if they want to be legitimate in the eyes of the public.  That means professional advertising, clean professional storefronts and actual dosing sizes for medical purposes.  But that seems too much to ask for at this point.

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Looks legit.

**I wanted to point out, too, the ridiculousness that is getting a recommendation for medical marijuana in California.  When I originally obtained my marijuana card in 2009, I went to an actual doctor and was examined, albeit not extensively.  But there was a small amount of effort on my part.  When I renewed the card this year, I found there were teleconference services where you didn’t even need to leave your house.  PrestoDoctor.com and the like are super convenient for the consumer, and I had a teleconference with an actual doctor.  In and out in 15 minutes or so, all without putting on pants.

However, its the absolute antithesis of what you want to legitimize the industry.  Can you imagine if you wanted any medicine and all you had to do was have a Skype meeting with a doctor to talk about your symptoms?  I better have a damn good reason to want Vicodin from my GP AND show up AND be examined.  With weed, not so much.

 

 

 

 

 

 

 

 

 

 

 

 

 

The Trump Economy for Property Investors

For transparency purposes, I’d like to point out that I am not an economist. My college degree isn’t in economics and in general I find it a boring subject most days.  What I am, however, is a real estate investor and serial entrepreneur.  I have run companies large and small, have been the small cog in larger companies and generally know how small business lives and operates in the United States economy.

Most people focus on the social aspects of a Trump Presidency.  Will he eliminate abortion? Gay marriage?  Will Muslims and latinos be rounded up and deported?  That’s not what I’m focusing on with the post.  I want to focus rather on the economic impacts to small businesses and large.  I believe that if there is true lasting damage that can be caused by Trump, its to the economy as a whole.

I’ll admit, I voted for Clinton out of purely selfish reasons.  I wanted someone who could keep the lights on, the water running, and the cogs spinning.  While Trump is a businessman, I found his track record dubious at best.  There is a long list of failed businesses and broken contracts that left a bad taste in my mouth, aside from the whole pussy-grabbing incident.  I also personally believe you cannot operate a government like a business and vice versa.  They are two different skill sets.  Where government is exact, business is efficient.  For instance, if someone wants to buy one of my investment properties and makes it known they dont have enough money, I don’t have to give them the time of day.  Whereas in government, and citizen with a legitimate grievance must be heard no matter their race, sex or bank account balance.  At one time in real estate, you could simply not sell to black people if you so desired.  You were given that sort of freedom in business.  I believed, and still believe, Clinton had the proper tool set needed to run the country.  I don’t even know what Trump’s toolset is, or if its even close to my own.

While the Trump candidacy was pretty vague as to what it would actually do, earlier in October they released a plan for its first 100 days in office.  I’ll discuss them in depth from the perspective of a small business owner:

“FIRST, propose a Constitutional Amendment to impose term limits on all members of Congress”

This really has nothing to do with my company.  Best of luck to him.  If you can get 2/3rds of congress to vote against their best interests, then hes going to go down as one of the better presidents.  Then 3/4ths of the states have to ratify it in their legislatures.  I’m going to go out on a limb and say this will be forgotten by Summer of 2017.

“SECOND, a hiring freeze on all federal employees to reduce federal workforce through attrition (exempting military, public safety, and public health)”

As a property investor, anyone with a  job that pays rent is great.  Less government jobs means less qualified renters, albeit by a tiny amount.  I don’t operate in an area where a military member would rent my house, so most of this doesn’t apply.  Trump can do this through executive action I believe, not that he needs to.  I’m sure a GOP congress would be happy to oblige.  Neutral to slightly negative for property investors.

“THIRD, a requirement that for every new federal regulation, two existing regulations must be eliminated;”

This is really vague, and completely arbitrary.  I came into real estate at a time where there was little to no regulation and it came to bite us in the ass pretty hard.  As much as I would love to not deal with HUD regulations, they are there for a reason.  Say he does away with many HUD regulations or HUD entirely (its not out of the question).  I would have some serious questions as to how my Section 8 tenants are going to pay rent.  I would also worry about the loan market if it were left up to the free market.  Does sub-prime come back? Or is lending going to be restricted to those who can afford it only?  While this may free up a ton of money, the pool of buyers becomes smaller.  Its a net negative effect I believe.

“FOURTH, a 5 year-ban on White House and Congressional officials becoming lobbyists after they leave government service;”

I’m not a political science wonk, but my fiancee pointed out to me that this runs against the First Amendment.  Best of luck to Trump with this one.  Net neutral effect on property.

“FIFTH, a lifetime ban on White House officials lobbying on behalf of a foreign government;”

See above.

“SIXTH, a complete ban on foreign lobbyists raising money for American elections.”

Terrible irony aside, I don’t really see this impacting real estate.

