This is episode eight of the novel, From Here To 1137.
A Big Decision
Tom completed harvesting all the corn. He stored it in the farm’s granary. He scooped two buckets full of corn and spread it in the trough for the cattle. He then worked a whole day preparing the combine to harvest soybeans.
Next, he planted winter wheat. That took a couple of days.
The next day, he drove into Gene Francis’s office. He explained over the phone that he had a few important matters to discuss.
Gene invited Tom into his office and offered a chair in front of his desk. Gene leaned forward and crossed his arms on his desk.
Tom could not ignore the serious look on Gene’s face. Tom sensed bad news was about to be delivered.
”How are you doing, Tom?” Gene asked with a painful smile.
“I’m doing good,” Tom said, trying to match the seriousness he saw on Gene’s face.
“Have you heard from Edgar lately?” Gene asked.
Tom leaned forward. “This isn’t about him, is it?” And added wryly, “Is he okay?”
Gene gave a relaxed grin. “I’m curious. That’s all. But actually, I have some things to share with you. After that, I want you to think. Take your time, get some advice, and go talk to people; get their advice.”
“Sure,” Tom swallowed. His heart beat heavily. He could not imagine what Gene had in mind. He was only certain of one thing: it could not be worse than the death of his mother.
Gene handed a folder to Tom. “In this folder is the complete breakdown of the farm’s finances.”
“And it doesn’t look good?” Tom said.
“No,” Gene said, “it doesn’t. I’ve talked to some farmers, bankers, and accountants. I wanted sound advice. I’ll let you do the same.”
“Gene,” Tom smiled, “I know this is hard for you, so just save yourself some grief and get me to the bottom line; is it best we sell the farm?”
“That’s an option,” Gene said. “There is a huge debt. Your mom’s treatments weren’t covered by her health insurance, and the cost is, in my opinion, astronomical. Some of the money to finance Edgar’s education was a collateralized loan. That’s the money he owes.”
“And the only collateral is the farm, right?” Tom said.
“Exactly,” Gene said. “Katy did a masterful job of juggling money to pay incoming bills. It looks as if she and your dad had some stocks that could have helped greatly, but the company went bankrupt a little more than a year ago.”
“Is there a way out besides selling?” Tom asked.
“As trustee, I can consolidate all debts and get a loan,” Gene said. “But I might have to put up some of my own collateral. Which I am willing to do with nothing more than a handshake and a look in the eye.”
“Nah, Gene, I can’t do that. I appreciate it, and I know it’s not an empty offer. In fact, I know you well enough that you’d like to do it, but I can’t let ya.”
“It’s not charity,” Gene said. “It’s friendship.”
“I know that,” Tom said, “but I just can’t.”
“The farm, as it is, can sustain itself,” Gene said, “and meet all financial obligations. But it’s like this, a guy has to pay a thousand dollars a month for rent and utilities, and he only makes a thousand a month.”
Tom interrupted, “In other words, I’d have to eat with the cattle.”
“No,” Gene said, “there’s not enough to feed you from that either.”
“To keep the farm, I would have to take on a job,” Tom said.
“Yes,” Gene said.
“Well,” Tom said, “I went to school and worked the farm. I guess I could find a job and work the farm.”
“What about your education, college?” Gene asked.
Tom grinned and let out a quiet laugh. “That wasn’t my dream. That was Mom’s and Dad’s. I’m a farmer. That’s as good as a lawyer.”
“Better,” Gene smiled broadly and leaned back in his chair. “You don’t know how many days I leave this office and wished I were climbing down off a tractor.”
“So what did your advisors think?” Tom asked.
“I presented the idea of you working,” Gene said. “However, you're a bad crop away from bankruptcy anyway you look at it. It’s not good. I want you so badly to keep the farm. As a friend, a good friend, as a friend of your mom and dad, and as a trustee, we should consider selling the farm.”
“Should we consider keeping it?” Tom said.
“As a friend, a good friend, as a friend of your mom and dad, as a trustee, no, that is not a good consideration,” Gene said.
Tom smiled. “But it still is a consideration, though not good.”
Gene laughed heartily. “You are just like your dad and mom.”
“You couldn’t have said more encouraging words or tossed a better compliment my way,” Tom said. He stood. “I got some work to do. How long do I have until a decision has to be made?”
“Have a nice winter,” Gene stood. He walked around his desk and shook Tom’s hand.
“March 1st,” Tom said. “I’ll let you know then. And do I have to get a job right away?”
“Nah,” Gene said and stood, “there’s enough for you to have a good winter. Just run the farm like you normally would.”
On the way home from Gene’s office, Tom wore a wry smile on his face. “Welcome to life he said. Sometimes life kicks you in the teeth, punches you in the gut, or kicks ya square in the butt. Life, what else do you have to offer?”
