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.
"One, you and your husband both have to agree to accept the money. Two, you both have to pass a background check. Three, you must use the money for debt payment. Finally, you cannot tell anyone where you got the money." A puzzled look came over her face. "Let me explain. Most of our philanthropic work is impersonal. The money is given to agencies who help various people in need.
We are interested in more personal philanthropy. By helping one family at a time, we get to see and, more importantly, feel the results of our efforts. As far as doing a background investigation, my lawyers have a Private Investigator firm on retainer. They are the ones who assure me that the people we choose to help are legitimate in their need for the funds. You would be surprised the lengths people have gone to scam us. If they applied their smarts to a legitimate business, they would probably be successful. But, I digress.
Here is my card and the check. Talk to your husband and call me before Friday. If you accept, I would like to talk to you and your husband over dinner. If you pass the background check and accept, I will not stop payment. Over dinner, we will discuss future support. I gather that $5000 will only keep the wolves from the door and you will need help beyond that."
Natalie responded, "I'm speechless. Surely there's more to this than it appears. Are you sure you don't have other requirements you're not telling me about?"
"Well, it's not really a requirement, but we would like you two to consider this: Once you get back to where you two can support your family and begin to build your own wealth, we would like you to agree that if you have the chance to help someone in the same or similar circumstance as you are now, you will help them. Of course, we couldn't require you actually do something like that, but by then we hope we can trust you."
"I don't know what to say. My friend said to pray for a miracle, but I've never expected an answer so quickly. Thank you. I will talk to my husband and we'll call you."
"You're welcome. I'm sure your husband will have lots of questions. Just have him call me. If you decide not to do it, don't call but realize the check will not be able to be cashed any day but Friday. Good day."
Natalie sat in shock. "Did this really happen? Could it really be that easy?" After looking at her phone for the time, she hurried off so as not to be late for her two last period classes.
That night she talked excitedly to her husband after dinner and the boys were put to bed. Justin did have lots of questions and they agreed he would call Mr. Townsend before deciding. The call lasted a good hour before Justin was satisfied. They even talked football, especially the hometown Philadelphia Eagles. Justin used to go to home games with one of the other men who was laid off. Next came the arrangement for dinner. Justin mentioned that he doubted he and his wife would feel comfortable going to a restaurant Mr. Townsend usually went to. After a short laugh, Mr. Townsend asked Justin to name their favorite restaurant when they went celebrate anniversaries and birthdays. The Olive Garden was chosen, and the time set.
At the dinner, Mr. Townsend went over the conditions for receiving more funds. Several times, James noticed that Natalie talked a lot with her hands and would touch his arm to emphasize a point. Looking at Justin, James seemed positive that it did not bother him and that was just Natalie's nature. The conversation was going well until their young waiter spilled wine on James' white shirt. Profuse apologies came from the waiter and the manager came quickly to the scene. In the process of adding apologies, the manager stopped and stared at James. "You're James Townsend! My God, I am so sorry." Turning to the waiter who was trying to wipe up the mess, "You're fired. Get your things and leave immediately."
Mr. Townsend smiled and rose from his seat. "Stay here young man. I need to talk to the manager a second." He led the manager to a fairly private but visible area. Natalie noticed that James took a hundred dollar bill from his pocket and gave it to the manager. They both came back to the table.
The manager spoke, "Darren, you are very lucky that Mr. Townsend is so understanding. You will be forgiven this mistake but don't ever let it happen again."
James said with a smile, "I'm sure he won't. Edgar, we were young once and somehow people forgave us our mistakes along the way."
"Nonetheless, the meal is on the house."