“SEVENTH, I will announce my intention to renegotiate NAFTA or withdraw from the deal under Article 2205”

Its pretty much agreed that this would start some sort of trade war with Mexico.  Seeing as Trump plans on building a gigantic wall down there, I think that’s the idea. There’s a few problems with this though:

export-countries-map-2016

NAFTA allows the tariff free trade of goods through US, Mexico and Canada.  You can argue for days whether this is good or bad.  Statistically there was a net benefit as a whole, but that gets all thrown out the window.  To give you an example, Walmart had something like 900 retailers in 1993.  Currently, and partially due to NAFTA, Walmart has over 11,000 stores across the world and is the largest private sector employer in the United States.  They do this by provided the absolute lowest price, ordering in bulk and streamlining their operations.  You can say what you want about Walmart, but they are efficient, smart and would be utterly devastated by a 45% tariff placed on overseas/Mexican goods.  Walmart employees 1.4million people in the US.  There are two supercenters in the city I invest in and  dozen in the city I live in.  I can only imagine the shock when goods from local retailers are suddenly 45% more.  I would seriously worry that a number of my renters would lose their jobs and thus stop paying rent.  Thats a huge net negative for real estate investment.

“EIGHTH, I will direct the Secretary of Commerce and U.S. Trade Representative to identify all foreign trading abuses that unfairly impact American workers and direct them to use every tool under American and international law to end those abuses immediately”

This is so completely vague I don’t really know what you can say.  Are you addressing the dumping of chinese steel on the world market? OPECs stranglehold on oil production? Chinese hoarding or rare earth materials?  Ending those abuses is great in theory and a net positive for real estate investment, but there is significant lag time from implementation to seeing an effect.  Also, expect some sort of economic retaliation from those countries in turn.  Net negative or net positive for real estate.

“NINTH, I will lift the restrictions on the production of $50 trillion dollars’ worth of job-producing American energy reserves, including shale, oil, natural gas and clean coal.”

That would be an overall net positive if the world wasn’t already vastly over-supplied with crude, natural gas and coal.  So long as chinese workers mine coal for $5/day, West Virginia will never see its production restart.  You may see net positives in areas that produce oil and gas, but again those are highly volatile areas of investment.  The boom and bust of that industry is not conducive to long term investment in real estate.  Lastly, renewables are now at, or below cost parity with fossil fuels.  There’s more jobs to be had at Musk’s Gigafactory or Iowa’s wind farms than there is in shale production.  Net neutral to net positive for real estate (but not by much).

“TENTH, lift the Obama-Clinton roadblocks and allow vital energy infrastructure projects, like the Keystone Pipeline, to move forward”

Last time I read Keystone would only produce a few dozen stable jobs after construction is complete.  This will have little to any effect on real estate investment.

“ELEVENTH, cancel billions in payments to U.N. climate change programs and use the money to fix America’s water and environmental infrastructure”

Theoretically this would be the biggest net positive so far.  How and when that money gets to the cities is still to be seen.  This is out of the President’s control, but would be a good start.  Currently Flint is a wasteland, and anyone investing there is losing their shirts.  I’m willing to bet good money there are a dozen cities like Flint to pop up when this money is available.

“TWELFTH, cancel every unconstitutional executive action, memorandum and order issued by President Obama”

Trans Pacific Partnership would be the major loser here.  Any clean power plan is gone.  Its effect on real estate investment are completely unknown as its impossible to know which orders Trump will axe.

“THIRTEENTH, begin the process of selecting a replacement for Justice Scalia from one of the 20 judges on my list, who will uphold and defend the Constitution of the United States”

Aside from any sort of bank regulation or pending cases with Fannie Mae or HUD, this is a net neutral to real estate.

“FOURTEENTH cancel all federal funding to Sanctuary Cities” 

Honestly I have no idea how this would work.  The loss of federal grant money to any city would be terrible for investors.  A loss of several billion dollars in federal funding on the west coast would have reverberating effects on surrounding property values.  Cuts to social services or increased local taxes would follow.  Both are net negative for real estate investment.

“FIFTEENTH, begin removing the more than 2 million criminal illegal immigrants from the country and cancel visas to foreign countries that won’t take them back”

This effect on real estate really depends on what it will look like.  If it is simply deporting criminals currently in the system, then its net neutral.  If its deporting aliens via traffic stops and warrants, then its potentially catastrophic for many latino areas.  Deported tenants mean lost revenues.  Empty houses lead to vandalism.  All lead to lower property values in the short term.  Net negative for real estate most likely.

“SIXTEENTH, suspend immigration from terror-prone regions where vetting cannot safely occur. All vetting of people coming into our country will be considered extreme vetting.

If he is talking about poor refugees from Syria, than this wont effect real estate at all.  If he bans all Muslims from entering the country for any amount of time, that can have severe consequences on real estate.  Qataris, Saudis, Iranians and Turks account for large amounts of real estate holdings on the coasts.  If they are forced to sell, or not allowed into the country, that can potentially be very bad for metropolitan areas.  Less investors means a net negative for real estate.

Additionally, he plans to push through the following Acts:

Middle Class Tax Relief And Simplification Act: Tax brackets reduced to 3 (12, 25 and 33%).  Increases standard deduction to $15,000 or $30,000 depending on marital status.  Deductions capped at $100,000 or $200k for married couples.  Obamacare tax eliminated. Alternative minimum tax and estate taxes are both eliminated. Childcare is now tax deductible.  Business tax reduced from 35 to 15% across the board.  Corporate AMT eliminated.  Most corporate expenditures eliminated.

