“Here’s a prescription for a Payday Loan,” said the doctor, dashing off his signature with a flourish. He ripped the page out of the pad and handed it to me. “Go to PersonalMoneyStore.com online and get this filled. If it doesn’t work, come back in a couple of weeks and I’ll prescribe something stronger. I’m not letting you go under the knife!” He reached over, crushed my hand in his paw and lifted the phone to tell the receptionist to open the door as I was leaving. “You can send in the next patient.”

These are busy days for the ERT, the Economic Recovery Team. A couple of hundred years ago they would have been sending us to the Debtors’ Prison to sweat out our failure to pay; today they are prescribing loans and searching out other ways of keeping us out of jail.

I ran all the way, collected my loan money and am now desperately trying to stay afloat.

The neighbor’s been infected!

“Yes,” said my neighbor’s wife, “Fred was given notice yesterday. The whole staff of 43 has been laid off. The company’s going out of business.”

I know that business. An old established family furniture and household supplies outfit in their own multi-story building downtown. Their logo is, ‘We supplied Abe Lincoln when he was in the White House and we’ll be here forever.’ Another dream goes floating down the Hudson River and out to sea.

A business like this going belly up sounds like a major new client for the Personal Money Store. Can they put together a rescue team to save the entire workforce from disappearing from the market place? 43 loyal members of the staff will drift off into the unemployment and alternative employment market, never to be seen again. When the President, who just moved into the White House, calls them to supply new linen, there’ll be no one to answer the phone.

Payday Loans to the rescue

Can the Personal Money Store and a Payday Loan come up with a plan to rescue these 43 people as they rescued me a few weeks back? Is there such a thing as a communal Payday Loan program to take up the challenge?

Will short-term loans, which are used to tide people over difficult periods, give them enough time to reorganize themselves and get back on their feet by different means? Very often, it is that sudden and dramatic change that can bring on a bout of creative thinking and change in strategy.

Let’s take an example

Take the auto industry. Are our auto manufacturers taking a good look at Tata in India who are selling cars at under $5,000? If the Indians can do it, why can’t we? Okay, we may not get it all the way down to $5,000 but we could be improving. Are we learning how to save costs in manufacturing? Are we applying them to our own cars?

What’s happening in other industries? Are we looking around to see how the rest of the world is doing?

The illness, the medicine, the cure

Hopefully it will be the medicine prescribed by the doctor and supplied by The Personal Money Store in the form of a Payday Loan that will allow a sinking businessman to lift his head out of the water one last time, see the light and make the change.

That may be the least of your worries

Regardless about how each individual consumer feels about the cost relative to the service offered on airlines, things could always be worse – as in, your plane may end up crashing.  In the news today is a passenger airplane, United Airways flight 1549 plunged into the Hudson River just after takeoff from LaGuardia airport in New York City.  The flight was en-route to Charlotte, North Carolina when it descended into the river, like how your budget can crash if you don’t supplement it with payday loans.

Passengers rescued at the scene reported hearing a bang, and smelling and seeing smoke just minutes after takeoff.  The pilot then announced to the passengers and crew that they should brace for landing, meaning a crash of some sort.  The plane fell into the Hudson, but instead of plunging glided in and skimmed the surface until coming to a stop.  The pilot was attempting to return to the airport when the plane began its descent, and was steered in at a slight angle to minimize impact, showcasing the pilot’s skill at handling an emergency that could have easily ended in disaster, for which he should be commended.

Miracle in New York

The miracle of the situation was several fold; firstly, the pilot adeptly guided the plane into the water to create a soft landing.  Then, the plane managed to stay afloat, giving passengers and flight crew the time to get onto life rafts and get clear of the wreckage.  The best news of all is that there seem to be no fatalities, and every passenger made it safely off the plane.  The reason for the plane’s descent and loss of engine use appears to be due to bird strike, which the pilot reported.

Bird strikes are when a bird or flock of them is pulled into an airplane’s engines, and it has resulted in hundreds of fatalities since aviation on a larger scale became prevalent in the last fifty years or so.  Apparently, UA 1549 flew into a flock of Canada geese, amongst the most habitual offending bird species, which shut down both engines.  Pilots and workers in the Japanese aviation industry call bird strikes yakitori, after the meat dish typically made from poultry.  Now it is a miracle that none were hurt, and serious commendation should be awarded the flight crew for successfully steering the plane into a slow descent so that none were hurt.  Perhaps they should be given a bonus, which payday loans can be when you need a stop gap from crashing your finances.