Will Payday Loans be there when I’m at the bottom of the barrel?
Andrew Carnegie
Everyday I say, “smile, things can’t get any worse…” And then I smile, and sure enough, things get worse. But yesterday I found out that there is other types of worse that are worse than mine. This is the story of a Payday Loan Utopia – everyone in town needs one.
We are talking about a small steel town in Pennsylvania called Braddock, once a famous wellspring of industrial might. This is the place where steel baron Andrew Carnegie built his first steel mill. Remember the Carnegie empire that helped build modern America? Well it started in Braddock. This is where Carnegie built a library, the first of more than 1,500 Carnegie libraries in the United States. Braddock is now a jumble of boarded-up storefronts, disintegrating houses and vacant lots.
This is the bottom of the barrel
The town of Braddock is dead but it won’t lie down. The new mayor is trying to create an asset out of his town’s lack of assets and has even set up a website to publicize the town.

The Road
This year, almost in answer to the mayor’s dream, the town will be featured in the film version of Cormac McCarthy’s novel “The Road.” Set in a post-Armageddon America where food is so scarce that many survivors turned to cannibalism, “The Road” was shot partially in Braddock.
Braddock is definitely the bottom of the barrel and this is where the few remaining residents of the town, who still work in the old steel mill, will be applying for Payday Loans.
Can this happen anywhere?
Isn’t it frightening to think that the town where you live, where your children go to school, where you shop in the mall and eat in the restaurants, could one day fall into disrepair and eventually turn into a ghost town? It happens and one can see these towns all over the world, many of them turned into refugee camps.
How bad can it get?
I wonder if anyone really knows. Governments of the world, as is happening now, will pump money into their economies and will keep pumping until there is nothing left to pump. And then? The citizens will get nervous and run to pull their money out of the banks and hide it under the bed at home. The banks will collapse – a bank cannot exist without money – and businesses that depend on financing from the banks will fold. Everything will come down like the house built of cards.
How can we keep off the bottom?
Work. Work means earnings, earnings means money and money is what one keeps in the bank and spends to stay alive in the supermarkets and stores. Like it says in the song, “Money makes the world go round…”
Don’t give up
If we give up, we’re sunk, we’ll all end up in a town like Braddock. We have to keep pushing, keep working and hanging on in our town. When the going gets tough, take a Payday Loan and give yourself extra fighting time. The minute you stop, the weeds will start growing down Main Street and your town will disappear, eaten by despair.





Ahhh, The Road – what a good read. A bit dark, but it’s still really good. A lot of the old steel towns are in bad shape, especially in Ohio. Youngstown went from being the steel mecca it was and it has run pretty far down hill. I hope that the green energy and infrastructure jobs Obama has been talking about can go to some of those places – they need it desperately.
America still offers mostly Industrial-Age education in an Information Age… I say it is our school systems that fail us most here
Nobody who works at the Edgar Thompson steel mill actually lives in Braddock anymore. They all got laid off or moved to the suburbs.