For real estate investors, and small businesses in general, this seems awesome and a net positive.  However, in the long run this will run up the deficit significantly, and massive changed in the tax codes are always messy things historically.  It is also unclear if this will have any sort of boost to middle and lower income families.  Net positive to net neutral.

End The Offshoring Act: Establishes tariffs to discourage companies from laying off their workers in order to relocate in other countries and ship their products back to the U.S. tax-free.

Great in theory, absolutely terrible in practice because of this:

state-imports-map

And this:

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Discouraging companies from relocating overseas is a well-needed regulation for this country and in general would be a net positive.  Doing this by establishing tariffs on goods said companies produce overseas would lead to trade wars and retaliatory tariffs.  Imagine China imposing a 50% tariff on Iowan corn or 30% on cars produced in Alabama.  Worse yet, they could escalate by simply refusing to by US Treasury bills.  If you want an example, read up on the Smoot-Hawley Act.  Long story short, the tariffs imposes reduced America’s imports AND exports by more than half.  HALF.  The day Canada slaps a 60% tariff on trucks made in Michigan is the day Michigan’s economy collapses.  I can’t begin to explain how negative this will be for real estate investment and investment as a whole.

American Energy & Infrastructure Act: Leverages public-private partnerships, and private investments through tax incentives, to spur $1 trillion in infrastructure investment over 10 years. It is revenue neutral.

More roads and bridges are good for the economy in general.  Having to pay every time you drive on them is not.  The Act basically provides large tax credits to investors who build infrastructure projects minding of course said projects have a revenue stream.  That means lots of toll roads.  That means potential abuses of eminent domain which is always negative for real estate investors.  Could be positive or negative depending on where you invest.

School Choice And Education Opportunity Act:  Redirects education dollars to give parents the right to send their kid to the public, private, charter, magnet, religious or home school of their choice. Ends common core, brings education supervision to local communities. It expands vocational and technical education, and make 2 and 4-year college more affordable.

The last part I assume is just a lovely theory not backed by anything.  Essentially these are block grants given to the states via the Dept of Education.  Better local schools always means better real estate appreciation.  However, not ever area has access to charter schools.  Moreover, the areas with bad public schools rarely have openings for an influx of charter students at new charter schools.  Charter schools also don’t always equate to better schools, as many have failed in the past.  This is net positive, but needs to be flushed out more and tested.

Repeal and Replace Obamacare Act: Fully repeals Obamacare and replaces it with Health Savings Accounts, the ability to purchase health insurance across state lines, and lets states manage Medicaid funds. Reforms will also include cutting the red tape at the FDA: there are over 4,000 drugs awaiting approval, and we especially want to speed the approval of life-saving medications.

Socially, its effects are pretty obvious.  Twenty million people lose their insurance, including yours truly.  Obamacare recipients aren’t sickly degenerates.  Many of them are small business owners.  While yes, premiums have risen, there is no proof here that premiums wont continue to rise without ACA regulations.  That stresses both the investor, the buyer and the tenant.  With less money to go around, fewer houses are bought and rent is not paid on time.  Unless they can flush out what HSAs truly mean to the marketplace, Im having a hard time seeing how this is anything but a net negative for real estate investors.

Affordable Childcare and Eldercare Act: Allows Americans to deduct childcare and elder care from their taxes, incentivizes employers to provide on-site childcare services, and creates tax-free Dependent Care Savings Accounts for both young and elderly dependents, with matching contributions for low-income families.

This would most likely be a huge net positive for buyers and renters.  However, its implications are not yet known.  Its negative in revenues to the government for sure, and its passage by congress is questionable at best.

End Illegal Immigration Act: Fully-funds the construction of a wall on our southern border with the full understanding that the country Mexico will be reimbursing the United States for the full cost of such wall; establishes a 2-year mandatory minimum federal prison sentence for illegally re-entering the U.S. after a previous deportation, and a 5-year mandatory minimum for illegally re-entering for those with felony convictions, multiple misdemeanor convictions or two or more prior deportations; also reforms visa rules to enhance penalties for overstaying and to ensure open jobs are offered to American workers first.

I will believe it when they start construction.  I would treat it as any large infrastructure project.  Areas around the Hoover Dam temporarily boomed during construction.  Border cities might see a temporary boost.  The changes in incarceration don’t really matter as far as real estate goes.  Slight positive if they actually build the thing, otherwise, neutral.

Restoring Community Safety Act: Reduces surging crime, drugs and violence by creating a Task Force On Violent Crime and increasing funding for programs that train and assist local police; increases resources for federal law enforcement agencies and federal prosecutors to dismantle criminal gangs and put violent offenders behind bars.

I suppose in general better law enforcement is a net positive to real estate values as a whole unless areas get sequestered or locked down.

