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" Oh, John, I hope it is just you and me," she teased."No sweetness, the invitation is for you and Frank and a slew of other people," I told her.I then asked her to book a flight for Michelle Mattingly from Phoenix on that Friday to Albuquerque, and returning to Phoenix on the following Wednesday. "Book both flights to arrive mid-day. Book her a rental car with National and use my account to pay for all of it. Next, check on the status of my flight today and if Michael Rooker is not booked into first class, try to get him bumped up with Tamara and I." She said she would call me back with confirmations.Michael heard what I was saying. He said, "John, you're just too thoughtful. Thanks!"Tamara came walking back up. She had a big smile on her face."What are you grinning about?" I asked her."You," she said. "Michelle is on cloud nine. She has never had someone other than her family do nice things for her without there being something expected in return."I suggested we all go get packed. Well, let's see if I can explain this thing."Many, many years ago, when your mother and I bought our first house we not only had to have a really good credit standing, we also had to pass a kind of test. At that time, the 'rule of thumb' was a person should not buy a house that cost more than two and a half times their annual salary. Loaning only to people who had a good credit history or having someone who had a really good credit history co-sign the loan plus being sure the people who were buying the house fell within that two and a half times annual salary test, basically insured the banks would not lose money through people defaulting on their loans. Being almost guaranteed they wouldn't lose money gave them the confidence they needed to continue to loan money." Okay Dad, I can see that but how does that relate to what we have going on today?" Son, the answer to that question goes back to the credit card thing we just talked about. Somewhere in the latter part of the last.
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