It was a perfect day to sit at one of the outside tables at Starbucks. A middle- aged man surveyed the tables and picked one next to two women, one older than the other, both professionally dressed. The younger of the two grabbed his attention. She was beautiful, and all the parts of her slender body were close to what he thought were ideal for a woman. He was not into big breasts or big bottoms. The only flaw he could see was the redness in her eyes apparently from crying. He sat down at the table next to them and adjusted the amplifier in his ear. Their conversation came through loud and clear.
The younger one was speaking. "I can't believe I have to have someone pay for a cup of coffee for me." Gentle sobbing followed.
Her older friend responded, "Don't worry about the coffee, Nat. Have you had any luck getting money?"
"No. We've wiped out our savings, maxed out our credit cards, sold everything we could in yard sales, hit up every family member, friends, and agency that might help. Neither of us is vested in our retirement plan so we can't withdraw even the little pension we have built up. We were so foolish when he got his great job and it seemed like we had plenty of money, but we had to go and buy too big a house, too nice of cars, and too many toys. After three months of no paycheck for Justin, we were broke. It looks like we'll be going to bankruptcy, but we can't even pay the $750 up-front money to talk to a bankruptcy attorney." The sobbing became more pronounced.
"I'm sorry I can't help more. But with two in college . . ."
"I know. You and your husband have been a big help. Thank you for your support. Today I just needed someone to talk to besides Justin. He is even more depressed than I am."
"What are the chances he will be called back to work soon?"
"All he hears from the company is 'Eventually' but no timelines. He could get a low wage job temporarily, but that would be wiped out by the cost of child care. At least his staying home has saved us that expense."
"Nat, I'm sorry but I have to get back to work. Don't you have to get back to school?"
"No, I have my planning period after lunch. I'm going to stay here and try to get myself together. This may be the last Starbucks coffee I will ever have." The crying began again.
"Don't say that Natalie. Pray for a miracle. At least you can do that." The older lady reluctantly left. A distraught Natalie searched in her purse for a tissue to replace the napkins she had made soggy with her tears.
The gentleman from the next table leaned over and handed her a handkerchief. He was handsome, well-dressed and about 15 years older than her. Natalie was surprised and didn't know what to do.
He noted her reluctance. "Please take it. You need it more than I do."
Despite her hesitation, she took it and immediately tried to dry her tears.
"May I join you?" he asked.
The look of suspicion returned to her face. "I'm sorry. I'm married. I need to be leaving soon."
"You have every right to not trust a man you don't know. I assume a lot of men make passes. You are an attractive woman, you know."
She made a move to get up and leave. He put his hand gently on hers and said, "Please stay a moment. I may be able to help you."
"Help me? I don't understand. I don't even know you."
"Forgive my bad manners, but I could not help but overhear your conversation with your friend. I may be able to help you with your money problems."
"I don't see how that is any of your business. I need to go."
He could tell her defenses were on full alert. "Please give me two minutes. If you are not interested in what I have to say after that, then I will leave you alone."
Part of Natalie wanted to hear what seemed to be a new line from a guy hitting on her and part wanted to hope he really might be able to help. "Okay, two minutes."
"My name is James Ellison Townsend. My sister and I are philanthropists. We inherited some considerable wealth and an obligation to help others. We especially enjoy helping young couples with financial problems get back on their feet." He waited for her reaction.
The grim look on her face made him suspect she was unsure if he was just a dirty old man who was hoping to scam a young woman out of her clothes. He continued, "Does your phone have internet?" She nodded affirmatively. "Google my name, James Ellison Townsend." She complied.
"James E. Townsend," she read, "and his sister Ellen inherited over $3 billion dollars from their father, coal and energy baron, James "Big Jim" Townsend. Their JET Foundation spends most of its funds each year in projects in West Virginia and Eastern Kentucky where the bulk of the family's fortune originated. They seem to have a special interest in giving money to families who have fallen on hard times and help them until they can make it on their own. No applications are accepted by the Foundation and it is unsure how the heirs choose the people they help." The picture of James Townsend matched the face of the man sitting across from her. Natalie now had a look of astonishment on her face.
Mr. Townsend pulled out a checkbook. "I am writing a check for $5000, postdated for this Friday. This will be a gift, not a loan. Before I give you the check, I need to tell you the conditions for accepting it."
"I knew there would be a catch," she thought. Again, the idea of a dirty old man crossed her mind.