Restoring National Security Act: Rebuilds our military by eliminating the defense sequester and expanding military investment; provides Veterans with the ability to receive public VA treatment or attend the private doctor of their choice; protects our vital infrastructure from cyber-attack; establishes new screening procedures for immigration to ensure those who are admitted to our country support our people and our values

Increased military spending is great in towns that manufacture military equipment.  So see booms in cities that have Boeing, GE and General Dynamics-type plants.  Cities with naval facilities will see a boost like San Diego and Norfolk.  Net positive if it actual passes congress.

Clean up Corruption in Washington Act: Enacts new ethics reforms to Drain the Swamp and reduce the corrupting influence of special interests on our politics.

This doesn’t actually say anything.

So in conclusion, it doesn’t look all bad from the bullet points.  However, the effects of tariffs upon this country far far outweigh any benefits they may bring to local real estate prices and investment.  Can America retool to be self-sufficient in manufacturing?  Sure, if there is a will to do so.  But there is significant lag time from implementation to action.  As much as I would love to see my renters employed in manufacturing plants making household goods, they are going to have to survive the closing of their local Walmarts and various other service sector employers.

The effects of tariffs upon a country that has had significant benefits of free trade agreements cannot be ignored.  Most consumers cannot survive a 40% increase in household goods or produce, certainly most small businesses cannot.  Hell, most large corporations will have difficulty coping. Unless Trump comes out with some sort of gradual tariff increase, or an actual hashed-out plan, I don’t see this ending well for real estate investors.

 

 

 

 

 

 

 

 

 

 

 

 

 

How Did This Happen and Where Do We Go From Here?

Lots of finger pointing on cable news today.  Lots of gloating on social media.  Depending on who you watch/read there are two narratives: Businessman defeats Washington insiders or Flawed candidate loses to political novice.  Then there is just a ton of memes and childish name calling when is par the course for US elections.  I just tune it out.

Most of my liberal friends in the nation-state of Californiastan cant seem to fathom how a man so vile, so toxic, so blatantly sexist/racists/misogynist could attain the highest office in our nation.  My answer for them?  You need to get out of the state more often.

California, for the most part, has survived the horrors of trade agreements like NAFTA and CAFTA.  Hell, most of us benefited from them.  But the states we consider fly-over status?  Not so much.  From my blog, you can see I travel to the midwest often, namely to Indiana.  The town I visit, Muncie, was once a thriving metropolis. So much so, it warranted stops by presidents.

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This is the Borg Warner plant in the 60s, and yes that’s JFK.  They made transmissions, chassis, suspensions and numerous other automobile parts.  At its peak, it employed 5000 good paying union members.  This is it today:

The BorgWarner factory that once employed thousands of people sits shuttered in Muncie

When it closed in 2009, it employed less than 800 people.  Whats left of the plant lies empty in the heart of Muncie, IN.  It was a victim of a perfect storm.  For years, automation had whittled away at its work force.  It simply didn’t take 5000 people to build a transmission these days.  What’s worse, due to NAFTA and CAFTA, a foreign worker would do the same job for pennies now without penalty.  More and more production lines were shipped down south or overseas, or simply eliminated altogether.

muncie-abandoned-factories-1

But there was a human toll to all of this economic carnage. People lost their jobs and saw their pensions cut.  Those people were mostly white, mostly older.  You can find them now dotted around Muncie.  They either live off their meager pensions or they work soul-killing service jobs.  These men and women didnt go to college, and college isnt an option for them now.  They are what the pundits call “low information voters” which is somehow more insulting than just calling them stupid.

To call them all the same is not doing your homework. What we liberals see on our TV is usually the extreme, because that’s what gets ratings.  No one wants to hear how Fred lost his pension and works at Walmart when there’s a man on CNN screaming the word “nigger” at the top of his lungs.  Yes, some of them are racist.  A few are white nationalists, a spattering of them are neonazis.  The KKK started a few towns over from Muncie, so that’s unsurprising.  For every Nazi-saluting asshole, there are a 100 men and women just trying to make ends meet.

women-of-the-klan-muncie-indiana-1924

Muncie women in the 1920s

They have two things in common though: They all feel victimized in some way and they are all very pissed off.

gerald-poor-l-talks-to-long-time-friend-and-former-co-worker-larry-terrell-in-front-of-the-now-shuttered-borgwarner-factory-in-muncie-indiana-us-august-13-2016-poor-worked-at-the-factory-for-over-40-y

To the college educated who can give you economic numbers and solid arguments with their anger, these conservatives only have their anger.  Many lash out at whatever is convenient.  Obama seems to be a common target.  Hes everything they are not: highly educated, liberal, well articulated and black.  Clinton was a natural segway.  All of this comes with an air of superiority, which I confess I partake in as well.  All of it breeds resentment.  Clinton is to be opposed simply on principle. Sure a few old timers remember the days of Bill Clinton and NAFTA.  They can back up their anger with reason.  The Clintons destroyed their lives in Muncie.  You can replace any midwestern or southern town name with Muncie.

kkk

And lets be honest here. Living in Muncie isn’t that fun these days.  Theres Ball State and the hospital for sure, but the major employers are gone.  Ford and GM will never come back.  Chrysler doesn’t even exist anymore.  Where all the old houses in LA were replaced with shiney new construction after the housing crash, rotting shacks still dot the city.  Its leaps from what it used to be sure, but its not exactly booming.  Heroin addicts, Muncie’s walking dead, meander through the city.  With nowhere to go and nothing to do, its no wonder the city’s inhabitants turn to drugs.  There are cracks of light here and there, but a cloud hangs over the city and the state in general.  Thats what its like to live in the sticks.

muncie-drug-arrests-fox

Then comes along someone who changes it all.  It could have been anyone, but it just happened to be Donald Trump.  He says he can make America great again.  They look up from their Budweiser and remember what it was like to have pride in their job.  They look around their city and remember what it was like when everything had a fresh coat of paint.  They remember they used to be happy living in Muncie.  It was a nice town and can be again.  They listen to television liberals who say the manufacturing jobs are gone forever, then hear an orange man saying that’s untrue!  What do you expect them to do?  Can he back up what he says with numbers and facts?  No, and they don’t care.  They’ve spent the day working their ass off at the local Walmart loading dock for minimum wage when they used to build transmissions for $20/hr in the 90s.  They’ve been living at rock bottom for some time now.  Everything from here is an improvement.

So thats why Trump is a thing.  Whether Trump pulls off anything that he’s said is another post entirely.  Personally, I think all the people above were sold a bad bill of goods.  As a business owner I can attest to how frustratingly inefficient government can be, and I think Donald will share my frustration.  We now have four years to find out if a businessman makes a good president.  One thing is certain: if he doesn’t come through on his promises, the backlash of the midwest will be severe and whatever follows will make Trump look like Mother Theresa.

 

 

 

 

 

 

 

 

 

 

 

 

To My Liberal Friends Wishing to Secede

So Donald Trump is going to be our new President and my liberal friends think its about time to separate the great state of California from the rest of the union.  This petition is going around.

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Secession?  Really?  The man hasn’t even step foot into the White House and you are talking about blowing up a 300 year old union?  I am about as liberal as you can get in California, but just stop and think about what you are doing for a second people.  If you think Californian secession is a good idea, I need you to answer the following questions:

  1.  Are you prepared to fight for your beliefs?  This includes, but is not limited to openly declaring war against the rest of the United States.
  2. Are you prepared to turn your neighborhoods, schools, parks and beaches into potential war zones?
  3. Do you own and can you operate a firearm?  Do you have sufficient ammunition for an extended war?
  4. Do you have sufficient supplies for you and your family in case war breaks out?  This includes food, water and medicines.
  5. Are you comfortable shooting police officers, soldiers and potentially your own neighbors?

If you answered yes to all of these questions, you are unlike any liberal I know and you are probably an asshole to boot.  Yes, the petition says that secession can be done peacefully but don’t kid yourself.  That’s not going to happen.  No congressional convention is going to happen and no constitutional amendment will ever be granted.  That leaves only one other option: War.

What this looks like to the rest of America is a bunch of spoiled Millenials lashing out on Facebook because they didn’t get their way.  It wasn’t funny when Trump supporters posted memes all over social media saying they’d take out the government either.  This is in the same category of lunacy.  You have all the manners of crazed militiamen but none of the weapons training.

usa-election_militia

Think these guys, but vegetarians.

As the YesCalifornia.org site says, we are the sixth largest economy in the world by ourselves.  Do you think they other 49 states and the federal government would just let you sign a petition and walk away?  No.  Do you think Nevada, Arizona and Oregon would suddenly be okay with taxes and tariffs set on their goods?  Or maybe the US military is just fine with letting you walk away with a number of military bases, hardware and personnel?  Get real.  You would crash both our economies.  Countless people would lose their jobs, billions of dollars would become useless and I am willing to bet a ton of people would end up dead.

I’m willing to concede to you one point: secession should always be an option for any state with a legitimate grievance.  There may come a day during the Trump presidency where he crosses the line.  That may come when he starts rounding up anyone that looks remotely Mexican.  It may come when he starts jailing his political opponents.  Or maybe it will come 4 years from now when he refuses to concede after losing an election.  Then, by all means secede and let the world be behind you.  I will gladly take up arms with my fellow Californians, but not now.  I will not secede simply because the election didn’t end up the way I wanted it to, and neither should you.

 

 

 

 

 

 

 

BiggerPockets Musings

If anyone is thinking of getting into the real estate investment business, the website http://www.BiggerPockets.com is a must.  Its a basic how-to guide that I wish was around much earlier in my real estate career.  Its basically a forum with how-to guides on how to buy, rent and flip properties.  For the most part, invaluable wisdom that you used to have to pay for a few years ago.  Now its free.  However, like any internet forum group, it forms its own group-think mentalities that just have a hard time wrapping my head around.  See, below:

I can only tell you from my perspective owning over 100 rentals currently (mostly in NW Indiana) and being on the construction end of over 500 for me and other investors and helping clients find over 400 over the last 8 years that this price point will not perform over the long haul better than the 60k-120k areas.
However what I can guarantee is that you will have more brain damage with more properties to get to the same financial freedom # these houses look like 15-30% cap rates on paper but at the end of the day (if you get a large enough statistical snapshot) you will find that you will end up with a true 10-12% cap with 2x (or more) the headache the other thing to consider is upside and downside of the cyclical market in general… The homes in the 85-150k range in my opinion have a better chance to raise in value over time because they are in more desirable places (everyone wants what everyone wants and no one wants what no one wants) I’m not saying this is how we invest for cash flow but it certainly has to be part of the conversation
I also believe that in an area like Indiana where the land is so cheap the price of the homes do not go down as much (in this higher price point )in a down turn. However in those areas where the houses are 30-40 now you will see homes at or under 10k meaning (in my opinion higher risk) out of the 104 rentals we have only 5 are in these lower price points and we have 4x the turn over and 5x the repairs which really screws up your equations….. If you do invest in these areas and want accurate #s to go off of just make sure you adjust your vacancy to 10% and your maintenance to 12% and most property managers I know want 10% for management For these compared to the 8% you can get in the higher price points…. Hope this helps give insight. I know and love Shawn and I know he is trying to help as am I

If I can be of any assistance let me know
Good luck

Tom Olson

Now, Im sure Tom is a great guy.  But, like many users of the site, he’s fallen into the group-think trap.  He’s also an older more-established investor thats been around for awhile.  What worked for him, worked for him.  It doesnt necessarily mean to take his advice as the word of god.

For starters, 20 years ago, anyone who wanted to invest in Northwest Indiana would have been laughed at, and rightly so.  Gary, IN is still to this day one of the murder capitals of the US.  Does it work now?  Sure.  No one can afford to live in Chicago anymore, and prices and taxes are cheaper on the other side of the border.  Did anyone even consider this 20 years ago?  No.  Because owning anything east of the border was investment suicide.  A few years pass, some investors take some risks like Tom here, and PRESTO, instant money maker.  Toms advice, like anyones, is based on his experience.  And his experience doesnt always work for new investors.

This comes from a BiggerPockets.com thread regarding investment in $40,000 or less rental properties.  Its chocked full of people talking about some “$40k” rule where you immediately dismiss a property if its valued that low.  As someone who buys at tax sales in Indiana, I was perplexed to read over and over again how stupid I am for investing in such terrible properties.

@Mike D’Arrigo    this topic is brought up once a week on BP

If you live in the area IE within 30 to 40 minutes of the asset and you want a job.. then by all means these can work.

if you live on the west coast and want to sit in your barcolounger and rely on PM and your tidy tenant then your going to lose your %@@ on these type of 30k homes.  flat out guaranteed.. you will as a out of state investor end up selling to some wholesaler like @John Babcock who will then sell to some TK company or other investor..

FOLKS remember 50% of all these homes come from Failed landlords.. plain and simple that’s a fact.. If you live in the market and want to make it a job then that’s fine

I have cleints I fund that own hundreds of these and they work them.. BUT no PM  they self manage it all they have their own rehabbers etc..

so really depends on who is the buyer

This guy for instance.  You’d think the world was ending in Muncie, Indiana where I currently hold all of my properties.  Im sure Jay has lots of idiot clients that mismanage their rentals, but losing my ass guaranteed?   Pretty bold statement Jay.  Got any data on that?  No?  Just a gut-feeling huh?  Thats what I thought.

What they are both getting at is that lower priced homes tend to have more upkeep and repair costs.  In other real estate news, duh.  I understand that these boards are for teaching and learning, but sometimes it devolves into a weird pecking order where older more successful landlords shit all over younger people like myself.  I hate to tell Tom and Jay, but Im not paying $120,000 for a house in Indianapolis just to make $300 more a month in rent.  Rather I buy a property in Muncie’s tax sales for $10k and put $10k into it and leave it a solid rental for 20 years than pay retail in Indianapolis.

Like any group, they hate people that push the envelope of the group-think paradigm.  Jay and Tom need to pull their heads from their asses.  Real estate professionals have been spoiled to long with the “fix-and-flip” attitude.  People approach real estate investment from all sorts of angles and with varying amounts of resources.  Calling some recently graduated college student and idiot for buying a $30k home isnt productive.  You can make money off of them if you know what you are doing.

I bought an 8-unit apartment building in Muncie, IN for $20,000 early last year.  For all intents and purposes, people on this forum would have called me retarded.  Fifty thousand dollars worth of rehab later the units are rented out and the building is pulling in nearly $50k A YEAR.  Dont tell me it cant be done.

Now if you’ll forgive me, my barcolounger is calling.

 

 

Are we going to do this shit again America?

I am thankful enough to live in a place where I have no idea what 50 dead bodies looks like all lined up.  Throughout my travels in the world, I’ve seen the occasional dead person, but never more than one at a time.   Throughout my travels on the internet, I’ve seen the pictures of what a large caliber weapon can do to a persons body.  But, I am not naive enough to deny that pictures can only show so much.

Nor am I particularly interested in finding out what that looks like today or any other day.

But I find myself writing about a mass shooting again.  This time, the largest in US History.  This time, in a gay night club in Florida.  The who and where are different, but the story is relatively the same.  Lone wolf buying American weapons. Democrats will blame gun control and Republicans will blame Islamists. Rinse. Repeat.  Eventually someone gets called a Nazi and the debate devolves from there.  Nothing is done, nothing is solved.  Its another morning in America.

This country has become a place so polarized, its almost beneficial to just keep your mouth shut.  Not only are opposite political beliefs morally repugnant, but the people that spout them are now evil.  Im not sure when this happened, and if you ask either side they will give you a different answer and date.  The Democrats will says Bush after 9/11.  The Republicans will say it is either Clinton or Obamas fault.  Neither are right.  Both are right.  It just depends on which news station you tune into I suppose.

Its easier to put up a funny meme calling Donald Trump Hitler than it is to sit down and debate his immigration policies.  We live in a Twitter world now.  Characterize your arguments in 144 characters or less.  Or perhaps a political cartoon that doesnt take much thought or effort to post to Facebook?  Obama’s going to take your guns?  Seems reasonable enough, click share.  Trump’s creating death squads?  Better re-tweet it before the meme gets stale. Either way, nothing of substance is said.  You think you are having a discussion, but so long as you remain behind a keyboard, its impersonal, brutish, and short-lived.

And it got me thinking, what is it I exactly believe, because I honestly dont think I’ve ever written it down.  Its rather easy to label me, just from Facebook posts alone.  But there are caveats, asterisks, and lots of “buts”.  So I thought I’d list them here, not just for a meager audience, but for me.

  • I believe the United States of America is the greatest country in the world, but I am not naive enough to believe we’ve acted like saints since 1776.
  • I believe that for the most part, people are fundamentally good.  But I have met truly evil people in this world, and I know it can never be a utopia.
  • I would most likely be defined in this country as a liberal, but I have some conservative viewpoints as well and I dont think that makes me a bad person.
  • I backed Bernie Sanders, but I dont think Hillary Clinton is literally Satan.
  • I think Trump makes an excellent businessman, but a terrible president.
  • I think everyone in this country has the right to life, liberty and the pursuit of happiness.  But I dont think this country has been or ever will be some libertarian paradise.
  • I think people who follow the teachings of Ayn Rand live in a fucking fantasy world and have no business in our democracy.  The same goes for Karl Marx.
  • I think service to this country should be mandatory, whether it be civilian or military.  I think people who have participated in said service should be allowed to vote in elections.
  • I think voting should be mandatory and that democracy isnt a spectator sport.
  • I think keeping citizens healthy is governments job.  I dont consider health care a right, but I do think the government should be responsible for its citizens.
  • I think our immigration policy is absolute garbage, but that it doesnt make me a racist for saying so.
  • I think if an employer is caught using illegal immigrants, they should be fined heavily.
  • I believe H1-B visas shouldnt be a thing.  Either be actively seeking citizenship and be a tax payer, or dont bother.  If you cant operate your business without foreign labor, then move your business to that country or shut it down.
  • I believe the market minimum wage is zero dollars an hour, and that doesnt work in this country.  I also think raising the minimum wage in this country shouldnt make you a socialist or a communist.
  • I think if paying someone a few dollars more to work a cash register adds a few cents to your Big Mac, thats your problem, not theirs.  Not wanting to live in abject poverty shouldnt be looked down upon.
  • I think people should know at the very least, the definitions for communism, socialism and capitalism before opening their mouths to comment on them.
  • I know that 99% of people that come to the USA do so to make a better life, and most US citizens would do the same if the tables were turned.
  • I think excluding certain races from entering the country is fundamentally wrong, but I do believe that certain political views are incompatible with democracy and asking those questions is just fine with me.
  • I believe that if you have no intention of participating in democracy then you have no business in this country.
  • I believe building a wall to keep an entire country out is pointless, silly, and those who believe it would work should be openly mocked.
  • I believe people should learn how amending the Constitution works before opening their mouth about the subject.  Doesnt matter what side you are on, its usually not going to happen.
  • I believe abortion should be rare, as well as legal.  But I understand the other side’s points.
  • I believe that every man and woman over the age of 18 should be able to own a firearm.  But I also believe they should be able to pass a background check while also proving they can safely fire and store it.
  • I dont believe an assault rifle is a decent weapon for home defense, but I dont think you should be banned from owning one as a responsible upstanding citizen.
  • I believe that so long as you can buy a weapon at a gun show with a background check, all concealed carry permits should be granted.
  • I think the Federal Government should be involved with who can buy guns, when and where.  But that is all.  I think the states should do the rest.
  • I think there is a group of people in this country that arent taxed correctly.  But I also think that taxing people isnt always an option for fixing a problem.
  • I think people that want a flat tax on anything dont understand how taxes or the economy works.
  • I believe anyone, foreign or domestic, who raises arms against the US government should be prosecuted for treason.  I dont care how good your point might be.
  • I believe all disputes, large and small, can be solved via democracy and justice.
  • I believe you cant run a government at all like a business.  The fundamental views of capitalism are at odds with the fundamental views of democracy.  People that say this either dont understand government, business or both.
  • I dont believe that businesses should be responsible for the health care of their employees.  That is the governments job as well as the employees.
  • I dont think all drugs should be legalized, but I think that the way we treat drug addicts in this country should change.  Addicts arent criminals.
  • That being said, I think trying to treat someone who just wants to do drugs until they die is pointless and only so many chances are given.
  • I think keeping US citizens on lists is pointless if you arent going to do anything about it.  I think anyone should be able to know what list they are on and how to get off of one.
  • I think you should be able to marry anyone of your choosing so long as they are competent and over the age of consent.  After that, you are responsible for whatever happens.
  • I dont believe the government should sterilize anyone, but I think at some point you have to argue to them about why you want a dozen children and how you are going to pay for them.
  • I think it is the government’s responsibility to have the most educated work force it can afford.  I dont believe that people should go hungry because they want a better education.
  • But I dont believe that all colleges should be free and without competition.  If you want to major in underwater basket weaving, you are going to pay for it.
  • I realize that some of these views might be contradictory of each other, or impractical.  But Im also up to changing these views if someone makes a solid argument.
  • I think this county’s best days are in the future, not in the past.

This is a short list.  Im up for a debate most days, but as of right now I am just so tired of this bullshit.

Black Lotus Whisperer

If you live in San Diego long enough, you will eventually become acquainted with the local homeless population.  San Diego is unique in that many of its homeless are also veterans often suffering from PTSD or other mental illnesses.  Its a much different feel than the happy-go-lucky crack addicts I often dealt with in Downtown Los Angeles.   This often causes me to steer clear of most of them, just out of habit.  Meth is also much more readily available here for some reason, which causes…issues…I’d happily turn my back to most drug addicts, but not the meth users.  They’d stab you for your shoes if it meant a quick high.

So it was obvious I kept the obviously methed out man in my sights as he approached me.

I’m getting ahead of myself.

Last night I found myself in an underground bar listening to 3 white dudes rap after a minor league hockey game.  Up until a few hours before, I was unaware minor league hockey was a thing.  They make up for their lack of playing with $2 beers til 8pm, of which my compadres and I took full advantage.  They are called the Gulls, and they play in the Valley View Casino Center in San Diego.  I recommend checking them out just for the experience.

A slightly inebriated me said goodbye to my friends and waited for the local ride sharing service to pick me up.  I stood alone (or so I thought), in a massively empty parking lot around midnight.  The occasional light flickered, traffic buzzed from the far off freeway.  I was not expecting nor wanting a conversation.  But never the less, I received one.

I heard him before I saw him.  A frantic shuffling, like some toddler who’s father never told him to pick up his feet.  He was sweating as if he had just ran a marathon in Death Valley.  Meth, I thought.  He probably wanted money.  I had none, at least not in the paper form.  I stood up a little taller, trying to make myself look like less of an easy target.  Not that I was worried.  Its hard to tell how old someone is when they are in the depths of a meth binge.  He was either 30, or 60.  Five-foot nine maybe?  A buck fifty in weight.  Meth skinny, with dirtied disheveled brown hair.  I could take him if needed.

“Hey man do you have any cash you could spare?”

Typical request I get almost weekly where I live.  I answered truthfully.

“Naw dude I’m out, sorry.”

What he asked next caught me by surprise.

“Do you know anywhere around here where people play Magic?”

Taken aback, I responded, “You mean, like, The Gathering?”

His eyes lit up like he had found a kindred spirit.

“Yeah! Awe man I’ve been asking people all night! No one knows what I’m talking about!  I’m trying to sell this, and I don’t know where to find a shop.”

He dug into his pocket and pulled out something that looked like this:

magic-unwrapping

If this was some sort of scam, I thought, it is way too specific.  Magic: The Gathering was/is a popular card game my friends and I played religiously in elementary and Jr. High School.  I wont bore you with the intricacies, but it was nice way for us nerds to get together and waste some time.  Im not sure if it was popular to the point where everyone knew and played it.  Most people I know in my generation don’t have a cursory idea it exists, let alone what cards do what and how much they are worth.  So it was unsurprising to me that this junkie was having a hard time finding someone who knew where to sell this card.

Oh, and for the uneducated, this is one of the most rare cards in the game.  Its so ludicrously over-powered, its actually banned from competitive play, but that didnt stop my friend Neil from playing it constantly.  Asshole.

To give you an idea of what its worth, a mint condition Beta Edition Black Lotus is currently for sale on Ebay for $125,000.  I couldnt tell what edition this man held, but it could be worth anywhere between a few hundred and a few thousand.  I was scared to think what this guy would take for it.

I was the only person in this parking lot for the most part.  What were the chances that he would come across someone who knew exactly what he had and where to take it?

In fact, I did know where people played Magic: The Gathering around there.  I had lived across the street for a few years and this place called Gamerave was a block away.  It would obviously closed at this time of night, but that didnt stop this man from thanking me profusely for showing him where it was located.  He shuffled off into the night, never to be seen again.

God speed my friend.  I hope you find what you are looking for.